Consumer complaint received 2024-11-07
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Enterprise Systems, Inc. (GA)

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX, 2024 NATIONAL ENTERPRISE SYSTEM XXXX XXXX XXXX OHIO XXXX XXXX Re : Dispute of Alleged Debt Dear XXXX, Please be advised that this letter serves as a formal dispute of the alleged debt referenced in your correspondence and sent to me in relation to an account that you claim I owe. I am writing to request full validation of the debt as permitted by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Sec. 809 ( b ). This letter is not a refusal to pay the debt, but a request for proper documentation proving that I owe the amount you claim. 

As per my rights under the FDCPA, I request that you provide the following information and documentation : The name of the original creditor on the alleged debt, and the corresponding account number. 
The original amount owed, including a full, itemized payment history starting from the date the debt was first incurred with the original creditor. 
Legal documentation that proves I am legally obligated to pay this debt. 
The original date of delinquency on this account. 
A copy of the agreement granting you the authority to collect this alleged debt, or proof of assignment or transfer of the debt to your agency. 
The amount you paid to acquire this debt and how the current balance owed was calculated. 
Please provide all requested documents within XXXX  days of receipt of this letter, and please do so via certified mail. Failure to provide the requested documentation will result in the immediate removal of any claim against me and the corresponding entry from my credit profile. 

Additionally, I am formally notifying you that you do not have my consent to contact me through any means other than in writing, and you do not have my authorization to access, possess, or report any of my private information. Any such unauthorized actions are considered a violation of my rights and may constitute aggravated identity theft under applicable law. Furthermore, I did not grant you permission to report my information to any credit reporting agency. I demand that you cease reporting this information immediately until full validation has been completed. 

Under the Fair Credit Reporting Act ( FCRA ), I expect that you will flag this account as disputed with the credit bureaus during the validation process. You are also required to cease reporting this information to any credit reporting agency while the dispute is ongoing. 

Please be advised that a copy of this letter has been forwarded to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and all three national credit reporting agencies ( XXXX, XXXX, and XXXX ) to initiate their own investigations concurrently with your review. 

If I do not receive the requested validation within the specified XXXX  days, I will take appropriate action, including filing complaints with the FTC, CFPB, and relevant state authorities. Additionally, I reserve the right to pursue private civil action for damages caused by this matter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX