Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
PUBLIC THIS IS A PUBLIC COMMUNICATION TO ALL Notice to agent is notice to principal Notice to principal is notice to agent Applications to all successors and assigns All are without excuse Common Law Private American Civilian National Without prejudice XXXX XXXX XXXX ALL inalienable and fundamental rights reserved non waived. XXXX XXXX XXXX XXXX XXXX, Authorized Representative/Attorney-In-Fact for : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX ACCT. NO. UNKNOWN Alleged Account Name : XXXX XXXX and XXXX XXXX RE : INACCURATE CREDIT REPORTING : FALSIFYING DEROGATORY TRADE : CEASE AND DESIST XX/XX/XXXX TO WHOM IT MAY CONCERN : This is a declared notice. It informs you. It means what it says. This letter is written in response to inaccurate credit reporting upon XXXXXXXX XXXX credit by XXXX XXXX. This complaint memorializes XXXXXXXX XXXX correspondence ( attached hereto ) with NXXXX XXXX. but not limited to. XXXX et.all. has emailed XXXX XXXX XXXX TIMES dating back to XX/XX/XXXX. These emails have been addressed to both XXXX XXXX at XXXX XXXX XXXX XXXX, SC XXXX AND XXXX XXXX at XXXX XXXX XXXX, XXXX, SC XXXX. These emails are unsolicited, unwarranted, and unlawful. XXXX XXXX, XXXX. al. has not now, nor ever, applied for a personal loan with XXXX XXXX XXXX These solicitations are negatively affecting XXXXXXXX XXXX credit report and are fraudulent in nature. Due to these continuous, harassing, and unsolicited emails by XXXX XXXX XXXX, but not limited to, XXXX XXXX is filing a complaint with the Consumer Protection Financial Bureau. 

No other details are given about this alleged account on XXXXXXXX XXXX  credit report. XXXX XXXX XXXX XXXX  DOES NOT HAVE A CONTRACT WITH XXXX XXXX XXXX but not limited to. This complaint memorializes that I, XXXX XXXX, am exercising my rights under FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. Fair Debt Collection Practices Act FAIR DEBT COLLECTION PRACTICES ACT. As amended by XXXX XXXX XXXX, title XXXX, XXXX XXXX. XXXX ( XXXX ) In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each person contacted regarding this alleged account, and alleged amount owed. A copy of any documents provided bearing my wet ink signature, showing that I have requested any form of financial product, or any other legally binding contractual obligations. Verification of valid basis for the email correspondences that are being sent. Details about the age of the alleged account. The date the original creditor claims this alleged account became active. Whether this alleged account is within the XXXX ( statute of limitations ), and how that was determined. Details about XXXX XXXXXXXX. authority to contact XXXX XXXX, whether XXXX XXXX XXXX is licensed in South Carolina and if so, provide the date of the license, name on the license, and license number, and the name, address, and telephone number of the state agency issuing the license. If XXXX XXXXXXXX. is contacting XXXX XXXX from outside South Carolina, provide the licensing information from XXXX XXXXXXXX well so that I, XXXX XXXX, may examine it. I give notice that I know nothing that would or could support alleged unverified and invalidated allegations/claims that are substantively baseless due to the lack of legally lawful evidence that has never been provided to me. I give notice I do not know the law. I give notice that the foregoing is true and correct to the best of my knowledge. NOTICE WAS, AND IS STILL GIVEN, ANY AUTOMATED RESPONSE OR E-OSCAR VERIFICATION IS UNACCEPTABLE Due to no responses from XXXX XXXXXXXX. XXXX XXXX gives notice that : XXXX XXXX engaged in, and continue to engage in : harassment against XXXX XXXX illegally and unlawfully placing derogatory tradelines on XXXX XXXX credit report and harassing XXXX XXXX via email communications. These manipulation tactics are causing XXXX XXXX ongoing harm, and ongoing intentional infliction of stress and emotional damages, that is also causing XXXX XXXX relentless ongoing damages and harm. The item ( XXXX ) in question are inaccurate representing a very serious reporting error. I expect to receive a response within XXXX days of receipt of this complaint in compliance with the FCRA. If no response is received, I expect this item will be removed from my credit files immediately. I give notice and all correspondence is recorded for the record on the record to be made part of the record. I give notice I do not know the law. I declare to the best of my knowledge the foregoing is true and correct. FURTHER AFFIANT SAITH NOT Common Law Private American Civilian National Without prejudice XXXX XXXX XXXX ALL inalienable and fundamental rights reserved non-waived. XXXX XXXX XXXX XXXX XXXX, Authorized Representative/Attorney-In-Fact for : XXXX XXXX Subscribed to and sworn before XXXX ( XXXX XXXX ) this XXXX day of XX/XX/XXXX Acknowledgment by Publication ENCLOSURES

Company response to consumer: Closed with explanation