Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
FROM : XXXX XXXX XXXX, FL XXXX TO : Consumer Financial Protection Bureau | XXXX XXXX XXXX, XXXX XXXX, IA XXXX DATE : XX/XX/XXXX RE : Formal Complaint Against NCB Management Services , Inc. for Violations of the FDCPA and FCRA ACCOUNT NO. XXXX XXXXXXXX I. INTRODUCTION AND STANDING I, XXXX, a consumer and resident of XXXX, Florida XXXX, hereby submit this formal written complaint against NCB Management Services , Inc. ( XXXX XXXX XXXX, XXXX, PA XXXX ) for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., concerning account number XXXX. I submit this complaint in my capacity as a federally protected consumer and respectfully request the full investigatory authority and remedial powers of the Consumer Financial Protection Bureau be exercised in this matter. II. BACKGROUND AND FACTUAL BASIS OF DISPUTE On or about XX/XX/XXXX, the Respondent NCB Management Services , Inc. began reporting a debt to one or more consumer reporting agencies and/or attempted to collect an alleged debt that I expressly dispute as inaccurate, unverifiable, and/or not legally owed. Upon becoming aware of this collection activity and adverse reporting, I exercised my statutory rights by submitting a formal written request for debt validation on XX/XX/XXXX, via certified mail, with return receipt requested, directed to NCB Management Services , Inc. at its place of business. The Respondent failed to provide adequate validation of the alleged debt as required under 15 U.S.C. 1692g of the FDCPA. No documentation establishing the nature, amount, or legal basis of the alleged debt was provided within the applicable statutory period. Despite the absence of adequate validation and despite my express written dispute, the Respondent continued its collection and/or reporting activity. III. VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ) The Respondent 's conduct constitutes one or more violations of the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. Specifically, the Respondent has engaged in the following unlawful acts and omissions : 1. Failure to Provide Debt Validation 15 U.S.C. 1692g : The Respondent failed to provide adequate written verification of the alleged debt within thirty ( 30 ) days of receiving my timely and properly submitted validation request dated XX/XX/XXXX. No documentation was furnished sufficient to establish the amount, origin, chain of ownership, or legal enforceability of the alleged debt associated with account XXXX. 2. Continued Collection Activity After Receipt of Validation Request 15 U.S.C. 1692g ( b ) : Following receipt of my written dispute and validation request, the Respondent continued or failed to cease collection activity, including but not limited to continued adverse credit reporting. Such conduct is expressly prohibited under the FDCPA pending the provision of adequate debt validation. 3. Failure to Report Account as Disputed 15 U.S.C. 1692e ( 8 ) : The Respondent failed to communicate to the consumer reporting agencies that account XXXX was disputed by the consumer, or continued to report the alleged debt without disclosing the existence of my valid dispute. Reporting a debt while failing to note the consumer 's dispute constitutes a false, deceptive, or misleading representation in violation of 15 U.S.C. 1692e ( 8 ). 4. False, Deceptive, or Misleading Representations 15 U.S.C. 1692e : The Respondent used, or is believed to have used, false, deceptive, or misleading representations or means in connection with the collection of the alleged debt associated with account XXXX, in violation of the general prohibition set forth at 15 U.S.C. 1692e. This includes, but is not limited to, misrepresenting the character, amount, or legal status of the alleged debt. IV. VIOLATIONS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) In addition to the foregoing FDCPA violations, the Respondent has violated the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., in its capacity as a furnisher of information to consumer reporting agencies. Specifically : 5. Furnishing Inaccurate Information FCRA 623 ( 15 U.S.C. 1681s-2 ) : The Respondent is furnishing or has furnished information regarding account xxxx1738 to one or more consumer reporting agencies that is inaccurate and/or can not be verified. As a furnisher of information, the Respondent bears an affirmative duty under FCRA 623 to report only accurate information and to promptly update or correct any information it knows or should know to be inaccurate. 6. Failure to Conduct a Reasonable Investigation FCRA 623 ( b ) : Upon receiving notice of my dispute whether directly or through a consumer reporting agency the Respondent failed to conduct a reasonable investigation into the accuracy of the reported information, in violation of 15 U.S.C. 1681s-2 ( b ). 7. Failure to Correct or Delete Inaccurate Information FCRA 623 ( b ) ( 1 ) ( E ) : Having received notice of my dispute, the Respondent has failed to correct, update, or arrange for the deletion of the inaccurate or unverifiable information associated with account XXXX from the relevant consumer reporting agency files, as required by law. V. RELIEF REQUESTED In light of the foregoing violations of federal consumer protection law, I respectfully request that the Consumer Financial Protection Bureau take all appropriate action within its authority, including but not limited to the following specific relief : 8. Investigation : Conduct a full and thorough investigation into the Respondent 's conduct with respect to account XXXX and its compliance with the FDCPA and FCRA as described herein. 9. Deletion of Tradeline : Order NCB Management Services , Inc. to immediately and permanently delete the disputed tradeline associated with account XXXX from all consumer reporting agencies, including but not limited to XXXX, XXXX, and XXXX. 10. Cessation of Collection Activity : Order the Respondent to immediately cease all collection activity with respect to the alleged debt associated with account XXXX, including any direct or indirect contact, reporting, or referral to third parties. 11. Penalties and Remedies : Assess any and all appropriate civil penalties, fines, or remedies authorized by applicable law, including supervisory or enforcement actions consistent with the CFPB 's authority under the Consumer Financial Protection Act of XXXX ( 12 U.S.C. 5481 et seq. ). 12. Public Complaint Record : Maintain this formal complaint in the CFPB 's public Consumer Complaint Database as a matter of public record, and forward a copy to all relevant federal regulatory agencies as appropriate. VI. SUPPORTING DOCUMENTATION AND CLOSING STATEMENT Supporting documentation, including certified mail receipts evidencing the timely submission of my validation request dated XX/XX/XXXX, prior written correspondence with NCB Management Services , Inc., applicable credit report excerpts reflecting the disputed tradeline for account XXXX, and any other relevant records, is attached to this complaint and is available in full upon the CFPB 's request. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct to the best of my knowledge, information, and belief. I am a consumer protected under the FDCPA and FCRA, and I have a good-faith basis for each allegation set forth herein. I respectfully urge the Bureau to exercise the full extent of its investigatory and enforcement authority in this matter, and I stand ready to cooperate fully with any inquiry, provide additional documentation, or respond to any requests for information. Respectfully submitted, XXXX XXXX, FL XXXX Date : XX/XX/XXXX Letter 2 of 3 | NCB Management Services , Inc. Account XXXX | XXXX XXXX XX/XX/XXXX | CONFIDENTIAL

Company response to consumer: Closed with explanation