Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13650151
Complaint Overview
Complaint ID: 13650151
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: Louisiana
ZIP Code: 705XX
Date Received: 2025-05-21T12:00:00-05:00
Date Sent to Company: 2025-05-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Dear CFPB, I am writing to report an issue I have encountered with NCB Management Services, which has significantly impacted my credit score and my ability to secure housing. On XX/XX/year>, NCB Management Services reported a debt of {$10000.00} to the credit bureaus without my permission. I was not notified of this debt prior to its reporting, nor did I authorize any actions regarding this account. This collection has resulted in a XXXX decrease in my credit score, which has made it extremely difficult for me to find a place to stay. Under the Fair Debt Collection Practices Act ( FDCPA ), I believe that I have the right to be informed about any debts owed and to dispute any inaccuracies. The actions taken by NCB Management Services appear to violate these rights, as I was not given the opportunity to address this matter before it affected my credit. The consequences of this situation have been severe, as I am now facing challenges in securing housing due to my diminished credit score. I kindly request your assistance in investigating this matter and taking appropriate action against NCB Management Services for their practices. Thank you for your attention to this urgent matter. I look forward to your response.
Frequently Asked Questions
What is Complaint #13650151 about?
Complaint #13650151 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 2025-05-21T12:00:00-05:00.
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.