Consumer complaint received 2025-06-05 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX Email : XXXX XX/XX/XXXX National Consumer Telecom & Utilities Exchange ( NCTUE ) XXXX  XXXX XXXX XXXX, GA XXXX RE : FORMAL DISPUTE OF INACCURATE INFORMATION & REQUEST FOR CORRECTION UNDER FCRA & XXXX To Whom It May Concern : I am formally disputing multiple inaccurate items on my consumer report that violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. These inaccuracies, which appear to originate from telecommunications furnishers, are also noncompliant with XXXX XXXX data furnishing standards. 



CONSUMER IDENTIFYING INFORMATION Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX, XXXX, LA XXXX Date of Birth : XX/XX/XXXX Last XXXX Digits of XXXX : XXXX Email : XXXX ACCOUNTS IN DISPUTE XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX accounts appearing under my name NATURE OF DISPUTE & VIOLATIONS XXXX. Duplicate Reporting Same furnisher listed multiple times with conflicting details, violating FCRA 607 ( b ). 
XXXX. XXXX XXXX Field Inconsistencies Account Status Codes, Payment Ratings, and Special Comments contradict CRRG standards. 
XXXX. Erroneous Date Fields Including inconsistent Date Opened, Date of Last Payment, and Date of First Delinquency. 
XXXX. Failure to Correct After Dispute Data remains uncorrected or partially updated in violation of FCRA XXXX ( a ). 
XXXX. Improper Inquiries Inquiries from XXXX XXXX and other entities are reported with future dates or multiple hits, violating 607 ( a ). 
XXXX. Incorrect Personal Data My correct XXXX is XX/XX/XXXX. Any deviation is a breach of maximum accuracy standards under 607 ( b ). 
XXXX. TILA Disclosure Failures Terms of account obligations are not clearly disclosed as required under 15 U.S.C. 1631 and 1637. 



DEMAND FOR ACTION Under FCRA XXXX and XXXX ( a ), I formally request : XXXX. A full reinvestigation of all accounts and inquiries in question XXXX. XXXX XXXX compliance audit of reported segments XXXX. Immediate correction or deletion of inaccurate items XXXX. Update of my personal identifying information XXXX. Removal of any unauthorized or outdated inquiries XXXX. Confirmation of OPT-OUT status under FCRA 604 ( e ) 7. Written notice of investigation results within 30 days, as required by 611 ( a ) ( 6 ) OPT-OUT & LIMITATION ON SHARING REQUEST I also exercise my rights under FCRA 603 ( d ) ( 2 ) ( A ) and 604 ( e ) to restrict : Use of my consumer file for prescreened offers Disclosure to affiliates or marketing partners Access to my file for non-permissible purposes Failure to comply may result in formal complaints to the Consumer Financial Protection Bureau and other regulators, as well as legal action to enforce my rights under federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation