Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
Subject : Inaccurate and Improper Credit Reporting by NCB Management Services Company Information NCB Management Services , Inc. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX Account Information Account Number ( last XXXX digits ) : * XXXX Date Opened : XX/XX/XXXX Original Delinquency Date : XX/XX/XXXX Balance Reported : {$8100.00} Date Reported : XX/XX/XXXX Status : Closed Collection Account Narrative Codes : 166, 057, 167, 283 Credit Bureaus Reporting : ( Check all that apply : XXXX XXXX XXXX ) Nature of Complaint I am filing this complaint because NCB Management Services is inaccurately and improperly reporting a closed debt account to the credit bureaus.

Specific Issues : 1. Inaccurate Balance and Status Despite the account being closed, the balance of {$8100.00} continues to be reported monthly with no payment activity, which misrepresents the true status of the debt.

2. Multiple Disputes Ignored or Mishandled I have disputed this account, both directly and via the credit bureaus. The data furnisher has marked the dispute as resolved ( code 283 ), yet the account remains inaccurate and unchanged. They are also reporting narrative code 167 ( Consumer disputes after resolution ), indicating that I did not agree with their response yet they failed to provide sufficient validation or evidence of the debt.

3. Failure to Properly Respond to Dispute Under FCRA Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to investigate consumer disputes and correct or remove inaccurate data. NCB Management Services has not fulfilled this obligation. The continued reporting is damaging and misleading.

4. Debt Age Misrepresented The original date of delinquency was XX/XX/XXXX. However, by continuing to update the date reported monthly without payment activity, the furnisher may be engaging in re-aging, which violates FCRA guidelines and can unfairly extend the accounts reporting period beyond the XXXX limit. 
Requested Action from CFPB : - Investigate NCB Management Services for inaccurate credit reporting and potential FCRA violations.

- Require them to provide full validation of the alleged debt ( including original creditor, full payment history, and a signed contract, if applicable ). 
- If unable to provide documentation, remove the account entirely from all credit reporting agencies. 
- Prevent any further re-aging or monthly balance updates to the account. 
- Ensure compliance with both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Supporting Documents Available ( if applicable ) : - Copies of my prior disputes to credit bureaus - Recent credit report showing continued reporting - Correspondence with NCB Management ( if any ) Certification : I certify that the facts stated in this complaint are true to the best of my knowledge, and I am requesting your urgent attention to this matter.

Company response to consumer: Closed with explanation