Netizens received such text messages:
Digital Dispute Mediation Center] Due to the serious overdue loan, my credit information materials will be included in the 2024 second-generation credit blacklist restricted by high orders, unable to purchase high-speed rail, air tickets, bank accounts, provident funds, pension insurance, children's schooling, etc.
Lawyer analysis: The mediation center has no right to interfere with credit reporting and restrict high consumption!
The mediation center received by netizens sent text messages claiming that it could influence personal credit and impose high spending restrictions on others. However, this is outright disinformation. As a neutral third-party institution, the FDRC's duty is to assist in resolving disputes on a voluntary basis, and has neither the right nor the ability to influence personal credit reporting or restrict the consumption behavior of others.
The Mediation Center has no right to interfere with credit reporting
Regarding the issue of credit reporting, this is recorded and uploaded by a formal lending institution in accordance with legal procedures. The FDRC does not have such functions and competence.
The FDRC does not have the power to restrict high spending
With regard to the restriction of high consumption, this is a legal measure taken by the Executive Directorate of the Court in specific circumstances. Only when the person subject to enforcement fails to perform the payment obligations determined in the effective legal documents within the period specified in the enforcement notice, the people's court has the right to take measures against him to restrict high consumption. As a non-executive body, the FDRC has no right to intervene or make any decisions in this regard.
When the majority of netizens receive similar text messages, they should remain vigilant and do not believe the content in them.
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