Consumer complaint received 2025-11-26 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:
1. Complaint Summary I am submitting this complaint regarding multiple inaccuracies, reinsertion violations, cross-bureau conflicts, and late-payment/status defects on my credit report. I have also experienced identity-theft-related compromises affecting my credit file. Despite prior disputes, the following errors remain unresolved. I am requesting corrective action, deletion of unverifiable data, reinvestigation, and immediate implementation of security freezes and prescreen opt-outs. 

2. Accounts in Dispute & Issues 2.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bureaus Reporting : XXXX, XXXX Status : Open Balance : {$0.00} Dispute Basis : Inaccurate / Unverifiable / Identity-Theft 2 Reinsertion Review : Reinsertion Detected : YES Previously Deleted On : XX/XX/XXXX Issue : No 5-Day Notice Provided/ No Certification from Furnisher / Missing Reinvestigation Documentation 3 Cross-Bureau Conflicts : Terms : XXXX vs XXXX High Credit : {$100000.00} vs {$0.00} Date Last Reported : XX/XX/XXXX vs XX/XX/XXXX Account Missing at XXXX XXXX Late-Payment / Status Defects : 120-Day late paired with XXXX XXXX Charge-Off reported as Pays as Agreed Missing full payment history ledger Inconsistent XXXX markers XXXX XXXX Installment Loan Account # : XXXX XXXX XXXX XXXX XXXX  Bureaus Reporting : XXXX, XXXX Status : Closed / Paid Balance : {$0.00} Dispute Basis : Inaccurate / Unverifiable 2 Reinsertion Review : YES ( XX/XX/XXXX ) 3 Cross-Bureau Conflicts : Terms and balances mismatch between bureaus XXXX Late-Payment / Status Defects : Missing full ledger, inconsistent reporting XXXX XXXX Card Revolving Credit Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Bureaus Reporting : XXXX, XXXX Status : Derogatory Balance : {$10000.00} Dispute Basis : Inaccurate / Obsolete / Unverifiable XXXX Reinsertion Review : YES ( XX/XX/XXXX ) XXXX Cross-Bureau Conflicts : Conflicting balances & dates across XXXX XXXX Late-Payment / Status Defects : Charge-Off reported inconsistently XXXX Headway Cap Business Line Account # : XXXXXXXX XXXX XXXX Bureaus Reporting : XXXX  Status : Derogatory Balance : {$27000.00} Dispute Basis : Inaccurate / Mixed-File 2 Reinsertion Review : YES ( XX/XX/XXXX ) XXXX Cross-Bureau Conflicts : Not applicable ( single bureau ) XXXX Late-Payment / Status Defects : Account reported as Collection/Chargeoff, incorrect status XXXX XXXX Revolving Credit Account # : XXXX XXXX XXXX XXXX XXXX  Bureaus Reporting : XXXX, XXXX Status : Derogatory / Open Balance : {$2600.00} / {$0.00} Dispute Basis : Inaccurate / ID-Theft 2 Reinsertion Review : YES ( XX/XX/XXXX ) XXXX Cross-Bureau Conflicts : Conflicting balances & status XXXX Late-Payment / Status Defects : Charge-Off vs Open ; inconsistent reporting XXXX XXXX XXXX Installment Secured Loan Account # : XXXX XXXX XXXX XXXX XXXX  Bureaus Reporting : XXXX Status : Derogatory Balance : {$20000.00} Dispute Basis : Inaccurate / Unverifiable XXXX Reinsertion Review : YES ( XX/XX/XXXX XXXX XXXX Cross-Bureau Conflicts : Conflicting balances and dates XXXX Late-Payment / Status Defects : Missing full ledger ; inconsistent XXXX markers XXXX New Wave Card / WebBank Revolving Account # : XXXXXXXX XXXX XXXX Bureaus Reporting : XXXX Status : Derogatory Balance : {$0.00} Dispute Basis : Inaccurate / Obsolete XXXX Reinsertion Review : YES ( XX/XX/XXXX ) XXXX Cross-Bureau Conflicts : Missing account at XXXX XXXX Late-Payment / Status Defects : Reporting shows Collection/Chargeoff incorrectly XXXX. XXXX XXXX & XXXX XXXX I demand that the bureaus immediately place a full security freeze on my consumer file and implement a permanent opt-out from prescreened marketing offers. 

This includes : Written confirmation of the freeze and opt-out PIN/password for freeze management Downstream vendor notifications of corrections and freeze Suppression of my SSN and DOB Implementation of identity-theft blocks Failure to comply will be treated as FCRA noncompliance under 605B, 607 ( a ), and 611.

Company response to consumer: Closed with explanation