Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I am filing this complaint against XXXX  regarding serious issues with their handling of an account that appears on my credit report. I initially contacted XXXX  to dispute the account due to confirmed fraudulent activity on both my credit and banking accounts. In all of my written communications, I clearly requested that all responses be sent by postal mail only, not via email, and asked them to provide a copy of the original contract. 

Instead of honoring my request, XXXX  responded via email and instructed me to file a police report with my local authorities. Despite my specific and repeated request, they failed to respond by mail. After a second letter, they again replied by email and sent the contract through that channel. The contract they provided confirms they have been charging a XXXX XXXX interest rate, which is extremely predatory. 

Additionally, they have sent harassing emails to me, despite my explicit instruction not to be contacted by email. They have also been applying late fees on top of the original charges and inaccurately reporting the account as XXXX  days late for the past XXXX years, which is not only misleading but also a misrepresentation of the accounts true status. A XXXX delinquency is not a rolling status and should not be reported continuously for multiple years. 

To make matters worse, I was informed by Experian that NetCredit claimed they had no way of contacting me. This is completely false, as they have continued to send me emailsagain, against my stated preferencewhich proves they do, in fact, have my contact information. This contradiction not only damages my credit but also shows deliberate disregard for fair communication practices. 

These ongoing actions are in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), including : Failing to communicate through the channel I requested ( postal mail ) Reporting false and misleading information to credit bureaus Harassment through unwanted communication Excessive and predatory interest rates and fees Providing false information to Experian regarding their ability to contact me I am requesting that the following actions be taken immediately : A full investigation into NetCredits reporting practices.

Immediate correction of all inaccurate information on my credit report.

Cessation of all communication via email and compliance with my request to be contacted only by mail. 

A written explanation and response from NetCredit regarding these violations. 

That any further contact, charges, or reporting be compliant with all applicable consumer protection laws. 

If these issues are not addressed and resolved promptly, I will proceed with filing additional formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General of my state. 

Sincerely, [ Your Full Name ] [ Your Mailing Address ] [ City, State, ZIP Code ] [ Phone Number ] [ Optional : Email Address only if you choose to include it ] Let me know if you'd like a version formatted for print or to send via certified mail, or if you need a version to submit directly through the CFPB complaint portal. 







You said : Also had I stated I had some fraud issues with my old bank account and credit report. I asked for verification. 
XXXX said : Thanks for that addition. Here 's your fully updated and refined formal complaint statement, now including your request for verification and mention of fraud concerns with your old bank account and credit report : Formal Complaint Statement Regarding NetCredit I am submitting this complaint against NetCredit regarding serious concerns with an account currently appearing on my credit report. 

I initially contacted NetCredit to dispute the validity of the account after experiencing fraudulent activity involving both my former bank account and credit report. In my communication, I clearly requested verification of the debt, including a copy of the original contract, and stated that all future communications must be made by mail only, not via email. 

Despite this, NetCredit responded via email, instructing me to file a police report. They failed to provide the requested verification the first time. In a second letter, I again asked for verification and the original contract and restated my request for postal mail correspondence only. In response, they once again emailed me, this time sending the contract via emailignoring my clearly stated communication preference. 

The contract revealed they have been charging a XXXX XXXX interest rate, which is excessive and predatory. Additionally, NetCredit has been applying late fees, sending harassing emails, and falsely reporting the account as 180 days late for over XXXX years. This type of prolonged delinquency reporting is misleading and inaccurate, as a XXXX late status is a one-time event and not a rolling or recurring status. 

Further, I was informed by XXXX XXXX NetCredit reported they had no way of contacting me. This statement is completely false, as they have consistently sent emailsagain, in direct violation of my request for mail-only communicationdemonstrating they do, in fact, have my contact information. 

These actions constitute serious violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : Failing to verify the debt upon request Ignoring a clear request for written communication by mail Reporting false and misleading information to credit bureaus Harassing communication via email Charging excessive interest and improper fees Providing false claims to Experian regarding contact ability I am formally requesting that NetCredit : Provide full and proper verification of the debt, including all documentation. 

Cease all email communication and respond only by postal mail, as previously requested. 

Immediately correct all inaccurate credit reporting, including the false XXXX delinquency status. 

Cease applying any further late fees or charges related to this disputed account. 

Provide a written response acknowledging these violations and outlining actions taken to resolve them. 

If this matter is not resolved promptly and accurately, I will proceed with filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office in my state.

Company response to consumer: Closed with explanation