Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
This notice is regarding a collection account that NCB MANAGEMENT SERVICES furnished to the consumer reporting agencies with a balance of {$1800.00} and 22 late transactions on ( XX/XX/year> ). 
NCB MANAGEMENT SERVICES is in clear violation of the law and is liable for all actual damages caused by their actions. 
According to - 15USC 1666 ( b ) states that creditors cant report a LATE Transaction unless the statement including the disclosure from 1637 ( b ) was mailed 21 days before the late transaction was reported. Please provide the original statement you sent 21 days before each LATE TRANSACTION was reported. According to 15USC 1666 ( b ) ; IT CLEARLY STATES - ( a ) TIME TO MAKE PAYMENTS- A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

According to this section of the LAW 15USC 1681a ( 2 ) ( a ) ( i ) ; Exclusions from a Consumer Report ; My transactions to your company are EXCLUDED from my consumer report - the FCRA states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include all transactions or experiences between the consumer and the person making the report.

Your violation of 15USC 1681a ( 2 ) ( a ) ( i ) makes this account and all of the nonpublic personal information you contacted third parties or credit reporting agencies with incomplete and inaccurate. 

NCB MANAGEMENT SERVICES INC is in violation of 15USC6802 ( B ) because I never received full privacy disclosure before you contacted the consumer reporting agencies with my personal information.

USC 6802 Section ( b ) OPT OUT ( 1 ) In General A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party.

( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) The consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

NCB MANAGEMENT SERVICES INC never disclosed these documents to me the consumer before contacting any third party or credit reporting agencies with my nonpublic personal information which again, makes this account along with all its information incomplete and inaccurate.

NCB MANAGEMENT SERVICES INC VIOLATED 15USC 1666 ( b ), 15USC 1681 ( 2 ) ( a ) ( i ), 15USC 1692 ( c ), 15USC 6802 ( B ) and the FDCPA & 10006.30a, REGULATION F to furnish this incomplete, unverifiable and inaccurate collection account on my XXXX & XXXX report. 
THIS COLLECTION ACCOUNT IS IN VIOLATION OF THE FCRA AND NOT IN XXXX XXXX COMPLIANCE!

Company response to consumer: Closed with explanation