Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I moved out of a property called XXXXXXXX XXXX XXXXXXXX. During move out, I was required to pay final utilities fees, including XXXX fees, which totaled to {$450.00}. I paid all fees and received a confirmation notice of all final move out routines being completed in XX/XX/XXXX. On XX/XX/XXXX, I kept receiving invoices from XXXX stating that I had an unpaid balance. I emailed XXXX letting them know I paid off all the final utilities fees to XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX should reach out to them for the final confirmation receipt to confirm ( since I did not have a copy of it nor lived there anymore ). I also let them know that any unpaid balances I will be disputing since utilities were already paid to XXXXXXXX XXXX XXXXXXXX. XXXX responded saying that these charges were before I moved out, and that they will confirm my balance was paid off to XXXXXXXX XXXX XXXXXXXX and would reach out if any further concerns arise. XXXX never reach out and I never received another invoice. They never validated the debt nor reached out again about it until XX/XX/XXXX. 

Fast forward to XXXX  years later, in XX/XX/XXXX, I receive an email from XXXX stating they are going to report my unpaid balance {$450.00} to credit agencies. I email them back saying this was assumed solved in XXXX since their team never got back to me to confirm validity of the debt or provided evidence of their communication with XXXXXXXX XXXX XXXXXXXX. XXXX stated that I needed to reach out to XXXXXXXX XXXX  XXXX to obtain proof of the fees being paid, but I let XXXX know that it was their responsibility in XXXX to validate the balance, not mine, and I did my due diligence by reaching out to get it confirmed and disputed. I also let XXXX know the following : I am formally disputing the validity of this debt for the following reasons : -The amount in question was never confirmed or validated after my XX/XX/XXXX response. 
-I was never provided documentation following your stated inquiry with XXXXXXXX XXXX XXXX 
-I have received no evidence that such an inquiry was completed.

-I acted in good faith, responded promptly, and paid my final balance upon move-out. 
- I did my due diligence by responding to the unpaid balance and disputing it, redirecting them to XXXXXXXX XXXX  XXXX. 
-The current attempt to collect is based on an unresolved and stale claim, with no evidence. 

I am also requesting the following from XXXX : -Immediate written confirmation that this account is closed and resolved. 
-Full documentation of any findings from your XXXX inquiry with the property ( if available ). 
-A complete halt to all and any collection activity, including the upcoming XX/XX/XXXX inquiry, until this dispute is fully resolved. 

XXXX refused to close the account, resolve with XXXXXXXX XXXX  XXXX, or provide validity of the debt. They also refused to halt any collection activity, despite allowing a disputed account to sit dormant for XXXX years without resolution. Then attempting to collect it may constitute an unfair business practice under XXXX  law, especially when the consumer reached out attempting to resolve and dispute in XXXX when XXXX never responded or followed up until XX/XX/XXXX. 

Please read all emails and attachments for evidence. I've also attached payments to XXXXXXXX XXXX XXXXXXXX confirming that I paid my fees for the {$450.00} balance.

Company response to consumer: Closed with explanation