Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
I did not owe XXXX on the car and the amount is incorrect. Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Immediate Removal of Inaccurate and Unverifiable Information Under FCRA and FDCPA Dear Sir/Madam : I challenged items in my report and did my investigations. I request that you update the information on my report, which I have listed below. If you have not done so, place EXTENDED FRAUD ALERTS on my credit report. 

NCB XXXX XX/XX/XXXX Not Mine NCB XXXX XX/XX/XXXX Not Mine XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Not Mine XXXX XXXX XXXX XX/XX/XXXX Not Mine Inquires that need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am formally disputing multiple accounts and personal information entries on my credit report under my rights afforded by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. These items are inaccurate, unverifiable, or do not belong to me. I am demanding their immediate removal unless you can provide full validation with proper legal documentation.

1. Unverifiable Accounts / Debt Validation Request ( FDCPA 809, 15 U.S.C. 1692g ) There are accounts listed on my credit report that I do not recognize and dispute as erroneous or fraudulent. I demand validation of these debts, including : A signed contract or agreement bearing my signature Complete payment history and itemization of the debt Proof that the alleged debt is within the legal statute of limitations Documentation showing the original creditor and chain of ownership of the debt Failure to provide this information within 30 days constitutes a violation of the FDCPA, and the items must be deleted immediately. Furthermore, under FCRA 609 ( 15 U.S.C. 1681g ), I request full disclosure of all documents, sources, and account-related information reported to the bureaus.

2. Unauthorized or Inaccurate Personal Information ( FCRA 609 ) My report reflects outdated or incorrect addresses, phone numbers, and/or employer information that are not associated with my identity. These inaccuracies can contribute to fraud or mistaken identity. I demand that all unverifiable or outdated personal information be removed and that my current information be updated accordingly.

3. Inaccurate Late Payments ( FCRA 611, 15 U.S.C. 1681i ) Several late payments are listed which I dispute as inaccurate. You are required to verify these entries directly with the original creditor. If no evidence is produced within 30 days, they must be deleted. Please provide documentation proving : My authorization of these accounts Date-stamped payment records Correspondence sent to me about these delinquencies 4. Accounts That Do Not Belong to Me ( FCRA 611 ) There are accounts I have never opened, and I dispute them in full. I require : Original signed application ( s ) or contract ( s ) Statements showing use and activity by me Any fraud investigation records linked to these accounts Unverifiable or fraudulent accounts must be permanently removed and may not be reinserted without prior notice under FCRA 611 ( a ) ( 5 ) ( B ).

5. Request for 1099-C or Charge-Off Documentation ( IRS Requirement & FCRA 609 ) If any of these accounts have been charged off, I request IRS Form XXXX or equivalent documentation. If no form was issued, I request a statement clarifying the current status, ownership, and settlement details of the debt.

Summary of Demands : Immediate deletion of all unverifiable or unauthorized accounts Complete validation of any debt reported in my name Full documentation ( contracts, statements, XXXX, etc. ) Removal of inaccurate addresses, phone numbers, and employment info Application of a XXXX Extended Fraud Alert as authorized under FCRA 605A ( b ) Written confirmation that deletions or corrections have been made Please respond to this request in writing within 30 calendar days, as mandated by federal law. If you fail to respond or verify the disputed items. In that case, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals office. 






Respectfully, Sincerely, XX/XX/XXXX Name : Date ___________________________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation