Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I am submitting a supplemental complaint against XXXX for its continued and willful violations of the Fair Credit Reporting Act ( FCRA ), following my original CFPB complaint ( ID : XXXX ) filed on XX/XX/XXXX. 

The subject tradeline involves XXXX ( XXXX XXXX XXXX XXXX XXXX  XXXX account ending in XXXX. This account continues to be reported by TransUnion as a " Paid Collection '' with a {$0.00} balance and marked as " Purchased by Another Lender '', despite my clear indication that I never paid this debt and no purchaser or new creditor is identified on the credit report.

Despite sending two certified Method of Verification ( MOV ) letters to XXXX one on XX/XX/XXXX and a follow-up on XX/XX/XXXX XXXX  failed to respond with any documentation, chain of custody, or clarification. USPS tracking confirms receipt of my follow-up letter on XX/XX/XXXX. 

FCRA Violations : 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 5 ) : Failure to delete or modify unverifiable information 15 U.S.C. 1681g ( a ) ( 1 ) : Failure to disclose the identity of the current creditor ( XXXX  ) 15 U.S.C. 1681g ( c ) : Failure to disclose method of verification 15 U.S.C. 1681c ( a ) : Improper re-aging ( date of last activity shown as XXXX ) 15 U.S.C. 1681n : Willful noncompliance Requested Resolution : Immediate deletion of the XXXX tradeline Written explanation for why verification was confirmed despite lack of documentation Full MOV disclosure, including documents used and current creditor identity Regulatory penalties imposed for systemic noncompliance This is now the second CFPB complaint filed on this same issue, and I have also issued a formal intent to sue letter to XXXX  on XX/XX/XXXX, giving them 10 days to respond before legal proceedings begin. 

CFPB Complaint Against XXXX XXXX XXXXXXXX XXXX ) Product : Credit reporting or other personal consumer reportsIssue : Furnisher furnished inaccurate information to a consumer reporting agency Complaint Details : This complaint is being filed against XXXX XXXX XXXXXXXX XXXX ) as the original furnisher of the XXXX ( XXXX XXXX XXXX XXXXXXXX ( account ending in XXXX ), which continues to be reported with multiple factual errors by XXXX XXXX XXXX, despite the account being resolved in full in XX/XX/XXXXXXXX XXXX XXXX  continued furnishing of conflicting and inaccurate credit information is in direct violation of its obligations under the FCRA. 

Specifically : The account status is reported as " Paid Collection '' ( XXXX XXXX  but no party has identified who paid it.

It is marked " Purchased by Another Lender XXXX XXXX XXXX XXXX  but no purchaser is disclosed. 

XXXX lists XXXX as the new owner, yet XXXX  omits this entirely.

I have never paid this debt, and the conflicting statuses are misleading, damaging, and unverifiable.

Multiple certified disputes were sent to the CRAs in XXXX and XX/XX/XXXX, which should have triggered XXXX XXXX duty under 15 U.S.C. 1681s-2 ( b ) to investigate and correct any inaccuracies. Yet no updates or accurate corrections have been made.

Violations Committed : 15 U.S.C. 1681s-2 ( b ) : Failure to correct inaccurate or incomplete information after dispute 15 U.S.C. 1681e ( b ) : Knowingly furnishing inaccurate and contradictory account data 15 U.S.C. 1681g ( a ) : Failure to disclose the current creditor

Company response to consumer: Closed with explanation