Consumer complaint received 2025-10-06 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: LA

Complaint narrative:
b'Final Warning  Fraudulent and Misleading Credit Reporting\n\nThis complaint applies to your companys continued false and misleading credit reporting in violation of the Fair Credit Reporting Act (15 U.S.C. 1681s-2), the Fair Debt Collection Practices Act, and Louisiana state consumer-credit laws.\n\nOver the past year, I have repeatedly disputed multiple violations across tradelines your company reports under my name, including but not limited to:\n\t\tRe-aging of delinquent or charged-off accounts to appear recent\n\t\tDuplicate reporting of sold or transferred debts\n\t\tInflated or fabricated charge-off balances\n\t\tPhantom or false payment entries\n\t\tFailure to correct or delete inaccurate or unverifiable information after notice\n\nThese acts constitute willful and fraudulent misrepresentation of my credit history. I have provided documentation, submitted disputes, and filed prior complaints, yet your company continues to report inaccurate and harmful information.\n\nAs of XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy has been officially filed in the United States Bankruptcy Court for the XXXX XXXX XXXX XXXX. The judge overseeing my case will be reviewing each creditors conduct and the accuracy of all credit reporting attached to my name.\n\nI am formally notifying you that I will be pointing out your companys fraudulent reporting and pattern of misconduct directly to the judge as part of my case evidence. If these false entries are not corrected or permanently deleted from all credit bureaus within five (5) business days, I will instruct my attorney to initiate civil action seeking damages, penalties, and sanctions for willful violations of federal and state law.\n\nThis is your final warning and final opportunity to correct these violations voluntarily before they are presented in open court.\n\nWritten confirmation of correction or deletion must be sent to:XXXX XXXX XXXX XXXX, LA XXXX XXXXBankruptcy Filed: XXXX XXXX XXXXFair Credit Reporting Act (FCRA)\nXXXX XXXX XXXX XXXX XXXX www.consumer+nance.gov/learnmore XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXXWashington, D.C. XXXX  Summary of Your Rights Under the Fair Credit Reporting Act.\nThe federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the fles of consumer reporting agencies.\nThere are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about\ncheck writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more information,\nincluding information about additional rights, go to www.consumer;nance.gov/learnmore or write to: Consumer Financial Protection Bureau, XXXX XXXX XXXX  Washington, D.CXXXX XXXXYou must be told if information in your ;le has been used against you. Anyone who uses a credit report or another type of consumer report to deny\nyour application for credit, insurance, or employment  or to take another adverse action against you  must tell you, and must give you the name,\naddress, and phone number of the agency that provided the information.\nYou have the right to know what is in your ;le. You may request and obtain all the information about you in the fles of a consumer reporting agency\n(your "fle disclosure"). You will be required to provide proper identifcation, which may include your Social Security number. In many cases, the\ndisclosure will be free. You are entitled to a free fle disclosure if:\na person has taken adverse action against you because of information in your credit report;\nyou are the victim of identity theft and place a fraud alert in your fle;\nyour fle contains inaccurate information as a result of fraud;\nyou are on public assistance;\nyou are unemployed but expect to apply for employment within 60 days.\nIn addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide\nspecialty consumer reporting agencies. See www.consumerfnance.gov/learnmore for additional information.\nYou have the right to ask for a credit score. Credit scores are numerical summaries of your creditworthiness based on information from credit bureaus.\nYou may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you\nwill have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender.\nYou have the right to dispute incomplete or inaccurate information. If you identify information in your fle that is incomplete or inaccurate, and report it\nto the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfnance.gov/learnmore for an\nexplanation of dispute procedures.\nConsumer reporting agencies must correct or delete inaccurate, incomplete, or unveri;able information. Inaccurate, incomplete or unverifable\ninformation must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has\nverifed as accurate.\nConsumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative\ninformation that is more than seven years old, or bankruptcies that are more than 10 years old.\nAccess to your ;le is limited. A consumer reporting agency may provide information about you only to people with a valid need  usually to consider an\napplication with a creditor, insurer, employer, landlord, or other business. The FCRA specifes those with a valid need for access.\nYou must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your\nemployer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry.\nFor more information, go to www.consumerfnance.gov/learnmore.\nYou may limit "prescreened" offers of credit and insurance you get based on information in your credit report. Unsolicited "prescreened" offers for\ncredit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are\nbased on. You may opt-out with the nationwide credit bureaus at XXXX XXXX XXXX XXXX XXXX XXXX XXXXYou may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a\nconsumer reporting agency violates the FCRA, you may be able to sue in state or federal court.\nIdentity theft victims and active duty military personnel have additional rights. For more Information, visit www.consumerfnance.gov/learnmore.\nConsumers Have The Right To Obtain A Security Freeze\nYou have a right to place a \'security freeze\' on your credit report, which will prohibit a consumer reporting agency from releasing information in your\ncredit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name\nwithout your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and fnancial\ninformation in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a\nnew loan, credit, mortgage, or any other account involving the extension of credit.\nAs an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit fle at no cost. An initial fraud alert is a\n1-year alert that is placed on a consumer\'s credit fle. Upon seeing a fraud alert display on a consumer\'s credit fle, a business is required to take steps\nto verify the consumer\'s identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a\nfraud alert lasting 7 years.\nA security freeze does not apply to a person or entity, or its aUliates, or collection agencies acting on behalf of the person or entity, with which you have\nan existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account\nincludes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.\nStates may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law.\nFor more information, contact your state or local consumer protection agency or your state Attorney General. For more information about your federal\nrights, contact:\nFOR QUESTIONS OR CONCERNS REGARDING: PLEASE CONTACT:\n1.a. Banks, savings associations, and credit unions with total assets of over XXXX XXXX and their\naUliates.\nb. Such aUliates that are not banks, savings associations, or credit unions also should list in addition\nto the Bureau:\na. Bureau of Consumer Financial\nProtectioXXXX XXXX XXXX XXXXWashington, DC XXXX Federal Trade Commission Consumer\nResponse CenteXXXX XXXX XXXX XXXXWashington, DC XXXX. To the extent not included in item 1 above:\na. National banks, federal savings associations, and federal branches and federal agencies of foreign\nbanks\nb. State member banks, branches and agencies of foreign banks (other than federal branches, federal\nagencies, and insured state branches of foreign banks), commercial lending companies owned or\ncontrolled by foreign banks, and organizations operating under section 25 or 25A of the Federal\nReserve Act\nc. Nonmember Insured banks, Insured State Branches of Foreign Banks, and insured state savings\nassociations\nd. Federal Credit Unions\na. OUce of the Comptroller of the\nCurrency\nCustomer Assistance GroupXXXX XXXX XXXX TX XXXX. Federal Reserve Consumer Help\nCenterXXXX XXXX XXXX MN XXXX Division of Depositor and Consumer\nProtection\nNational Center for Consumer and\nDepositor Assistance\nFederal Deposit Insurance CorporationXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX National Credit Union Administration\nOUce of Consumer Financial ProtectionXXXX XXXX XXXX, VA XXXX Air carriers Assistant General Counsel for OUce of\nAviation Consumer Protection\nDepartment of TransportationXXXX XXXX XXXX XXXX XXXXWashington, DC XXXX. Creditors Subject to Surface Transportation Board OUce of Public Assistance,\nGovernmental Affairs, and Compliance\nSurface Transportation BoardXXXX XXXX XXXX XXXXWashington, DC XXXX. Creditors Subject to Packers and Stockyards Act Nearest Packers and Stockyards\nDivision Regional OUce\n6. Small Business Investment Companies Associate Administrator, OUce of\nCapital Access\nUnited States Small Business\nAdministrationXXXX XXXX XXXX XXXX XXXX XXXXWashington, DC XXXX. Brokers and Dealers Securities and Exchange CommissionXXXX XXXX XXXX XXXXWashington, DC XXXX. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, and\nProduction Credit Associations\nFarm Credit AdministrationXXXXXXXX XXXX XXXX XXXX  VA 2XXXX. Retailers, Finance Companies, and All Other Creditors Not Listed Above FTC Regional OUce for region in which'

Company response to consumer: Closed with explanation