|
3121128
|
2019-01-10
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
NCC Business Services, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2019-01-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-01-10
|
| Complaint What Happened |
To Whom it May Concern : NCC is furnishing inaccurate negative information to the credit reporting agencies in violation of the FCRA. On XX/XX/XXXX, I pulled my credit report in connection with applying for a mortgage. My credit report indicated a collection from NCC for a debt with an alleged date of first delinquency of XX/XX/XXXX that was assigned to NCC from XXXX XXXX XXXX on XX/XX/XXXX. This debt is not valid. I do not owe this debt and it is being reported illegally. I fully complied with my lease with XXXX XXXX and left my rental apartment in the same condition that I received it, per the terms of my leasing agreement. I did not owe any outstanding balance when my lease ended and I vacated the apartment. When I received a cleaning bill from XXXX XXXX, I contacted the management company ( XXXX ), as well as its Attorney, XXXX XXXX. I sent several emails attaching photographs of the apartment as I had left it and asking for evidence that the apartment required a cleaning fee for anything beyond normal wear and tear. XXXX XXXX provided no evidence to justify its bill despite our requests. My wife, an attorney, also left two voice mails for Mr. XXXX, as noted in the attached email chain.
Since XX/XX/XXXX until XX/XX/XXXX, I heard nothing from XXXX XXXX/ XXXX or NCC. I never received a debt validation notice despite the fact that my wife and I have had the same phone numbers and emails since XXXX.
As a result of NCCs inaccurate furnishing and other FCRA violations, I am suffering monetarily and emotionally. I am currently trying to get a mortgage and have been advised by my bank that this collection is negatively impacting my credit and resulting in a significantly higher interest rate. I need this invalid collection to be deleted from my credit reports immediately.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2749555
|
2017-12-08
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
NCC Business Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
You told them to stop contacting you, but they keep trying
|
| Sub Product |
I do not know
|
| Date Received |
2017-12-08
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-12-08
|
| Consumer Consent Provided |
N/A
|
|
|
2412885
|
2017-04-01
|
Disclosure verification of debt
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
NCC Business Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Right to dispute notice not received
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2017-04-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-04-19
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Collecting dept that I do not have knowledge of never receive a letter or phone call for this company I just now saw them on My credit report do n't have any knowledge with this
|
| Consumer Consent Provided |
Consent provided
|
|
|
1265288
|
2015-03-03
|
Improper contact or sharing of info
|
Debt collection
|
|
| Issue |
Improper contact or sharing of info
|
| Timely |
Yes
|
| Company |
NCC Business Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Contacted employer after asked not to
|
| Sub Product |
Credit card
|
| Date Received |
2015-03-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-03-03
|
| Consumer Consent Provided |
N/A
|
|
|
1242088
|
2015-02-17
|
Improper contact or sharing of info
|
Debt collection
|
|
| Issue |
Improper contact or sharing of info
|
| Timely |
Yes
|
| Company |
NCC Business Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Talked to a third party about my debt
|
| Sub Product |
I do not know
|
| Date Received |
2015-02-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-02-17
|
| Consumer Consent Provided |
N/A
|
|
|
1167767
|
2014-12-23
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
NCC Business Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
I do not know
|
| Date Received |
2014-12-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-12-23
|
| Consumer Consent Provided |
N/A
|
|
|
1130489
|
2014-11-25
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
NCC Business Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
I do not know
|
| Date Received |
2014-11-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-11-25
|
| Consumer Consent Provided |
N/A
|
|
|
1387916
|
2015-05-21
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
No
|
| Company |
NCC Business Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2015-05-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-05-21
|
| Complaint What Happened |
A debt collector claims i owe money for back rent at some housing complex in XXXX, NY that i know nothing about.
|
| Consumer Consent Provided |
Consent provided
|
|
|
849998
|
2014-05-13
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
NCC Business Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2014-05-13
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-05-15
|
| Consumer Consent Provided |
N/A
|
|
|
2418698
|
2017-04-04
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
NCC Business Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
I do not know
|
| Date Received |
2017-04-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-04-05
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3035460
|
2018-10-02
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
NCC Business Services, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Old information reappears or never goes away
|
| Sub Product |
Credit reporting
|
| Date Received |
2018-10-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-10-02
|
| Complaint What Happened |
I had an account in collection in XX/XX/XXXX. It was for a little over {$300.00}. I paid it off in XX/XX/XXXX. On my credit report it shows as paid in full, but I want it completely taken off my report. I called NCC Business Services but they refuse to take it off. What can I do?
|
| Consumer Consent Provided |
Consent provided
|
|
|
3301056
|
2019-07-09
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
NCC Business Services, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2019-07-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-07-09
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3236839
|
2019-05-09
|
Written notification about debt
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
NCC Business Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Other debt
|
| Date Received |
2019-05-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-05-09
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3062000
|
2018-10-31
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
NCC Business Services, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2018-10-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-10-31
|
| Complaint What Happened |
I called the company today to tried and get this fraudulent information removed they stated that the apartment complex never responded to the fraud request back in XX/XX/XXXX. I told the rep that as you are not able to verify this info to please remove it they told me they would not. I requested that the credit companies send over the police report filed. They have this information and are refusing to have the information removed from credit.I am at a crossroad.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3193516
|
2019-03-28
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
NCC Business Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Other debt
|
| Date Received |
2019-03-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-03-28
|
| Complaint What Happened |
I've made contact with the company more than once. The debt was result of an identity theft case in which the fraudster was caught and prosecuted where the debt was created ( a fraudulent apartment lease ). The company that created the lease using the fraudster 's fake ID and fake name ( which did not match my name on my credit file ), was present at the trial. They requested NCC Business Services stop making attempts to collect this debt in the amount of {$7100.00} for a lease that was abandoned and property damages. In XX/XX/2015 NCC provided me with a copy of the lease and ID, both in a fake name, and a fake ID of the young man who was charged in the District Court of Maryland XXXX County. Despite providing my driver 's license and the more than 20 fraud accounts that were created by this criminal, NCC Business Services remains the sole business that continues to attempt to collect and is damaging my credit file with this fraudulent account. I've contacted this business more than 10 times, providing all requested documentation, and yet they refuse to do the lawful thing. Please help.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2942129
|
2018-06-21
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
NCC Business Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2018-06-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-06-21
|
| Complaint What Happened |
NCC is calling my home and leaving messages over many months to collect a debt not owed by me or any of household members. I contacted them many times but they keep bothering me and leave voicemails for person who is not a member of my household. They fill up my voicemail with message and call with different names, location and fake caller ids.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2199917
|
2016-11-08
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
NCC Business Services, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
I do not know
|
| Date Received |
2016-11-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-11-09
|
| Consumer Consent Provided |
Consent not provided
|
|
