Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: NCB Management Services Inc.
State: MS

Complaint narrative:
NCB XXXX XXXX is reporting a debt buyer account with fundamental inaccuracies and timeline inconsistencies : Account Details : Account Number : XXXX XXXX ( XXXX )/ XXXX ( XXXX ) Date Opened : XX/XX/XXXX Original Amount : {$4400.00} Current Balance : {$4400.00} Status : Collection Account VIOLATION : The account shows inconsistent account numbers between bureaus for the same debt, suggesting improper reporting or potential duplicate entries. 2. IMPOSSIBLE TIMELINE REPORTING Date of First Delinquency vs. Date Opened : Date Opened : XX/XX/XXXX Date of 1st Delinquency : XX/XX/XXXX ( XXXX ) VIOLATION : The account shows a first delinquency date that is 5 MONTHS BEFORE the account was opened, which is factually impossible. XXXX. INCONSISTENT ORIGINAL CREDITOR INFORMATION XXXX Report Shows : Original Creditor : XXXX XXXX XXXX CO Historical Info : Account originated from XXXX XXXX XXXX Report Shows : No clear original creditor information provided VIOLATION : FCRA requires accurate original creditor identification for debt buyer accounts under Section 623 ( a ) ( 5 ). 4. FAILURE TO INVESTIGATE DISPUTES PROPERLY Evidence of Multiple Disputes : Narrative Code 166 : " Consumer Disputes This Account Information '' ( ongoing ) Narrative Code 167 : " Consumer Disputes After Resolution '' XXXX Comments : " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '' " Completed investigation of FCRA dispute - consumer disagrees '' Multiple dispute periods : XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX VIOLATION : Despite multiple disputes and investigations, fundamental errors ( impossible timeline, inconsistent information ) remain uncorrected. 5. INACCURATE BALANCE REPORTING Static Balance Issue : Balance has remained exactly {$4400.00} for over 24 consecutive months No payments, adjustments, interest, or fees reflected VIOLATION : This suggests either frozen/inaccurate reporting or failure to update account status 6. IMPROPER COLLECTION STATUS REPORTING Payment History Inconsistencies : Shows " Collection '' status for all 24+ months No variation in balance despite collection activity VIOLATION : Collection accounts should show accurate balance changes, payments, or adjustments 7. INCONSISTENT ACCOUNT INFORMATION BETWEEN BUREAUS Account Number Discrepancies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIOLATION : Same debt being reported with different account identifiers Contact Information Differences : XXXX : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX VIOLATION : Inconsistent furnisher contact information XXXX. FAILURE TO PROVIDE REQUIRED DEBT VALIDATION Missing Required Information : No clear chain of title documentation Inconsistent original creditor information No explanation for impossible timeline VIOLATION : FCRA Section 623 requires accurate, complete information 9. WILLFUL NONCOMPLIANCE WITH FCRA Evidence of Willful Violations : Multiple dispute cycles with no correction of obvious errors Impossible dates that should be immediately apparent Continued reporting despite consumer disagreement noted in file Pattern of inaccurate reporting across multiple credit bureaus LEGAL VIOLATIONS : 15 U.S.C. 1681s-2 ( a ) - Duty of furnishers regarding accuracy 15 U.S.C. 1681s-2 ( b ) - Duties of furnishers upon notice of dispute 15 U.S.C. 1681i - Procedure in case of disputed accuracy 15 U.S.C. 1681s-2 ( a ) ( 5 ) - Original creditor identification requirements CONCLUSION : NCB Management Services ' reporting of an account with a first delinquency date 5 months before the account was opened, combined with their failure to correct this obvious error despite multiple disputes, constitutes willful violation of the FCRA requiring immediate CFPB intervention and corrective action.

Company response to consumer: Closed with explanation