Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc.
State: DE

Complaint narrative:
NCB sent me an emails regarding the debt on XX/XX/XXXX, XXXX XXXX and the XXXX. On XX/XX/XXXX, I responded with a debt validation letter requesting the following information ; name and address of the original creditor, the amount of the debt, how it was calculated, proof that they have the legal right to collect this debt and proof that I am legally responsible for this debt. In the same letter, I wrote, until you provide me with this information, I expect all collection activity to cease and desist as per 15U.S.C.1692GC. If you can not or do not intend to provide this validation, please inform me in writing so I may take appropriate action to protect my rights. Then I sent a letter on XX/XX/XXXX stating I requested verification of the alleged debt under my rights and that I am within my rights of a verification request. I requested a copy of a signed contract, which I did not get. I requested that they ceased and assisted all at collection activity, including credit reporting, which they did not. I requested that they delete any and all reporting made to any consumer credit reporting agency, they did not. They have clearly failed to address my very specific legal request and are clear and clear violation under the FDCPA, they failed to obtain and send verification to the alleged debt by not mailing me a contract instead of sending me a signed contract or an agreement signed by all parties involved as requested they mailed me a bill a bill is not a contract or agreement and are nonresponsive to my verification request Second, they failed to cease and assist and delete my credit reporting of the dispute alleged debt is false, deceptive and misleading representation or means in connection with the collection of the debt to communicate to any person due to the previously stated they have caused me and my family, additional stress, frustration, credit damage and costs, I also asked them to formally served process. You may resolve my FDCPA claims by doing the following synthesis collections delete all of my credit reporting and tender me {$1000.00} made payable under my name and that they had 14 days of receipt of this letter in return sent me another bill XX/XX/year>! 


XXXX XXXX sent an email on XX/XX/XXXX about this alleged debt. I sent a debt validation letter on XX/XX/year> stating the fair deck collection practice act grant me the right to request validation of this debt and I am exercising that right in pursuant to 15 US C 1692G and I requested the name and address of the creditor, amount of debt and how it was collected, what the debt was for proof that they have legal right to the collection of this debt and proof that I am the party legally responsible for this debt. I also stated that until they Provide me with this information I expect all collection activity to cease and desist per 15 USC 16 2GC if they could not provide nor intend to provide this validation, please inform me in writing so I may take appropriate action to protect my rights! On XX/XX/XXXX, I received a phone call from unified global which violates my cease-and-desist!

Company response to consumer: Closed with explanation