Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
SUBJECT : FCRA Violations : Verify or Remove Credit Report Errors Now Address to discrepancies found in my recent credit report. Pursuant to the Fair Credit Reporting Act. Section 609 ( a ) ( 1 ) ( A ). It is imperative that all accounts listed on a credit report are thoroughly verified through physical validation of the original signed consumer contract. This verification process is essential to prevent the inclusion of fraudulent accounts, especially given the potential for submission via fax, mail, or email. 
As a paying customer for your reporting services, I insist on seeing Verifiable proof specifically, the original Consumer Contracts bearing my signature for the accounts outlines below. Failure to provide such documentation not only contravenes federal law but also compromises my ability to secure credit. According to the FCRA, unverified accounts must promptly be expunged from my credit report. Should you be unable to furnish me with copies of verifiable proof, it is incumbent upon you to promptly remove the accounts listed below : My concern regarding negative, unverifiable items on my credit report, which appear to be in direct violation of the Fair Credit Reporting Act ( FCRA ). Despite the requirement outlines in FCRA Section 609 ( a ) ( 1 ) ( A ) for verification through original consumer contracts, these items remain verified. I questioned why the bureau verified these items without obtaining the necessary documentation, as my rights under the FCRA have not been presented. It is imperative to rectify this violation promptly to ensure compliance with the FCRA and to maintain the integrity of my credit report. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence provided you fail to comply with this offer of settlement.

Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors I see you are disregarding it so heres my breakdown.

1. The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumers credit information is obtained, how long it is kept, and how it is shared with others including consumers themselves. 
2. What is an FCRA violation?

Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one persons information with anothers because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.

3. My rights under the Fair Credit Reporting Act a. Verify the accuracy of my report when it it required for employment purposes.

b. Receive notifications if information in my file has been used against me in applying for credit or other transactions c. Dispute and have the bureaus correct and delete information on my consumer report that is incomplete, inaccurate, and unverifiable.

d. Remove outdated, negative information ( after seven years in most case, 10 in the case of bankruptcy ) I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, UNVERIFIABLE, and INVALIDED. I recently applied for extended credit and was denied. I am in distress because of your mistakes. 
XXXX  XXXX XXXX - XXXX - ACCOUNT IS IN LITIGATION, FCRA Section 611 ( 15 U.S.C. 1681i ) Procedure for Disputing Accuracy of Information - I believe this account to be inaccurate because I do not recall doing business with this company. Your credit report agency is required to investigate my claims and you have yet to provide me with a solid proof of debt validation generally within 30 days. Since you have yet to do this, please remove this account from my consumer report immediately. This account is currently in litigation. Please delete this account from my credit report immediately. 
By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 US Code Section 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you, XXXX XXXX XXXX XXXX : Attorney General of California XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX : Comptroller of the Currency CC : Consumer Financial Protection Bureau XXXX : XXXX XXXX XXXX XXXX XXXX : Federal Trade Commission CC : XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, OH XXXX CC : State Senate CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  D.C. XXXX

Company response to consumer: Closed with explanation