Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #11818291
Complaint Overview
Complaint ID: 11818291
Company: Ncb Management Services INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Georgia
ZIP Code: 31206
Date Received: 2025-01-25T12:00:00-05:00
Date Sent to Company: 2025-01-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Around XX/XX/XXXX, I noticed an account listed for collection by NCB Management Services with a balance of {$8200.00}. This account is showing up on my credit report, but I havent received proper documentation to validate the debt. To make matters more confusing, the original creditor is also listed as NCB Management Services, which seems strange and raises questions about the accuracy of the information. On XX/XX/XXXX, I disputed this account with the credit reporting agencies and reached out to NCB Management Services directly. So far, I havent received enough proof that the debt is valid or that they even have the right to collect it. Even though Ive disputed it, the account is still showing up on my credit report as Account information disputed by consumer, but nothing has been resolved. Im also concerned about the amount listed because it doesnt match what I expected based on prior communication with the original creditor. Actions Ive Taken : XXXX. Disputed with Credit Bureaus : Date : XX/XX/XXXX Status : Waiting for updates or resolution. XXXX. Requested Validation from NCB Management Services : Date : XX/XX/XXXX Status : No response or proper documentation received. XXXX. Contacted the Original Creditor : Date : XX/XX/XXXX Status : Still waiting for confirmation about the account transfer and balance. What Id Like to Happen : I need NCB Management Services to provide full validation of this debt. This includes proof of the original agreement, a clear breakdown of the balance, and evidence that theyre legally allowed to collect it. If they cant provide this information, Im requesting that the account be removed from my credit report, and all collection efforts stopped.
Frequently Asked Questions
What is Complaint #11818291 about?
Complaint #11818291 was filed against Ncb Management Services INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-01-25T12:00:00-05:00.
How did Ncb Management Services INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Ncb Management Services INC.?
Yes, visit the Ncb Management Services INC. company profile at readthecomplaint.com/company/ncb-management-services-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.