Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18277969
Complaint Overview
Complaint ID: 18277969
Company: Ncb Management Services INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Other personal consumer report
Issue: Incorrect information on your report
Sub-Issue: Information is incorrect
State: Florida
ZIP Code: 32305
Date Received: 2025-12-24T12:00:00-05:00
Date Sent to Company: 2025-12-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
NCB Management Services is reporting a collection account on my XXXX credit report that is inaccurate, contradictory, and has not been properly validated. The account is reported as a collection with a balance of {$5000.00} past due, while simultaneously indicating 0 % paid off. These statements are materially contradictory and can not both be accurate. This constitutes inaccurate and misleading credit reporting. NCB Management Services is listed as a debt buyer, yet has not provided proof of ownership of the alleged debt, a complete chain of title from the original creditor, or a copy of any signed agreement showing I have a legal obligation to pay this debt. Despite the account being formally disputed, NCB Management Services verified the account through the credit bureau without providing documentation to substantiate accuracy or authority. Automated verification does not satisfy the Fair Credit Reporting Acts requirement for a reasonable investigation. Additionally, my credit file contains an active fraud/identity theft alert, which requires heightened verification. NCB Management Services has continued reporting without demonstrating that the account is not the result of fraud or identity misuse. NCB Management Services actions appear to violate multiple federal consumer protection laws, including but not limited to : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information that is inaccurate or misleading FCRA 611 Failure to conduct a reasonable investigation FDCPA 809 ( 15 U.S.C. 1692g ) Failure to properly validate a disputed debt FDCPA 807 False or misleading representation of the status of a debt A debt can not be simultaneously 0 % paid off and past due, and such reporting materially harms my credit profile.
Frequently Asked Questions
What is Complaint #18277969 about?
Complaint #18277969 was filed against Ncb Management Services INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-12-24T12:00:00-05:00.
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.