Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12063279
Complaint Overview
Complaint ID: 12063279
Company: Ncb Management Services INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Illinois
ZIP Code: 60620
Date Received: 2025-02-11T12:00:00-05:00
Date Sent to Company: 2025-02-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear XXXX, I am writing to formally dispute the information reported regarding the following debt : Account Name : NCB MANAGEMENT SERVICES Account Number : XXXX I am asserting that this account is being reported inaccurately and request its immediate removal from my credit report. I have received communication from the debt collection agency XXXX XXXX XXXX, stating that they do not own the debt in question. Given that the debt collector has explicitly confirmed that they do not own the debt, they are legally prohibited from reporting this information to you or attempting to collect it. As such, the reporting of this debt is inaccurate and violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Dispute Details : I dispute the accuracy of this debt for the following reasons : 1. 2. 3. Debt Ownership : [ Debt Collectors Name ] has confirmed that they do not own the debt, which makes their involvement in reporting or attempting to collect on this debt unlawful. A debt collector can only report information to a credit reporting agency if they have legal ownership or authority to collect the debt. Because the collector has denied ownership, they lack the right to report this debt. Failure to Validate the Debt : Under 15 U.S.C. 1692g, a debt collector must validate the debt by providing proof of the debt, including the name of the creditor, the amount owed, and the original account number. To date, I have not received sufficient validation of the debt, as the debt collector has failed to provide the necessary documentation, making the information reported inaccurate and incomplete. Violation of the FCRA : Under 15 U.S.C. 1681s-2, furnishers of information to CRAs must report accurate and complete information. Since the debt collector has stated they do not own the debt, their reporting constitutes a violation of the FCRA. Demand for Action : I request that this inaccurate account be immediately deleted from my credit report. Legal Violations : FCRA Violation : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits the reporting of inaccurate or incomplete information. FDCPA Violation : The debt collectors failure to validate the debt and their inability to prove ownership violates 15 U.S.C. 1692g. This inaccurate reporting is damaging my credit and financial reputation, and I request its prompt removal from my credit report. Deadline for Resolution : You are required to investigate this dispute and correct the inaccurate information within 30 days of receiving this letter, as outlined in the FCRA. Therefore, I request that this account be deleted from my credit report within 10 business days from your receipt of this letter. Required Actions : Immediate deletion of the disputed account from my credit report. Written confirmation of the deletion once processed. A copy of my updated credit report showing that the inaccurate account has been removed. Failure to resolve this issue promptly will compel me to pursue legal remedies under both the FCRA and the FDCPA, including seeking damages for willful violations. I appreciate your immediate attention to this matter and look forward to your prompt response. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #12063279 about?
Complaint #12063279 was filed against Ncb Management Services INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-02-11T12:00:00-05:00.
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.