Consumer complaint received 2023-04-19
Company: National Enterprise Systems, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a letter from National Enterprise Systems. It incorrectly stated I owe a debt of {$2000.00} to XXXX XXXX  This puts National Enterprise Systems in multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). I do not owe this debt. 

On XX/XX/XXXX, I disputed this debt with a certified mail letter ( USPS XXXX # XXXX ). National Enterprise Systems responded with inaccurate documents that dont show I owe a debt. 

Please see the attached copy of my early warning report showing this account was closed as of XX/XX/XXXX with a {$0.00} balance. I do not owe a debt with XXXX XXXX 

The Fair Debt Collection Practices Act ( FDCPA ) states debt collectors can't use false, deceptive, or misleading practices. This includes misrepresentations about the debt, including : * The amount owed * That the person is an attorney if they are not * False threats to have you arrested * Threats to do things that can not legally be done * Threats to do things that the debt collector has no intention of doing '' This is a debt I do not owe, is uncollectible, and National Enterprise Systems is making threats that legally can not be done and they don't have intent on doing. 

National Enterprise Systems has also committed a series of Fair Credit Reporting Act ( FCRA ) violations, mentioned below. I have attached their initial communications which clearly shows the violations listed below. 

Violations : 15 U.S. Code 1692c ( a ) Communication with the consumer generally - Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S. Code 1692b ( 2 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt.

15 U.S. Code 1692b ( 5 ) Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

15 U.S. Code 1692d ( 2 ) - The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

These violations have caused me great harm in being unable to open a new personal or business bank accounts. This is holding back personal and professional growth as im unable to get the necessary accounts to grow my personal and business ventures. Please see the attached denial of getting approved for a bank account because of National Enterprise Systems.

I am seeking the following : According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the customer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want one thousand per violation ( {$4000.00} total ) or immediately stop all collection activities, stop reporting to all three credit bureaus and provide proof in writing. Please see attached invoice for immediate payment. 

Any continued pursuit of this debt not owed will be met by swift legal action to get it disassociated from my name. All necessary debt regulatory bodies will be notified and multiple complaints will be filed until collection efforts are ceased and the proof is provided in writing. 

Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation