Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX [ XXXX ] To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Fraudulent Collection Account Reported by NetCredit XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB Representative, I am writing to file a formal complaint regarding a fraudulent and inaccurate collection account being reported on my credit file by NetCredit XXXX XXXXXXXX XXXX XXXX XXXX XXXX The account is listed under the following information : Account Number : XXXX Status : Collection Account Balance : {$1900.00} I have no association with NetCredit or XXXXXXXX XXXX nor have I ever opened or authorized any financial product or agreement with these companies. This account is clearly fraudulent or reported in error, and it is negatively affecting my credit standing and financial reputation. 



Previous Action I have not received any communication or validation of this debt from the companies involved. I have no knowledge of the debt, and I believe it may have been reported as a result of identity theft, a mixed file, or a clerical error. Regardless, this entry violates multiple consumer protection laws and must be addressed immediately. 



Violations of Federal Law The following federal statutes have been violated by the reporting and failure to validate this account : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy of credit reporting 15 U.S.C. 1681i ( a ) Failure to properly investigate or remove disputed information 15 U.S.C. 1681s2 ( a ) Furnishing data known or suspected to be inaccurate 15 U.S.C. 1681 602 ( a ) Consumers are entitled to fair and accurate credit reporting practices 15 U.S.C. 1692e ( 8 ) Under the FDCPA, debt collectors may not report false credit information, including debts not validated 15 U.S.C. 1681c and 1681a Regulates the limits of reportable credit data and definitions of reportable accounts Right to Compensation I reserve my rights under : 15 U.S.C. 1681n In cases of willful noncompliance, consumers may recover statutory damages, actual damages, punitive damages, and attorneys fees 15 U.S.C. 1681o In cases of negligent noncompliance, consumers may recover actual damages and legal costs Given the harm this has caused to my credit and peace of mind, I am prepared to seek monetary compensation under these provisions if the matter is not resolved promptly and in full compliance with federal law.

Requested Resolution I am requesting that the CFPB : 1. Investigate NetCredit and XXXX XXXX furnishing of this account XXXX. Require the immediate deletion of this account from all credit reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX. Ensure that no further collection efforts or reporting are made on this fraudulent or misattributed account XXXX. Provide written confirmation of the outcome of this investigation XXXX. Enforce all applicable penalties for noncompliance Thank you for your immediate attention to this matter. I trust that the CFPB will act in accordance with federal consumer protection standards to ensure that this inaccurate and damaging entry is fully and permanently removed. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation