Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
Sent letter for removal from credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX XXXX  XXXX Subject : Request for Immediate Removal of NCB Management Services from All Credit Bureaus Due to Data Breaches and Legal Violations Dear CFPB Representative, I am writing to formally request your assistance in removing a derogatory account from my credit file reported by NCB Management Services. This account has not only caused undue harm to my credit standing, but it is also associated with significant consumer data security violations that compromise its legitimacy. 
On or around XX/XX/XXXX, it was publicly disclosed that NCB Management Services suffered a data breach that affected the personal and financial information of over XXXX consumers. My personal information, including my name, address, phone number, date of birth, and potentially full account and Social Security Number, was among those compromised. This puts me at ongoing risk of identity theft and makes continued reporting of this debt inherently dangerous and unjust. 
Per the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c ( a ) ( 5 ), a consumer has the right to ensure that obsolete, inaccurate, or unverifiable information is not reported. Additionally, under FCRA 1681s-2, furnishers of information have a legal obligation to report accurate data and must cease reporting if the account is the result of identity theft or fraud. Given the scope of the breach and NCB 's failure to maintain secure consumer data, I contest that this account is no longer legally verifiable and should be removed under the FCRA and associated regulations. 
Furthermore, under FTC guidelines and the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 68016827, financial institutions have a duty to safeguard consumers ' personal information. NCBs failure to protect my data is a clear violation of these federal data privacy laws. 
I have made multiple attempts to resolve this directly with NCB Management Services and the credit bureaus, but they have failed to adequately verify the account or address my data security concerns. I now turn to the CFPB for support in rectifying this matter. 
I respectfully request the immediate removal of the NCB Management Services account from all credit reporting agencies, including XXXX XXXX, and XXXX, based on the following legal grounds : 1. Inability to verify the account without use of compromised information. 
2. Violation of consumer data protection laws under GLBA.

3. Ongoing harm caused by inaccurate and potentially fraudulent reporting. 
I have enclosed a copy of my credit report showing the NCB account, as well as any supporting documents related to the breach. 
Please confirm receipt of this complaint and inform me of any actions taken. Thank you for your time, consideration, and service to protect consumer rights. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation