Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: GA

Complaint narrative:
CFPB COMPLAINT Issue Summary I am filing this complaint because the nationwide consumer reporting XXXX, Experian, Equifax, and NCTUE ( c/o Equifax ) XXXX reporting inaccurate, outdated, and identity-theftrelated information in my consumer file. These errors include mixed-file indicators, identity-theftrelated records, improper hard inquiries, and cross-bureau discrepancies. These issues have resulted in credit denials and unfair negative scoring. 

I submitted formal disputes to each bureau, but they have not resolved the violations in compliance with the Fair Credit Reporting Act ( FCRA ). 

XXXX. Failure to XXXX Proper Reinvestigation FCRA 611 I disputed multiple inaccurate and unverifiable items. Instead of conducting a proper reinvestigation, the bureaus verified items without providing : Furnisher records Date of verification Method of Verification ( MOV ) Details of the investigation This is a violation of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

I am requesting that the CFPB ensure each bureau provides full MOV documentation or removes any unverifiable items.

2. Identity Theft Issues FCRA 605B I am a documented victim of identity theft. 
Under 605B, the bureaus must block all accounts, inquiries, or public records that resulted from identity theft. Some of these fraudulent items remain on my credit report, demonstrating noncompliance. 

I previously provided : FTC Identity Theft Report Police Report Proof of identity Highlighted items that are not mine I request full blocking of all identity-theftrelated items. 

XXXX. Unauthorized XXXX Inquiries FCRA 604 & 609 ( a ) My consumer file contains a list of hard inquiries I did not authorize. These creditors have not produced a permissible purpose or signed authorization. 

Examples of unauthorized inquiries include ( non-exhaustive ) : Credit unions Major banks Personal loan companies Auto lenders Retail card furnishers Under FCRA : 604 requires a permissible purpose 609 ( a ) ( 1 ) requires disclosure of the source 611 requires deletion if no evidence exists I requested that each bureau produce : Permissible-purpose documentation Signed authorization IP logs ( for electronic applications ) Any inquiry without proper documentation must be deleted or reclassified as a soft pull. 

The bureaus have not done this. 

XXXX. Cross-Bureau Reporting Inconsistencies FCRA 607 ( b ) Several items show inconsistent reporting between TransUnion, Experian, Equifax, and NCTUE. These discrepancies include : Status Balance Payment history Dates of first delinquency Account opening/closing dates Remarks Such inconsistencies indicate a failure to follow reasonable procedures to assure maximum possible accuracy as required under 607 ( b ). 

I request correction or deletion of any item that can not be uniformly validated across all bureaus. 

XXXX. XXXX XXXX by NCTUE NCTUE is reporting inaccurate data that does not match my identity or credit history. This includes : Outdated information Mixed-file data Possible identity-theft spillover from utilities/telecom accounts NCTUE has not corrected these issues XXXX formal notice.

Company response to consumer: Closed with explanation