Wing v. National Credit Systems, Inc.

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IN THE UNITED STATES DISTRICT COURT
FOR THE EASTERN DISTRICT OF TEXAS
SHERMAN DIVISION
HEATHER WING,
Plaintiff,
v.
NATIONAL CREDIT SYSTEMS, INC.,
Defendant.
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Case No. 4:25-cv-608-JDK-KNM
ORDER ADOPTING REPORT AND RECOMMENDATION
OF UNITED STATES MAGISTRATE JUDGE
Before the Court is Defendant National Credit Systems Inc.’s motion to dismiss
pursuant to Federal Rule of Civil Procedure 12(b)(6). Docket No. 10. This case was
referred to a United States Magistrate Judge K. Nicole Mitchell in accordance with
28 U.S.C. § 636.
On January 21, 2026, Judge Mitchell issued a Report and Recommendation
recommending that the motion to dismiss be granted in part,1 the Plaintiff’s
complaint be dismissed without prejudice, and the Plaintiff be given thirty days to
file an amended complaint curing the deficiencies in her original complaint. Docket
No. 13. No written objections have been filed.
This Court reviews the findings and conclusions of the Magistrate Judge de
novo only if a party objects within fourteen days of service of the Report and
Recommendation. 28 U.S.C. § 636(b)(1). In conducting a de novo review, the Court
1 Judge Mitchell recommended the motion to dismiss be denied in part as moot with respect to a
claim Plaintiff did not raise in her complaint. Docket No. 13 at 12.
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examines the entire record and makes an independent assessment under the law.
Douglass v. United Servs. Auto. Ass’n, 79 F.3d 1415, 1430 (5th Cir. 1996) (en banc),
superseded on other grounds by statute, 28 U.S.C. § 636(b)(1) (extending the time to
file objections from ten to fourteen days).
Here, no objections were filed. 	The Court therefore reviews Judge Mitchell’s
findings for clear error or abuse of discretion and reviews her legal conclusions to
determine whether they are contrary to law. 	See United States v. Wilson, 864 F.2d
1219, 1221 (5th Cir. 1989), cert. denied, 492 U.S. 918 (1989) (holding that, if no
objections to a Magistrate Judge’s Report are filed, the standard of review is “clearly
erroneous, abuse of discretion and contrary to law”).
Having reviewed the Magistrate Judge’s Report and Recommendations, the
Court finds no clear error or abuse of discretion and no conclusions contrary to law.
Accordingly, the Court hereby ADOPTS the Report and Recommendation of the
United States Magistrate Judge (Docket No. 13) as the findings of this Court,
GRANTS in part and DENIES in part as moot the motion to dismiss (Docket No.
10), and DISMISSES Plaintiff’s complaint without prejudice. 	Plaintiff shall have
thirty days to file an amended complaint curing the deficiencies in her original
complaint. 	Failure to timely file an amended complaint will result in the entry of
final judgment.
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So ORDERED and SIGNED this day of
___________________________________
JEREMY D. KERNODLE
UNITED STATES DISTRICT JUDGE
11th	February, 2026.
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