Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : Rebuttal to Complaint # XXXX Concerning Alleged Debt from XXXX XXXX XXXX XXXX XXXX 

Dear NCB This letter serves as my formal rebuttal regarding NCB Management Services , Inc.s ( NCB ) actions concerning the alleged debt originating from XXXX XXXX XXXX XXXX XXXX purportedly transferred to your agency on XX/XX/XXXX. Your response lacks the necessary validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), and NCBs credit reporting practices violate the Fair Credit Reporting Act ( FCRA ). If these violations are not rectified immediately, NCB faces significant legal penalties.

1. Failure to Provide Proper Debt Validation ( FDCPA Violation ) Under 15 U.S.C. 1692g ( b ), debt collectors are required to cease collection activities until valid debt verification is provided. NCBs inability to produce the full chain of title and supporting documentation, as established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), constitutes a violation of this statute. Debt XXXX failing to comply have faced costly judgments, as seen in XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), where over {$310000.00} in damages and fees were awarded. 

This non-compliance, coupled with continued pursuit of collection without proper validation, is a serious violation of federal law. NCB must immediately cease all collection activities and credit reporting until comprehensive validation is provided. 

2. FCRA Violations Failure to Investigate and Report Accurately NCBs mishandling of my credit reporting dispute violates 15 U.S.C. 1681s-2 ( b ), which mandates thorough investigation of disputes. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held that debt collectors must accurately report and investigate disputes. Your failure to do so exposes NCB to the same consequences as in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), where damages exceeding {$350000.00} were awarded due to failure to correct inaccuracies. 

The continued reporting of this account to credit bureaus without providing adequate validation or correcting errors constitutes a willful violation of the FCRA, subjecting NCB to statutory damages of {$1000.00} per violation, plus punitive damages and attorney fees, as established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ). 

3. History of Debt Collector Penalties in Court It is important to note that debt collectors, like NCB, who fail to properly validate debts or report inaccurate information, have faced serious financial consequences : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : The court imposed {$180000.00} in fines for invalid debt and erroneous reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX ) : Over {$70000.00} was awarded due to improper collection practices. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : The court imposed {$200000.00} in fines for similar violations under the FDCPA and FCRA. 

4. Violations of the Uniform Commercial Code ( UCC ) In addition to the FDCPA and FCRA violations, NCBs failure to provide a complete chain of title and accounting of the debt violates UCC Article 9. Specifically, UCC 9-210 requires the secured party to provide verification of the debt upon request. NCBs refusal to provide this documentation further exposes it to legal liabilities. 

Final Demand for Action Given the extent of NCBs legal violations, I hereby demand the following : 1. Immediate cessation of all collection activities related to this debt.

2. Deletion of all inaccurate information regarding this debt from the credit bureaus ( XXXX, XXXX, and XXXX ) within 15 days. 
3. Full validation of the debt, including a comprehensive payment history, the original signed contract, and any documentation proving your right to collect on this debt.

Failure to comply with these demands will result in : The filing of a lawsuit in federal court under the FDCPA, FCRA, and UCC, seeking actual, statutory, and punitive damages.

Escalation of my CFPB complaint with further documentation of your violations. 
Filing a complaint with the Federal Trade Commission ( FTC ) and the Office of the Attorney General for violations of consumer protection laws.