Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
Dear CFPB, I am filing this formal complaint against MCB Management Services for unlawfully re-reporting an expired and disputed debt on my credit report, despite its removal years ago. This debt, originally disputed and resolved in XXXX and XXXX, has inexplicably reappeared on my credit report in XXXX without any new information, collection details, or a valid reason for its presence. 

Issue Details- The debt in question is reported by MCB Management Services for {$7300.00}. 
This item first appeared on my credit report in XXXX. I disputed it, and it was removed. 
Now, nearly eight years later, it has reappeared, even though the statute of limitations on debt reporting ( seven years ) has expired. 
My credit report states : Placed for collection Dispute resolved Reported by creditor, yet this account was supposed to be permanently removed years ago. 
No contact information, account number, or further details are provided, making it impossible for me to verify or dispute the item directly.Urgent Complaint Unlawful Reappearance of Expired Debt by NCB Management Services To Whom It May Concern, I am filing this formal complaint against NCB Management Services for repeatedly reporting an unverified and expired debt on my credit report, despite having no knowledge of ever doing business with this company. This debt was previously disputed and removed in XXXX, yet it continues to reappear every few years, without any supporting details or verification. 

NCB Management Services is in clear violation of the Fair Credit Reporting Act ( FCRA ) by reporting stale, time-barred, and unverifiable debt, which exceeds the legal reporting period under federal law. The statute of limitations for credit reporting is seven years, yet this company is continuously reintroducing the same debt, negatively impacting my credit and financial standing. 

Additionally, NCB Management Services has failed to provide any information about the nature of this debtthere is no account number, no creditor details, and no explanation as to why they are attempting to collect this amount. This practice is not only deceptive but also an abuse of the credit reporting system, as it continuously damages my credit history without justification. 

Resolution Sought : I am requesting that this fraudulent and inaccurate debt be permanently removed from all three credit bureaus ( XXXX, XXXX, and XXXX ) and that all derogatory remarks associated with this account be deleted immediately. Furthermore, I request that the CFPB investigate NCB Management Services for its ongoing violations of consumer protection laws. 

I appreciate your urgent attention to this matter, as these repeated actions are causing undue harm to my credit and financial reputation. 

Violations of Consumer Protection Laws MCB Management Services ' actions are a clear violation of my rights under federal law, including : Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c ) The FCRA prohibits consumer reporting agencies from reporting negative items that are more than seven years old. Since this item was originally disputed and removed in XXXX, it should not legally reappear in XXXX. 
Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692e ) Debt collectors can not misrepresent debts or attempt to collect debts beyond the statute of limitations. MCB Management Services is falsely reporting an old, resolved dispute in what appears to be an attempt to exploit my credit history. 
Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ) Re-reporting old debts after removal, without notice or verification, is an abusive debt collection practice. 
Steps I Took to Resolve the Issue I previously disputed this account multiple times in XXXX and XXXX, and it was removed. 
I have no record of this debt, nor have I received any documentation supporting its legitimacy. 
I was not notified before the debt was re-added, which is a blatant violation of my consumer rights.

Company response to consumer: Closed with explanation