Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENOVA INTERNATIONAL, INC.
State: WA

Complaint narrative:
Dear CFPB, I am re-submitting and re-filing this complaint with all case details. This is against XXXX XXXX for issuing a fraudulent loan in my name, failing to verify my identity, withholding critical account records, and engaging in misleading and abusive practices. Below is a detailed account of what happened : **Summary of the Issue : ** On XX/XX/XXXX, XXXX XXXX issued a loan in my name without my knowledge or consent. My business partner applied for and obtained the loan using my name. I did not discover this loan until XX/XX/XXXX, when it appeared on my credit report and negatively impacted my credit score. XXXX XXXX failed to take adequate steps to verify my identity before approving the loan, such as requesting a photo ID, live photo verification, or cross-checking business ownership records. This lack of due diligence allowed the fraudulent loan to be issued. Despite verifying my identity through my Social Security Number and date of birth, XXXX XXXX refused to provide me with any account records when I initially inquired on XX/XX/XXXX ( via email ). On XX/XX/XXXX, I called and requested the account email be changed from the original email address on the account ( my business partners ) to my own, as the email on file was no longer active. After this change, they provided only the loan agreementno additional details or breakdown of the loans status were shared. Furthermore, the IP address linked to the loan application ( found in the signature line of the loan agreement ) does not match my own, which should have raised immediate red flags regarding the legitimacy of the application. This evidence strongly suggests that the loan was applied for fraudulently ( unauthorized ) by my business partner, not by me. **Misleading Communication and Lack of Transparency : ** On XX/XX/XXXX, I contacted XXXX XXXX to inquire about the loan. It was only at this point that I discovered XXXX XXXX had transferred the loan to XXXX XXXX XXXX, which they claimed was now handling the loan. However, the lawyer at XXXX XXXX XXXX refused to provide me with any support, stating, I dont think I can give you support because XXXX XXXX is who we are representing. This lack of transparency left me in an unclear and difficult situation with no access to critical loan details. To make matters worse, XXXX XXXX XXXX demanded payment from me for the fraudulent loan, despite my repeated explanations that I did not authorize or consent to the loan. This demand for payment, coupled with their refusal to provide documentation or support ( I contacted them on XXXX due to their email not working on their website. They do not have an official email address listed ), has placed undue pressure on me and further compounded the distress caused by this situation. I contacted them before asking for things to be written and sent to my email, but there was no response to XXXXXXXX XXXX XXXX XXXX XXXX **Failure to Notify or Contact Me Properly : ** I reached out to XXXX XXXX on XX/XX/XXXX, asking them to contact XXXX XXXX XXXX XXXX XXXX behalf ( since no calls were being answered ). I had made XXXX separate phone calls to XXXX XXXX XXXX prior to initial contact. They did not respond until XXXX told them to contact me. On XX/XX/XXXX, XXXX XXXX XXXX contacted me back. I was hit with the lawsuit, and XXXX XXXX did not inform me in advance. The lawyer also told me to pay off the loan and sue my business partner to get my money back. The failure to properly notify me about the lawsuit further demonstrates a lack of professionalism and transparency in handling this matter. **Failure to Provide Requested Documentation : ** XXXX XXXX also insisted that I file a police report to gain access to email communications and documentation related to the loan. This requirement was an unnecessary barrier, especially given the clear evidence of their failure to verify my identity before issuing the loan. Why werent they able to give me the email communication in their system? They claim I was the one on the account and should have handed over important information to help with who filled this out. Their failure to provide me with more information shows that they were willing to keep this information to their advantage. **Unprofessional and Discriminatory Behavior : ** During my communication with the lawyer at XXXX XXXX XXXX XXXX XX/XX/XXXX, the attorney made an inappropriate remark about my voice, stating that it sounded young. This comment was unprofessional, discriminatory, and unrelated to the legal matter at hand. Such behavior is unacceptable and further exacerbated the emotional toll of this situation. **Misreporting of Business Address on Personal Credit Report : ** Upon reviewing my credit report, I discovered that my business address and was reported on my personal credit file. This is highly inappropriate as personal credit reports should only reflect personal financial information, not business-related details. My business address has no legitimate connection to my personal credit history or liabilities, and it should not have been included in my credit report. Additionally, I noticed that my business partners phone number was reported on my credit report. This further raises concerns about the mishandling of my personal information and the improper use of my credit file and that I did not apply for the loan. The inclusion of these business details in my personal credit report has caused confusion and may have contributed to the negative impact on my credit score, which has been severely affected by the fraudulent ( unauthorized ) loan that was taken without my consent in question. **Legal Violations : ** I believe XXXX  XXXX has violated several federal regulations, including : - **Fair Credit Reporting Act ( FCRA ) : ** By failing to ensure the accuracy of the information reported to credit bureaus and issuing a loan in my name without proper verification. - **Consumer Financial Protection Act ( CFPA ) : ** By engaging in deceptive and abusive practices, including withholding loan details, misleading communication, and demanding payment for a fraudulent loan. - **Know Your Customer ( KYC ) Regulations : ** By neglecting to verify my identity before approving the loan, which is a clear violation of their obligations as a financial institution. **Conclusion : ** This situation has caused significant harm to my financial and emotional well-being. XXXX XXXX  failure to verify my identity, lack of transparency, and refusal to provide critical documentationcombined with XXXX XXXX LLCs demands for payment and unprofessional behaviordemonstrate severe misconduct. XXXX XXXX should have informed my business via mail that a lawsuit would be coming if we failed to make paymentsthis has left me with limited options for resolving this issue. **Additional Evidence of Fraud & Documentation Errors : ** I am providing further documentation that highlights critical errors and inconsistencies in XXXX XXXX records, which strongly suggest that someone else ( my business partner ) filled out this loan application without my knowledge : - **Failure to Properly Verify My Identity & Address Mix-Up/Phone Number : ** - The loan application portal contains a critical error where my personal address and business address were swapped, which likely caused my business address to appear on my personal credit report. This error reinforces that I was not the applicant. - **Withholding Critical Records & Refusal to Cooperate : ** - The IP address used to sign the loan agreement does not match my actual IP address. - XXXX XXXX transferred the loan to XXXX XXXX XXXX without informing me, and I only learned about it after being contacted regarding a lawsuit. **Summary of Submitted Attachments : ** - Screenshots of my XXXX XXXX account information. - XXXX Credit Report highlighting the incorrect address mix-up. - XXXX XXXX XXXX XXXX showing discrepancies. - XXXX XXXX XXXX XXXX XXXX verifying my business ownership. I urge the CFPB to investigate this matter thoroughly and take appropriate enforcement action to hold XXXX XXXX accountable for their actions. Thank you for your attention to this matter. Please let me know if additional information is needed to proceed with this complaint. 


This is the note to the XXXX : Subject : Dispute of Unauthorized Loan & Hard Inquiry Violation of FCRA & XXXX XXXX I am writing to formally dispute an unauthorized loan and hard inquiry that has been reported under my credit file. 

I have not authorized this loan nor have I signed any agreement with this lender. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, a lender must have a permissible purpose to access my credit report, including proper identity verification. XXXX XXXX failed to meet these standards and I did not consent to the loan. 
Additionally, under the Electronic Signatures in Global and National Commerce Act ( E-SIGN Act ), an e-signature must be properly verified. XXXX XXXX has failed to provide proof of adequate identity verification before obtaining my credit report, including proof of my personal consent, identity confirmation, and a secure e-signature process. Discrepancies in the IP address and location further demonstrate that I did not personally authorize the loan. Because XXXX XXXX did not have a permissible purpose to access my credit and failed to properly verify my identity, I request that you immediately remove the unauthorized loan and hard inquiry from my credit report, as required by law. If the credit bureau can not provide valid proof of proper identity verification, I request that the information be removed within the legally required timeframe as outlined by the FCRA. Please confirm in writing within the legally required time frame that the unauthorized loan and inquiry have been removed from my credit report. Upon removal, I request written confirmation of this correction, including an updated credit report showing the changes. Failure to comply with this request may result in further legal action, as I am entitled to accurate and updated information on my credit report under the FCRA and E-SIGN Act. Thank you for your prompt attention to this matter. Please confirm the removal of this loan and inquiry.

Company response to consumer: Closed with explanation