Consumer complaint received 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint against the companies listed below as well as XXXX  and XXXX  regarding the unauthorized disclosure of my nonpublic personal information and the failure to remove identity theft accounts from my consumer report. This company 's actions have not only violated my privacy rights but also demonstrated a lack of concern for my well-being and the legal obligations outlined in the United States Code . I seek your assistance in resolving this matter and demand a fair settlement for the damages caused by their negligence. 
As a consumer, I engaged in business transactions with said companies. To my dismay, this company unlawfully sold my nonpublic personal information, including my social security number, account transactions, and balances, to consumer reporting agencies without obtaining my clear and conspicuous consent, as required by 15 USC 6802. By definition, this constitutes a violation of my privacy rights and establishes me as a victim of identity theft. 
It is crucial to note that, despite signing an application with these companies, I was never clearly informed or provided with a notice that complies with 15 USC 6803, which explains the disclosure of nonpublic personal information to third-party non-affiliated financial institutions. As a result, I have suffered significant harm, both financially and emotionally, due to the unauthorized disclosure and subsequent inclusion of fraudulent accounts in my consumer report. 
On XX/XX/2023, I reported this identity theft incident to the Federal Trade Commission, providing detailed information and evidence regarding the fraudulent accounts on my consumer report. Unfortunately, these companies have failed to take appropriate action in removing the disputed information, thereby violating the United States Code and disregarding the impact of their actions on my life.

I demand that the companies listed and the consumer reporting agencies involved promptly remove the identity theft accounts from my consumer report. Additionally, I seek a fair settlement for the damages caused by their negligence, which includes financial losses, emotional distress, and the time and effort spent rectifying this matter. Failure to comply with these demands will leave me with no choice but to pursue full legal action, which could result in significantly higher compensation, including punitive damages. 
I kindly request your intervention in this matter to ensure that my rights as a consumer are protected and that appropriate actions are taken against these companies for their violations. Please conduct a thorough investigation into their practices, emphasizing the urgency and gravity of this situation. 
Furthermore, I request your guidance and support in navigating this process and achieving a fair resolution. I appreciate your assistance in keeping me informed of any actions taken or progress made regarding my complaint. 
Thank you for your attention to this urgent matter. I trust that the Consumer Financial Protection Bureau will address this issue promptly and provide the necessary remedies to rectify the damages caused. 


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Company response to consumer: Closed with explanation