Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: MI

Complaint narrative:
I am writing to formally dispute and request the removal of an inaccurate and unverified collection account appearing on my credit reports from XXXX and XXXX. The details of the disputed account are as follows : Creditor Name : NCB Management Services Original Creditor : XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$1400.00} Date Opened : XX/XX/XXXX Status : Collection Account Upon reviewing my credit reports, I have identified multiple errors, violations, and inconsistencies in how this account is reported. These discrepancies, along with the failure to provide proper validation, warrant its immediate removal. 

1. Failure to Provide Proof of Debt Ownership Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, a debt collector must provide validation of the debt, including a purchase agreement or assignment of debt from the original creditor ( XXXX XXXX XXXX ). Despite my requests, NCB Management Services has failed to provide any documentation proving they own or have the right to collect this debt.

Without a valid purchase agreement or contractual proof, the debt is illegally being reported and must be removed.

2. Inaccurate and Contradictory Reporting Across Bureaus The account information is inconsistent between the two credit bureaus : XXXX Report ( Ref : NCB Management Services ) [ 41 ] Account opened : XX/XX/XXXX Past due amount : {$1400.00} Reports as a collection account but lacks any payment history or verification of debt. 
Date of first delinquency is listed as XX/XX/XXXX, which is before the account was opened, making the reporting inaccurate. 
Comments state : " Account previously in dispute now resolved by data furnisher '', but I have never received valid documentation to verify this debt. 

XXXX Report ( Ref : NCB Management Services ) [ 42 ] Account opened : XX/XX/XXXX Balance : {$1400.00} No payment history is available. 
Lists the original creditor as " 12 XXXX XXXX XXXXXXXX, '' while XXXX simply states " XXXX XXXX XXXX, '' which is inconsistent. 
Comments state : " Dispute resolved ; customer disagrees, '' yet no supporting evidence has been provided. 
These inconsistencies violate 15 U.S.C. 1681s-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be accurate and verifiable. Because NCB Management Services has failed to provide a consistent and accurate report, this account should be removed from all credit bureaus.

3. Failure to Properly Investigate My Dispute Each credit report indicates that I have disputed this collection account. However, under 15 U.S.C. 1681i ( a ) of the FCRA, if a consumer disputes an account, the furnisher ( NCB Management Services ) must : Conduct a reasonable investigation Delete any inaccurate or unverifiable information Since NCB Management Services has not provided any valid documentation proving this debt, they are in violation of the FCRA and FDCPA and must remove this account.

Company response to consumer: Closed with explanation