Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NCTUENational Consumer Telecommunications and Utility Exchange, Inc.XXXX. XXXX XXXXXXXX XXXX XXXXXXXX RE : WILLFUL VIOLATIONS OF FAIR CREDIT REPORTING ACT SECTION 605B ( c ) DEMAND FOR IMMEDIATE COMPLIANCE AND DAMAGES Confirmation # XXXX Account Reference : XXXX XXXX XXXX Account XXXX XXXX TO WHOM IT MAY CONCERN : This letter serves as formal notice that your organization has willfully violated the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically Section 605B ( c ) regarding identity theft blocking requirements. Your systematic failure to comply with mandatory federal law has caused substantial harm and exposes your organization to significant statutory liability. 


FACTUAL BACKGROUND On or about XXXX XXXX XXXX, I submitted a proper request under FCRA Section 605B ( c ) for blocking of fraudulent information resulting from identity theft, specifically regarding XXXX XXXX XXXX XXXX XXXX account # XXXX. I provided all required documentation as mandated by 15 U.S.C. 1681c-2 ( c ) ( 1 ) : 1. Appropriate proof of identity 2. Copy of identity theft report 3. Identification of fraudulent information to be blocked Instead of complying with the clear statutory mandate, your organization engaged in systematic violations of federal law. 

SPECIFIC FCRA VIOLATIONS VIOLATION # 1 : FAILURE TO BLOCK INFORMATION ( 15 U.S.C. 1681c-2 ( c ) ( 1 ) ) Legal Requirement : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency Your Violation : Despite receiving proper documentation, you completely failed to block the identified fraudulent information within the mandatory 4-business-day period or at any time thereafter.

VIOLATION # 2 : IMPROPER PROCEDURE SUBSTITUTION Your Error : You improperly processed my Section 605B ( c ) identity theft blocking request as a standard Section 611 dispute investigation, which are entirely different legal frameworks with different requirements, timelines, and remedies. 
Legal Significance : This represents willful disregard of clear statutory distinctions and demonstrates systematic non-compliance with FCRA identity theft provisions. 
VIOLATION # XXXX : BURDEN SHIFTING ( 15 U.S.C. 1681c-2 ( c ) ( 2 ) ) Legal Requirement : Under Section 605B ( c ), you must block first, then allow the furnisher to prove the informations accuracy through the unblocking process under subsection ( c ) ( 2 ).

Your Violation : You reversed this burden by requiring the furnisher to verify information before blocking, which directly contradicts the statutes plain language and purpose. 
VIOLATION # 4 : INADEQUATE NOTICE REQUIREMENTS Legal Requirement : Consumers must be informed of their specific rights under Section 605B ( c ).

Your Violation : You provided only Section 611 dispute rights while completely failing to explain identity theft blocking rights, creating consumer confusion and denying statutory protections.

VIOLATION # 5 : SYSTEMATIC NON-COMPLIANCE Evidence : Your standardized letters and procedures demonstrate you have no proper Section 605B ( c ) blocking process in place, indicating these violations are not isolated errors but systematic failures affecting multiple consumers. 
LEGAL CONSEQUENCES Your violations constitute willful non-compliance under FCRA Section 616, exposing your organization to : Statutory damages of {$100.00} to {$1000.00} per violation ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ) Actual damages including harm to credit and reputation Punitive damages for willful violations Attorneys fees and costs ( 15 U.S.C. 1681n ( a ) ( 3 ) ) Potential regulatory action by CFPB and FTC IMMEDIATE DEMANDS YOU ARE HEREBY DEMANDED TO : 1. IMMEDIATE BLOCKING AND REMOVAL ( Within 5 Business Days ) BLOCK all information related to XXXX XXXX XXXX XXXX XXXX account # XXXX from all consumer reports immediately REMOVE all references to XXXX XXXX XXXX XXXX XXXX account # XXXX from consumer reporting databases UPDATE consumer reports to reflect complete removal of this fraudulent account Provide written confirmation to me at the above address documenting : Date and time of blocking/removal Confirmation that account has been permanently deleted from reporting systems List of all entities that received reports containing this information in past 6 months Send corrective consumer reports to all parties who received reports containing this fraudulent information 2. CORRECTIVE NOTICES Send corrective notices to all entities that received consumer reports containing the blocked information Update internal procedures to properly handle Section 605B ( c ) requests 3. MONETARY COMPENSATION Pay statutory damages of {$1000.00} for willful FCRA violations Compensate actual damages including credit monitoring costs and time spent resolving your violations Cover all attorneys fees and costs associated with enforcing my statutory rights 4. POLICY CORRECTIONS Implement proper Section 605B ( c ) blocking procedures Train staff to distinguish between identity theft blocking and standard dispute procedures Provide written confirmation of policy changes TIME FOR RESPONSE This demand expires in 30 days from receipt. Failure to respond or provide adequate resolution within this timeframe will result in immediate legal action seeking maximum statutory damages, punitive damages, attorneys fees, and injunctive relief. 
Your violations are well-documented through your own correspondence and represent clear willful non-compliance with federal consumer protection law. The evidence of systematic procedural failures will support claims for enhanced damages and potential class action liability. 
PRESERVATION NOTICE You are hereby notified to preserve all documents, communications, policies, procedures, and electronic records related to : This consumer file and all related accounts Section 605B ( c ) blocking procedures and training materials All correspondence and internal communications regarding this matter

Company response to consumer: Closed with explanation