Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
To Whom It May Concern : I am submitting this formal response and renewed complaint regarding CFPB Complaint No. XXXX, concerning unlawful, inaccurate, and harmful credit reporting by NCB Management Services , Inc. ( NCB ) , which has significantly damaged my financial standing and creditworthiness. 

Despite my previous written disputes and this open complaint, the information in question remains unlawfully on my credit report. NCB has reported an alleged account for which they are not legally licensed to collect in the XXXX of Texas, and which contains materially false informationincluding the loan start date and type of credit. 



I. Disputed Account Details : Furnishing Agency : NCB Management Services , Inc. 
Original Creditor : XXXX XXXX XXXX XXXX Account Balance Reported : {$6500.00} Date Opened ( Reported ) : XX/XX/year> Account Type : Automobile Loan This item must be deleted immediately due to multiple violations of federal and state law, and because of the verifiable absence of proper licensing for consumer debt collection in XXXX. 



II. NCB Is Not Licensed to Collect This Debt in XXXX  According to my independent verification via the XXXX XXXX XXXX XXXX, NCB Management Services , Inc. does not possess the proper license or authority to collect non-mortgage consumer debts in Texas. The company is only registered under XXXX XXXX  XXXX XXXX, which is categorically unrelated to automobile or personal consumer debt collection. 

Under XXXX XXXX XXXX XXXX, any third-party debt collector must be properly licensed and registered with the state to legally collect debts. Violation of this requirement constitutes unauthorized collection activity, making the reported debt null, void, and uncollectible under Texas law.

III. FCRA Violations & Reinvestigation Failures The continued presence of this entry on my credit reportdespite multiple disputes and no valid verificationconstitutes willful and negligent violations of the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681i ( a ) : Failure to properly reinvestigate the disputed information within the 30-day period.

15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible ac
curacy of information reported.

15 U.S.C. 1681s-2 ( b ) : Failure by the data furnisher to conduct a lawful and reasonable investigation after notification. 

To date, I have not received sufficient proof that the debt is valid, collectible, or legally enforceable. Therefore, continued reporting constitutes actionable noncompliance. 



IV. Legal Damages and Request for Compensation As a direct result of NCBs illegal furnishing of this information : My credit score has significantly decreased ; I have been denied access to financial products and credit-based opportunities ; I have experienced emotional distress and financial harm due to an inaccurate and unverified account. 

The balance of {$6500.00}, which NCB unlawfully reported to the credit bureaus, has contributed to substantial damage. I hereby demand that I be compensated in full for this amount as monetary damages, since this amount has caused a quantifiable decrease in my creditworthiness, impacted my financial life, and was based on a false and unlawful claim. This demand is supported under : 15 U.S.C. 1681n ( Civil liability for willful noncompliance ) ; 15 U.S.C. 1681o ( Civil liability for negligent noncompliance ) ; and XXXX XXXX XXXX XXXX ( a ) ( 2 ) ( Remedies for actual damages, costs, and attorneys fees for violation of Chapter 392 ).

V. Requested Action I formally demand the following actions : 1. Immediate deletion of the account referenced above from all consumer reporting agencies ; 2. Written confirmation of the deletion, along with an updated credit report ; 3. A complete description of the investigation process used to determine the continued reporting of the item, pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ; 4. Disclosure of NCBs license or authorization to collect debts in the State of XXXX such documentation exists ; 5. Compensation in the amount of $ XXXX to the falsely reported debtdue to the resulting damage to my credit profile and denial of fair access to financial services. 



VI. Supporting Exhibits The following documents are attached for your formal review : Exhibit A : Screenshot from the NMLS Consumer Access database, confirming NCB lacks valid licensing for debt collection in XXXX ; Exhibit B : Prior disputes submitted to the credit bureaus and CFPB ; Exhibit C : Current credit report showing continued reporting of the disputed item ; Exhibit D : List of incorrect personal information ( names and addresses ) also improperly reported and disputed.

VII. Final Notice Before Further Action If this issue is not resolved and the item is not removed within seven ( 7 ) business days, I will proceed with the following actions : File a formal complaint with the XXXX Attorney General Consumer Protection Division ; Notify the Federal Trade Commission of illegal debt collection activity ; Initiate a civil claim in state and/or federal court for actual, statutory, and punitive damages ; Request sanctions and regulatory review against NCB and any credit reporting agency that continues to furnish or retain this item. 

Thank you for your immediate attention to this serious legal matter. I trust that the CFPB will take appropriate and timely enforcement action in light of these facts.

Company response to consumer: Closed with explanation