Consumer complaint received 2026-06-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: OK

Complaint narrative:
I previously had a XXXXrelated loan/account that was included in my XXXX XXXX bankruptcy and discharged. XXXX has acknowledged that it is aware of the bankruptcy/discharge, but the account still appears to be treated as an active existing debt in XXXX system rather than as a discharged bankruptcy account. When I view the account through the online portal, it is still listed as a debt. When I called about it, XXXX continued directing me to the company the account was sold or transferred to. That collection agency/debt buyer is not the issue I am complaining about. The issue is XXXX own internal system and partner/affiliate records still showing this discharged bankruptcy account as an active loan or current debt. This issue is also affecting new credit applications. On XX/XX/year>, I received an adverse action notice from XXXX stating that an application submitted through a marketing partner to XXXX XXXX XXXX XXXX XXXX was denied because You have an existing loan with us or our partners. On XX/XX/year>, I received another adverse action notice from XXXX stating that an application submitted through a marketing partner to XXXX XXXX XXXX was denied for the same reason : You have an existing loan with us or our partners. As it stands, XXXX own emails show that I am being treated as if I have an active loan with XXXX or its partners. I believe this is inaccurate and violates the bankruptcy discharge because the account was included in my XXXX XXXX XXXXankruptcy and dischargeXXXX XXXX should not be treating a discharged bankruptcy debt as an active existing loan, current debt, or reason to deny future applications. XXXX has a large hold on the online installment lending market through its own platform, marketing partners, servicing relationships, and partner banks. Because of this, XXXX failure to correct this discharged account is effectively blacklisting me from lenders connected to XXXX or its partner network. This is causing ongoing harm because each application is being denied based on the same inaccurate existing loan status. Both notices state that the decision was based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency. I believe the existing loan being used to deny these applications is the same debt that was included in and dischargeXXXX through my XXXX XXXX XXXXankruptcy. I am not asking the company to erase all historical records. I am asking the company to correct its internal coding and any partner/affiliate records so the discharged bankruptcy debt is not treated as an active existing loan, current debt, collectible balance, or reason to deny new credit applications. I am also requesting written confirmation identifying what existing loan was used in the denial decisions, whether that loan is the discharged bankruptcy account, and confirmation that the account has been updated to reflect discharged in bankruptcy with no active collection balance, no referral for collection, and no continued direction to contact a collection agency/debt buyer about this issue. If this is not corrected, I intend to pursue all available legal remedies for violation of the bankruptcy discharge and for any inaccurate information being used to deny my credit applications.

Company response to consumer: Closed with explanation