Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Enterprise Systems, Inc.
State: TN

Complaint narrative:
National Enterprise Systems , Inc . 
Attn : Registered Agent XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Unlawful Debt Collection Activity - Alleged Debt of {$630.00} | XXXX XXXX XXXX XXXX To Whom It May Concern : This notice serves as a formal Notice of Intent to Sue in response to your recent correspondence dated [ XX/XX/year> ], in which National Enterprise Systems , Inc. ( NES ) claims to be attempting to collect an alleged debt in the amount of {$630.00} on behalf of XXXX XXXX XXXX XXXX ( XXXX  ). 
Your actions constitute multiple violations of federal and state law, including but not limited to the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and common law contractual principles. In addition, you have unlawfully used Page 1 NOTICE OF INTENT TO SUE the copyrighted, published trust name " XXXX XXXX XXXX XXXX XXXXXXXX XXXX '', of which I am the sole trustee, without consent or legal justification. 
I. FDCPA Violations ( 15 U.S. Code 1692 et seq. ) - 1692g - Failure to provide full debt validation notice.

- 1692e - False or misleading representation of the debt, including : - Claiming I owe a debt without proof of standing.

- Implying legal obligation without contract or verified assignment.

- 1692e ( 10 ) - Deceptive means used to collect a debt.

- 1692f - Unfair or unconscionable means of collection.

II. FCRA Violations ( 15 U.S. Code 1681 et seq. ) - 1681s-2 ( a ) - Reporting or furnishing inaccurate information to credit reporting agencies.

- 1681i - Failure to properly investigate a dispute.

- Unauthorized furnishing of information to a third-party collector.

III. TILA Violations ( 15 U.S. Code 1601 et seq. ) - NES has no standing to assert any claim under the original loan/credit terms.

- No signed agreement or TILA disclosures have been provided.

IV. Violation of Contract Law and Unauthorized Use of Trust Name - No contract, wet-ink signature, or consensual agreement with NES.

- Unauthorized use of the copyrighted trust name " XXXX XXXX XXXX XXXX XXXX XXXXXXXX ''. 
V. Demand for Immediate Remedy - Immediate cease and desist from all collection activities.

Page 2 NOTICE OF INTENT TO SUE - Full and complete debt validation package.

- No reporting of alleged debt to any credit bureau.

- {$1000.00} in statutory damages under FDCPA. 
- Cease use of trust name " XXXX XXXX XXXX XXXX XXXX  XXXX ''. 
- Preservation of all records under a litigation hold. 
VI. Notice of Legal Action Failure to comply within 15 days will result in legal action in federal and/or state court for : - Statutory and actual damages - Injunctive relief - Court costs and legal fees Complaints will also be filed with the CFPB, FTC, and the XXXX  Attorney General. 
GOVERN YOURSELF ACCORDINGLY. 
Sincerely, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Page 3

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