Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8277964
Complaint Overview
Complaint ID: 8277964
Company: Enova International, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Florida
ZIP Code: 330XX
Date Received: 2024-02-03T12:00:00-05:00
Date Sent to Company: 2024-02-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information Under 15 USC-1681b, Request for Blocking Under 15 USC-1681c-2 and XXXX Account Name : ( XXXX XXXX ) Account Number : ( XXXX ) Date of Reporting : XXXXXX/XX/XXXX Description of Inaccuracy : Under XXXX XXXX XXXX, consumer reporting agencies must ensure XXXX the information they report is used for permissible purposes only. I am disputing the accuracy of this information as it has a significant impact on my creditworthiness. I request a thorough investigation into the accuracy of this information as required by 15 USC 1681b. As per FCRA, as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written and unwritten, verbal and nonverbal per 15 USC 6802. Additionally, I suspect that this inaccurate information maybe a result of identity theft, which falls under the provisions of 15 USC 1681c-2. To address this concern, I kindly request that you investigate the possibility of identity theft and block the reporting of this information if it is found to be a result of such unauthorized activity. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwriten verbal and non-verbal per 15 USC 6802. Sincerely, XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #8277964 about?
Complaint #8277964 was filed against Enova International, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-02-03T12:00:00-05:00.
How did Enova International, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Enova International, INC.?
Yes, visit the Enova International, INC. company profile at readthecomplaint.com/company/enova-international-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.