National Enterprise Systems, Inc. – CFPB Complaint ID 2603514

Date Received: 2017-08-13T00:00:00

Product: I do not know

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I was recently alerted by a credit monitoring service that a new collection account was placed on my XXXX credit report on XX/XX/XXXX in the amount of {$2500.00} by National Enterprise System the original creditor being XXXX XXXX. Let me start by saying, I do n’t owe this debt because it was included in my chapter XXXX bankruptcy discharged of XX/XX/XXXX. I am certain XXXX XXXX was notified of my filing and discharge at the time. I have a copy of my discharge notice as proof. I was also able to contact XXXX XXXX on XX/XX/XXXX which they then confirmed my debts were sold to an outside collection agency many years ago soon after learning of my filing. XXXX XXXX forward me an old student account summary showing a balance in the amount of {$1000.00} dated XX/XX/XXXX that I allegedly owed at the time, which i disagreed with. The collection agency ( NES ) who now owns this zombie debt plus the unexplained amount they ‘ve added on to it has re-aging this debt by recently placing it on my credit report as if it was only 4 years old.They claim I owe this amount but can not tell me why. I have worked very hard to re-establish my credit over the past 6 years and now my rights are being violated and this is beginning to cause me great stress and depression.

Company: National Enterprise Systems, Inc.

State/Zip: FL 328XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2603514

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