Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Hanwha QCells USA Corp
State: TX

Complaint narrative:
I am XXXX XXXX, a victim of fraud. The root issue of this matter is identity theft, fraud, and EnFins uninformed and unauthorized use of my credit. I am asking the CFPB to further investigate EnFin regarding my complaint. I believe that fraudulent loans are a systemic problem in the solar industry. 

On XX/XX/year>, XXXX disbursed {$100000.00} on my behalf for solar panels without my knowledge. EnFin responded to my initial complaint # XXXX submitted on XX/XX/year>. While I appreciate EnFins willingness to cancel the fraudulent loan and remove all negative credit reporting they have not done so. I am appalled at the lack of customer engagement. EnFin promised to communicate directly with me to inform me of the loan cancellation and the credit interactions. However, they have not done that either. Also, note that I have filed an identity theft report with the FTC and XXXX XXXX. 

On XX/XX/year>, I received a Loan Cancellation Confirmation Email from EnFin : Hello XXXX XXXX, Thank you for contacting EnFin. Your loan application has been canceled. If you have any questions, please contact XXXX for assistance. Please note that the loan application has been approved. Therefore, canceling a loan application is quite different from canceling an active loan. I have checked all three credit agencies and my credit report shows this account as DEFERRED. This is not what EnFin promised. I spoke with someone at Enfin and was told that they do not provide detailed information when canceling loans. This is unacceptable. 

The term DEFERRED USUALLY INDICATES THAT THE LOAN PAYMENTS ARE TEMPORARILY POSPONED. IT DOES NOT MEAN THE LOAN IS CANCELED OR REMOVED FROM MY RECORDS. THIS INCONSISTENCY SUGGESTS THE CANCELLATION HAS NOT BEEN FULLY PROCESSED OR COMMUNICATED TO THE CREDIT AGENCIES. I want EnFin to contact all three credit agencies ( XXXX, XXXX, and XXXX ) to correct the DEFERRED STATUS and provide me with proof that the loan has been canceled. I insist that EnFin update the status to CLOSED OR CANCELED to avoid continued adverse credit impact. 

Request for Comprehensive Documentations : As it relates to the Loan Cancellation and Related Issues I am requesting comprehensive documentation and demand that EnFin immediately provide the following written proof of the loan cancellation including the following : 1. Loan Number, 2. The effective date of loan cancellation, 3. A clear statement indicating the loan has been terminated with no further obligations, 4. An authorized signature from an EnFin representative. And 5. The removal of UCC1 LEIN from my property. 

Inaccurate Credit Reporting : Credit reports from XXXX, XXXX, and XXXX continue to reflect the loan status as DEFERRED, which conflicts with your statement of cancellation. This misreporting has adversely affected my financial standing and continues to cause XXXX XXXX. 

Violations of U.S. Consumer Protection Laws : Under the Fair Credit Reporting Act ( FCRA ), creditors are required to furnish accurate information. Please confirm that you have contacted all three credit agencies to correct the reporting and update the loan status as CLOSED OR CANCELED and provide written proof of these corrections.

Your actions may constitute violations of federal statutes, including but not limited to : 1. Fair Credit Reporting Act ( FCRA ) : For misreporting loan status and 2. Fair Debt Collection Practices Act ( FDCPA ) : If collection efforts persist despite disputes.

Compensation for Emotional Harm : Your mishandling of this matter has caused me significant XXXX XXXX I was and still am overwhelmed by what happened to me. I am highly XXXX with worry and the constant fear of losing my home. EnFin promised to cancel the loan and remove negative credit reporting XXXX months ago and its still a problem for me. You stole my identity and used my credit without permission and for this, I deserve to be compensated for emotional damages of {$10000.00}. 

I, XXXX XXXX reserve the right to pursue legal remedies should this matter remain unresolved. I am expecting an immediate response that will conclude this matter. Also note, that I will be sending an Affidavit of Fact and Truth to EnFins headquarters and via certified mail and email to : XXXX and XXXX.

Company response to consumer: Closed with explanation