Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NCB Management Services Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Subject : Urgent Complaint Data Breach & Incorrect Credit Reporting Due to Identity Theft ( FCRA Violations ) To Whom It May Concern, I am submitting this formal complaint regarding errors on my credit report due to identity theft and a potential data breach. The credit bureaus ( XXXX, XXXX, and XXXX ) have reported false bankruptcies and evictions that do not belong to me. These inaccuracies have severely impacted my financial stability, making it difficult to obtain loans and other financial services. Despite my previous attempts to dispute these items, they remain on my credit report, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Errors on My Credit Report : Fraudulent Bankruptcies I have never filed for bankruptcy, yet my credit report falsely reflects one. 
Incorrect Evictions My credit report contains eviction records that do not belong to me. 
Identity Theft & Data Breach My personal information was compromised and used fraudulently. 
Failure to Investigate & Correct Errors The credit bureaus have failed to remove these inaccuracies despite my disputes. 
Dispute Codes for Correction : 103 - Not his/hers ( Fraudulent bankruptcy filing ) 112 - Belongs to another person ( Erroneous eviction reporting ) 002 - Fraudulent Account ( Identity theft impact ) 086 - Incorrect Public Record Violations of My Rights Under 15 U.S.C. 1681 ( FCRA ) : 15 U.S.C. 1681c ( a ) ( 1 ) & ( a ) ( 2 ) The credit bureaus are reporting inaccurate and outdated bankruptcies and evictions, violating the maximum reporting period allowed by law.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation of my disputed items within the required timeframe.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) Furnishers are continuing to report false information after being notified of a dispute, which is prohibited.

15 U.S.C. 1681b Unauthorized access to my credit report due to identity theft, violating consumer privacy rights.

15 U.S.C. 1681n & 1681o The credit bureaus are in willful or negligent noncompliance with the FCRA, which entitles me to potential legal damages. 
Requested Action : Immediately remove the fraudulent bankruptcies and evictions from my credit report. 
Conduct a thorough reinvestigation and ensure that my report is updated to reflect accurate information. 
Provide me with a written confirmation that these errors have been corrected. 
Ensure full compliance with the FCRA to prevent further violations of my rights. 
These errors have severely impacted my ability to secure loans and housing. If this matter is not resolved promptly, I may be forced to escalate my complaint to the Federal Trade Commission ( FTC ), the State Attorney Generals office, and pursue legal action for damages related to noncompliance with the FCRA. 

I request a prompt response regarding this matter. Please acknowledge receipt of this complaint and provide an estimated timeline for resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation