Consumer complaint received 2023-12-12
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent them a letter on XXXX requesting my full file disclosure per 15 USC 1681g ( a ) ( 1 ) and they never responded. I also requested to opt out, freeze their account and set up a fraud alert and they have ignored me.

FULL FILE DISCLOSURE REQUEST PURSUANT TO 15 US CODE 1681g ( a ) ( 1 ) XXXX XXXX c/o XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX Washington XXXX XX/XX/2023 Sent via US Mail NCTUE Disclosure Reports XXXX XXXX XXXX XXXX, GA XXXX To Whom it May Concern : I am writing to request that you send me EVERYTHING in my consumer file at NCTUE and any of NCTUEs subsidiaries and stored by any of its subsidiaries or any other entities maintaining data on behalf of NCTUE and its subsidiaries as of the date that you receive this notice regardless of the location it stored and how ; pursuant to 15 UC Code 1681g ( a ) ( 1 ). Please black out the first five ( 5 ) digits of my social security account number in all correspondence you send me to safeguard my privacy.

I am requesting the following additional items be sent to me in the same package : Pursuant to 15 UCS 1681g ( a ) ( 2 ), all sources of information in my consumer file at NCTUE and any of its subsidiaries.

Pursuant to 15 UCS 1681g ( a ) ( 3 ) ( A ), the identification of each person/company that procured a consumer report with my information from NCTUE and any of its subsidiaries.

Pursuant to 15 UCS 1681g ( a ) ( 3 ) ( B ), the name, trader name, address, telephone number, email of each person identified under 15 USC 1681g ( a ) ( 3 ) ( A ).

Pursuant to 15 UCS 1681g ( a ) ( 4 ), the dates, original payees, and amounts of any checks in my consumer file at NCTUE and any of its subsidiaries used to adversely characterize me.

Pursuant to 15 UCS 1681g ( a ) ( 5 ), a record of all inquiries received by NCTUE and any of its subsidiaries in the past one ( 1 ) year preceding the receipt of this request that identified me in connection with a credit or insurance transaction that I did not initiate.

This is a request for my full file disclosure to include all obsolete and archived information on me as permitted by the Fair Credit Reporting Act. This is my first full file disclosure report request for this calendar year from NCTUE and any of its subsidiaries. I am NOT requesting a copy of my credit report.

I trust that you will take this matter seriously and resolve it in a fair and expedient manner, but not later than 15 days from receipt of this request. I look forward to your immediate action and a prompt resolution.

I am freezing any account you have opened in my name, please add a fraud alert and I am opting out per 15 USC 6802. You or any of your affiliates do not have my permission to disclosure, share or report anything about me or any account. 

Sincerely, XXXX XXXX Enclosed please find a copy of my drivers license, SSN card, and my utility bill for the purpose of verifying my identity and nothing more.

Company response to consumer: Closed with explanation