Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Enterprise Systems, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Formal Complaint Against National Enterprise Systems for Violation of Consumer Protection Laws Dear Sir/Madam , National Enterprise Systems accused me of owing an alleged debt that they state that I owe. I was unaware of this alleged debt, and I didnt have an opportunity to dispute this information, as National Enterprise Systems never provided me the proper notification of the alleged debt. If in fact they believe that they gave me the properly notification then please have them send me the certified return green card receipt with my name, address, and date on it. 
So then I wrote National Enterprise Systems and requested debt validation pursuant to 15 USC 1692g including : *An Official Affidavit of Debt *The original contract on their company letter head with my wit ink signature on it *Proof of ownership AKA change of Custody collection *The full accounting records both Public and Private in accordance with General Accepted Accounting Principles ( GAAP ) and in accordance with 15 U.S.C. 44 Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. 

They failed to provide me with proof of validation of the debt. So then I wrote them an affidavit of truth for Violation of Consumer Protection Laws and they failed to respond to the affidavit within 30 days. I am writing to file a formal complaint against National Enterprise Systems for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692, et seq. I have attached exhibits documenting the violations as follows : Exhibit A : Violation of 15 USC 1692 ( c ) ( a ) - Communication with Consumer I have proof that National Enterprise Systems communicated with me in connection with the collection of a debt, which is a violation of 15 USC 1692 ( c ) ( a ). Exhibit B : Violation of 15 USC 1692 ( b ) ( 2 ) - Commun
ication with Third Parties I have evidence that National Enterprise Systems communicated with third parties for the purpose of acquiring location information about me and stated that I owe a debt, which is a violation of 15 USC 1692 ( b ) ( 2 ).

Exhibit C : Violation of 15 USC 1692 ( b ) ( 5 ) - Use of Language or Symbol I have documentation showing that National Enterprise Systems used language or symbols on envelopes or in communications that indicate they are in the debt collection business, which is a violation of 15 USC 1692 ( b ) ( 5 ).

Exhibit D : Violation of 15 USC 1692 ( d ) ( 2 ) - Use of Obscene or Profane Language I have proof that National Enterprise Systems used obscene or profane language in communications with me or language that abused or harassed me, which is a violation of 15 USC 1692 ( d ) ( 2 ).

Exhibit E : Violation of 15 U.S.C. 1692f ( 8 ) - Use of Language or Symbol I have documentation showing that National Enterprise Systems used language or symbols on envelopes or in communications that indicate they are in the debt collection business, which is a violation of 15 U.S.C. 1692f ( 8 ). 

Another federally protected consumer have also file complaints against National Enterprise Systems for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ). Listed below are just a few. 

XX/XX/year> CFPB XXXX Took or threatened to take negative or legal action With that being said, National Enterprise Systems are in clear violation of the FDCPA and my rights as a federal protected consumer. I request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action against National Enterprise Systems I also request that the Consumer Financial Protection Bureau impose a remedy of {$1000.00} per violation, as provided for under 15 USC 1692k, on National Enterprise Systems to compensate me for the harm caused by these violations. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely XXXX XXXX XXXX.