Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: LA

Complaint narrative:
# XXXX XXXX DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XX/XX/year> NCTUE, XXXX. 
Attn : XXXX Department XXXX. XXXX XXXX XXXX, GA XXXX * * RE : XXXX XXXX XXXX Dispute and Request for Investigation * * * * Consumer Name : * * [ Your Full Name ] * * NCTUE File Number : * * [ Your File Number if available ] To Whom It May Concern : I am writing to dispute information that appears on my consumer file maintained by the National Consumer XXXX XXXX XXXX XXXX XXXX NCTUE ). After reviewing my consumer report accessed through the NCTUE Consumer Portal ( nctueconsumerportal.com ), I have identified two telecommunications accounts that are being reported with inaccurate information, as detailed below. 

# # ACCOUNTS IN DISPUTE # # # ACCOUNT # XXXX : - * * Furnisher : * * XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX TX XXXX ) - * * Account Number : * * XXXX ( partially masked in consumer portal ) - * * Service Type : * * Cellular Phone - * * Reported Status : * * " XXXX : Closed Account/Nonpay Disconnect '' - * * Last Reported : * * XXXX # # # ACCOUNT # 2 : - * * Furnisher : * * AT & T SERVICES XXXX ( XXXX XXXX XXXX XXXX XXXX TX XXXX ) - * XXXX Account Number : * * XXXX ( partially masked in consumer portal ) - * * Service Type : * * Cellular Phone - * * Reported Status : * * " N : Closed Account/Nonpay Disconnect '' - * * Last Reported : * * XXXX # # BASIS FOR DISPUTE I dispute the above-referenced accounts based on the following grounds : 1. * * XXXX XXXX Format Reporting Violations : * * The furnisher ( XXXX XXXX XXXX XXXX XXXX ) has failed to adhere to the XXXX XXXX Format requirements as outlined in the XXXX XXXX XXXX XXXX ( XXXX ). Specifically : - The Account Status Code " N '' indicating " Closed Account/Nonpay Disconnect '' is being used without proper verification and supporting documentation. 
- The furnisher has failed to report accurate Consumer Information Indicators as required by XXXX XXXX format. 
- The furnisher has not properly updated the information within the time frames required by the FCRA. 

2. * * Lack of Proper Notice : * * Prior to furnishing negative information to a consumer reporting agency, Section 623 ( a ) ( XXXX ) of the FCRA requires that the furnisher provide notice to the consumer. I did not receive proper notice that this negative information would be furnished to NCTUE. 

3. * * Age of Information : * * The accounts were last reported on XXXX, which exceeds the time frame for accuracy verification under FCRA Section 611. 

4. * * Failure to Conduct Reasonable Investigation : * * Upon information and belief, XXXX XXXX XXXX XXXX XXXX has failed to conduct a reasonable investigation into the accuracy of the reported information as required by Section XXXX ( b ) ( XXXX ) of the FCRA before reporting the accounts as closed due to non-payment. 

# # REQUEST FOR RELIEF Pursuant to the Fair Credit Reporting Act, XXXX XXXX. XXXX et seq., I hereby request that NCTUE : XXXX. XXXX a reasonable reinvestigation of the disputed items within 30 days of receipt of this dispute, as required by Section 611 ( a ) ( 1 ) ( A ) of the FCRA. 

2. Forward all relevant information regarding this dispute to XXXX XXXX XXXX XXXX XXXX within XXXX business days of receipt, as required by Section XXXX ( a ) ( XXXX ) of the FCRA. 

XXXX. Remove the disputed information if it can not be verified within the statutorily mandated timeframe. 

4. Provide me with written notice of the results of your reinvestigation, including a revised consumer report if any changes are made, as required by Section 611 ( a ) ( 6 ) of the FCRA. 

5. If the reinvestigation does not resolve the dispute, please include in my file a statement of my dispute and provide this statement to any person who receives my consumer report, as provided in Section 611 ( b ) of the FCRA.

# # SUPPORTING LEGAL AUTHORITY This dispute is made in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires consumer reporting agencies to " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' 15 U.S.C. 1681e ( b ).

The FCRA further requires that when a consumer disputes the completeness or accuracy of an item in their file, the consumer reporting agency must " conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. '' 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ). 

Additionally, the XXXX XXXX Format, developed by the XXXX XXXX XXXX XXXX ( XXXX ), establishes industry standards for furnishing accurate consumer credit information. Failure to adhere to these standards may constitute a violation of the furnisher 's duty to provide accurate information under Section 623 of the FCRA.

Please note that this letter serves as my written dispute under the FCRA, and this dispute must be properly noted in any disclosure of information related to these accounts to third parties. 

I appreciate your prompt attention to this matter and look forward to your response within the time frame specified by the FCRA. 

Sincerely, __________________________ XXXX XXXX * * Enclosures : * * 1. Copy of my identification 2. Copy of NCTUE XXXX Report showing disputed accounts XXXX. [ Any additional supporting documentation ] cc : Consumer Financial Protection Bureau Federal Trade Commission

Company response to consumer: Closed with explanation