Consumer complaint received 2023-11-15
Company: National Enterprise Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Enterprise Systems XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX PHONE # XXXX EXT XXXX Reference : XXXX Amount Disputed : {$13000.00} In accordance with 15 U.S.C 1692g section 809 ( B ). Im putting you National Enterprise Systems on notice that your claim is disputed and validation of the furnished account on my consumer report is required : You National Enterprise Systems have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

I have a right to this information, as its directly associated with the reporting activities and Im requesting the following LISTED BELOW : - Signed Contract with my wet ink signature giving you National Enterprise Systems the right to contact me in regard to this alleged debt. 

*Purchase Agreement *Evidence that you are a licensed debt collector. 
*Chain of Title Proof that you are a licensed debt collector to collect in my state. 
*A requested copy of your State Department of Commerce and Insurance Certificate . 
*A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERALOR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210. 

Second, this authenticated record must include all tax filings including ALL 1099s, 1096s and 1098s any and all trades and or investments and or interest associated with this account of which I am alleged to be a party to .I have a right to all this information, as its directly associated with the reporting activities. 

Third, I need the following questions and information listed below answered truthfully under oath and under the penalties of perjury : 1. Are you the owner or assignee of this alleged account? 
2. What are the terms of the transfer of rights regarding this alleged account? 
3. Does a verifiable, bonafide original commercial instrument between the debt collector and alleged debtor containing debtors verified, bonafide signature exist? Please provide. 
4. Did you purchase this alleged account from the alleged original creditor? 
5. If you did purchase this alleged account, what is the date of purchase of this alleged account from the original creditor and what was the purchase amount? 

Forth, this is also notice for you National Enterprise Systems to CEASE & DESIST ALL COMMUNICATION AND COLLECTION ACTIVITIES IN REGARD TO THE ALLEGED LISTED ACCOUNT IN ACCORDANCE WITH 15 U.S.C1692c ( c ). 

Failure to remove the account in 15 days from my Consumer report as requested will result in legal matters being taken and me turning you National Enterprise Systems to the FEDERAL TRADE COMMISSION FOR ( FTC ) for aggravated identity theft, fraud, and for violations of the FDCPA. 

Lastly, If this matter is not resolved by the time specified above, I reserve the right to commence legal proceeding to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply. 

Sincerely, XXXX XXXX U.C.C 1-308 ARR

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