Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
My name is XXXX XXXX XXXX. There are two fraudulent personal loans appearing on my credit report as a result of identity theft committed by my father who has the same name as me with a different middle initial. The first loan is from NetCredit for {$2200.00} taken out on XX/XX/XXXX. The second is from XXXX for {$500.00} taken out in early XXXX. I filed the initial identity theft police report to XXXX, XX/XX/XXXXt on XX/XX/XXXX. I filed an amended police report to XXXX XXXX on XX/XX/XXXX to reflect the correct amounts stolen as well as the bank account and routing number information associated with the loans. 

XXXX and XXXX, as well as one of the original creditors XX/XX/XXXX have refused to remove the accounts from my credit report despite me sending each of them a valid identity theft police report as well as supporting evidence to substantiate my claim of identity theft. My evidence includes text messages where my father directly admits the accounts are solely his. In these texts he tells several lies that he's not sure why the accounts are appearing in my credit report because the companies confirmed his SSN was used for the accounts. This was proven to be a lie as the companies have confirmed multiple times that my SSN was used to open the accounts. 

The credit bureaus andXX/XX/XXXX are refusing to remove the accounts from my credit report because the loans were deposited into my bank account. However I have sent them bank statements showing the immediate transfer of these funds out of my bank account once received. My father has always had access to my bank account and routing numbers as well as personal information, as he does my taxes. I have explained this to the credit bureaus and XX/XX/XXXX and provided them with bank statements showing the transfer of funds, yet they are still refusing to remove this account from my report. They do not seem to grasp that fraudulent loans can often be deposited into the victim 's own account as a way for the fraudster to cover their tracks. This act of deception is especially more plausible in my case since my father had access to all of my information ( as most fathers do ) and lived in the same home with me during the time of these thefts. 

The identity theft case is still under investigation by XXXX XXXX and evidence is being reviewed by Lt. XXXX XXXX and Detective XXXX XXXX. Unfortunately this case is very low priority for XXXX XXXX as they deal with a lot of violent crime, so they are taking very long to close the case. Moreover, they lack experience handling fraud cases and have had trouble understanding the evidence I submitted to them. Therefore, any communication between the credit companies and the police may have been fruitless. 

The XX/XX/XXXXaccount in particular is causing damage to my credit score due to late payments and fees accrued by my father. It is extremely important that these accounts are removed from my credit report so that my credit can be repaired.

Company response to consumer: Closed with explanation