Consumer complaint received 2023-05-08
Company: NCB Management Services Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello my name is XXXX XXXX, I am a victim of identity theft I've tried to resolve a debt with XXXX XXXX company about a debt is not owe to me and which turned into a collection with NCB Management, I've submitted all of the documents that was asked for ( ex ). ID, ssn, police report, and affidavit, but in return the items came back verified but how is that when I never sign any documents or gave verbal permission to use my identity, I've asked XXXX and NCB Management for a reinvestigation on my behalf, but they refused my request. this is the letter I've sent to XXXX and NCB Management. 

XX/XX/ To : NCB Management Services Contract Number XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX Dear NCB Management Service XXXX XXXX XXXXXXXX XXXX  XXXX 

Pursuant to the FCRA & the FDCPA, I now exercise my lawful right to question the validity of this debt your agency claims has come due. 

Fair credit reporting act 609 disclosures to consumers : ( c ) ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumers file, unless the information is outdated under section 605 or can not be verified.

Fair Credit Reporting Act 611 ( a ) 1 ( A ) Procedures in case of disputed accuracy : ( a ) Re-investigation of Disputed information ( 1 ) Re-investigation required ( A ) in general. Subject to section ( f ), if the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or in directly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Therefore, I demand to see a copy of the Verifiable, Validated so called proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by law are not considered proof, that you have on file for the account listed above Under the FCRA, unverified, invalid account must be removed. 

If you are unable to provide me with the original copy of the verifiable/validated proof that you have on file within 30 days from the receipt of this notice, for the account listed above then you at once remove the account from XXXX XXXX credit Report. I demand the account be verified or removed immediately! 

The law is very clear as to the Civil liability and the remedy available to me for the negligent noncompliance ( section 617 ) if you fail to comply with this Federal Law. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation