Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I disputed the NCB Management Services account reporting on my XXXX and XXXX credit report in XX/XX/year>, requesting verification of its accuracy. However, the credit bureaus responded stating that the account was verified as accurate and updated without providing any proof of verification or proper debt validation. 

NCB never provided me with validation of this debt, yet continued to furnish information to the credit bureaus, violating multiple consumer protection laws. 

Discrepancies & Legal Violations : Failure to Provide Debt Validation ( FDCPA 809, 15 U.S. Code 1692g ) I have never received proper validation of this debt, including : The name and address of the original creditor. 
A contract proving obligation to pay the alleged debt. 
A complete chain of assignments showing legal ownership of this debt. 
An itemized breakdown of charges, interest, and fees. 
Legal Violation : NCB can not legally report or collect on a debt without first validating it. 

Inconsistent & Unverified Account Information Across Bureaus ( FCRA 623 ( a ) ) NCB has reported different information to multiple credit bureaus : Different DOFDs ( Date of First Delinquency ) across XXXX XXXX XXXX. 
Conflicting payment histories. 
Inconsistent balance reporting. 
Legal Violation : The FCRA requires information to be consistent and 100 % accurate across all bureaus. The reporting of different dates & balances makes this account unverifiable and inaccurate. 

Unauthorized Updates Without Proper Verification ( FCRA 611 ( a ) ) The credit bureaus updated the account without verifying the validity of the debt. 
Simply updating an account after a dispute without providing proof is a violation of my consumer rights. 
Legal Violation : Updating an account without a valid method of verification ( MOV ) is a direct violation of FCRA 611 ( a ). 

Failure to Establish Permissible Purpose for Credit Reporting ( FCRA 604 ) NCB has reported this collection account without proving their right to do so. 
I demand documentation showing NCBs permissible purpose for accessing and reporting my credit file. 
Legal Violation : If NCB can not prove they had a valid reason to report this debt, it must be deleted immediately. 

Failure to Cease Collection & Reporting Without Validation ( FDCPA 809 ) I demand that NCB cease and desist all collection activity, including reporting to credit bureaus, until full debt validation is provided. 
NCB has no right to continue collection efforts or damage my credit without first providing me with legally required documentation. 
Legal Violation : Any continued collection or reporting without validation violates FDCPA 809.

Failure to Notify Future Debt Collectors of My Dispute ( FCRA 623 ) If NCB sells or transfers this debt to another collector, they must inform them that this debt is currently disputed and remains unverified.

I demand written proof that this account has either been deleted or marked disputed permanently.

Legal Violation : If this account is transferred to another collector without notification of my dispute, NCB is in violation of FCRA 623.

Company response to consumer: Closed with explanation