Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: MI

Complaint narrative:
Formal Reinvestigation Notice of Violations Fair Credit Reporting Act & Fair Debt Collection Practices Act I am writing again to dispute the inaccurate, misleading, and fraudulent information that NCB Management Services , Inc. has continuously reported on my credit file from XXXX to XXXX. 
Your actions constitute clear violations of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This letter serves as an official demand for corrective action and a warning of potential legal consequences should your company continue its deceptive practices. 

Violations Committed by NCB Management Services : 1. Failure to Validate the Debt with Fraudulent Contract Presentation : You have provided a baseless contract since XXXX that does not even bear your companys name in an attempt to falsely claim I owe you this debt.

2. Unlawful Attempt to Collect on a Non-Collectible Debt : The original creditor, XXXXXXXX XXXX charged off this debt and received a tax credit for profit loss, legally rendering the debt uncollectible. You knowingly purchased this debt for less than its original value in an attempt to unlawfully collect on it.

3. Violation of Dispute Investigation Requirements : Under the FCRA, you are legally required to REMOVE ALL inaccurate information if you are unable to validate from a consumers credit report. Despite being noticed, you have failed to do so.

4. Failure to Provide IRS Form 1099-C : By law, when a debt is charged off, I am entitled to receive the 1099-C form that XXXXXXXX XXXX submitted to the IRS. Your failure to provide this form further proves that this debt has been written off and should no longer be pursued.

5. Fraudulent Changes to My Credit Report : In XX/XX/XXXX, after I disputed the account, you changed its status from closed to open. 
Credit reports show inconsistent and manipulated dates : XXXX reports the account was closed on XX/XX/XXXX. 
Another report states the account was first delinquent in XX/XX/XXXX, yet you claim the account was opened two months later. 
In XX/XX/XXXX, you reported the account as in collectionsbefore the alleged opening date. 
You changed the first reported date multiple times ( e.g., from XX/XX/XXXX to XX/XX/XXXX ), and now in XXXX, you have removed all dates to avoid accountability. 

6. Unauthorized Collection Attempts & Privacy Violations : Your company repeatedly contacted me without my consent, violating my consumer privacy rights.

The sudden cessation of your calls, emails, and mailed notices further confirms that you were never authorized to contact me in the first place. 

7. Fraudulent Reopening of a Charged-Off Account : A charged-off account from XX/XX/XXXX can not legally be reclassified as an open collection account in XXXX. 
Your company removed the charge-off designation likely because you do not have the 1099-C form to validate the accounts status.

Demand for Immediate Action : Pursuant to the FCRA and FDCPA, I am demanding that you : Immediately delete this account from all three credit bureaus ( XXXX, XXXX, and XXXX ). 
Provide written confirmation that the account has been permanently removed from my credit report. 
Cease and desist all further collection attempts, including phone calls, emails, and mailed notices. 

Consequences of Non-Compliance : If you fail to take immediate corrective action, I will : File formal complaint with the my State Attorney Generals Office. 
Pursue legal action for damages resulting from your companys unlawful and deceptive reporting and collection practices. 
Report your companys ongoing violations to the credit bureaus to further document your non-compliance. 

Every credit report I have attached serves as undeniable proof of your deceptive and unlawful practices. They clearly expose how your company has been consistently inconsistent in reporting accurate information. The discrepancies across each report over the 4 years demonstrate your failure to maintain integrity in your reporting process. 

Each time I have disputed this account, you have repeatedly failed to address these inconsistencies. Instead of providing accurate and verifiable information, you continue to disregard the facts and neglect your legal obligation to remove this account. Your continued failure to resolve this issue not only violates consumer protection laws but also further proves your willful negligence in furnshing false and misleading information. 

This letter serves as the FINAL notice under the FCRA and FDCPA. You have 15 days from the date of receipt to respond in writing with confirmation that this matter has been resolved. Failure to do so will result in legal escalation.

Company response to consumer: Closed with explanation