Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: LA

Complaint narrative:
FROM : XXXX XXXXXXXX XXXX XXXX LA XXXX PERSONAL IDENTIFYING INFORMATION : LAST 4 OF SSN : XXXXDATE OF BIRTH : XXXXEMAIL : XXXX DATE : XX/XX/XXXX TO : EXCHANGE SERVICE CENTER - NCTUEXXXX XXXX XXXXXXXX, GA XXXX RE : FORMAL DISPUTE OF INACCURATE INFORMATION AND DEMAND FOR REMOVAL OF UNAUTHORIZED INQUIRIESCONFIRMATION # : XXXX To Whom It May Concern : Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am writing to dispute inaccurate information appearing on my consumer credit report maintained by your organization. This includes both account information and unauthorized inquiries that violate several provisions of the FCRA. I demand an immediate investigation and correction of these violations. 
SECTION I : DISPUTED ACCOUNTS AND VIOLATIONS DISPUTED ACCOUNT # 1 Account Name : XXXX XXXX XXXX XXXX XXXXAccount Number : XXXX * Reported Date : XX/XX/XXXX XXXX 2 Compliance Violations : 1. Account Status Code Misreporting : The account is reported with status Non-Pay Disconnect yet shows current balance activity dated XX/XX/XXXX, which is approximately two years after the disconnect date of XX/XX/XXXX. This creates an internal logical inconsistency in violation of XXXX Account Status Code requirements. 
2. Chronological Date Sequence Error : XXXX requires logical chronological date sequencing. The current balance date ( XX/XX/XXXX ) can not logically occur after the account disconnection date ( XX/XX/XXXX ). 
FCRA Violations : 1. 1681e ( b ) - Failure to Follow Reasonable Procedures : The continued reporting of current balance activity on a disconnected account constitutes a failure to maintain reasonable procedures to assure maximum possible accuracy. 
2. 1681s-2 ( a ) ( 2 ) - Duty to Correct and Update Information : The furnisher has failed to update and correct the account information to reflect its true closed status. 
DISPUTED ACCOUNT # 2 Account Name : XXXX XXXX XXXX XXXX XXXXAccount Number : XXXX * Reported Date : XX/XX/XXXX XXXXXXXX XXXX Compliance Violations : 1. Balance and Status Code Inconsistency : The account shows a substantial current balance ( {$2200.00} ) but a charge-off amount of {$0.00}, creating an illogical financial representation that violates XXXX guidelines. 
2. Date Reporting Discrepancy : The balance date ( XX/XX/XXXX ) occurs after the disconnect date ( XX/XX/XXXX ), which violates XXXX chronological reporting requirements. 
FCRA Violations : 1. 1681s-2 ( a ) ( 1 ) - Furnishing Accurate Information : The furnisher has provided contradictory information regarding account status, balance, and charge-off amounts. 
2. 1681i - Failure to Conduct Proper Investigation : The presence of these obvious contradictions suggests previous disputes were not properly investigated. 
SECTION II : DISPUTED INQUIRIES I hereby dispute the following inquiries that appear on my credit report as they represent violations of the FCRA : DISPUTED INQUIRY # 1 Company Name : XXXX XXXX XXXXInquiry Type : AR ( Account Review ) Inquiry Dates : XX/XX/XXXX, XXXXReason for Removal : These account review inquiries violate FCRA 1681b as they were made without permissible purpose. I have no current active account with XXXX XXXX, and these inquiries were conducted after I had a security freeze in place, violating 1681c-1. 
DISPUTED INQUIRY # 2 Company Name : XXXX XXXX XXXXInquiry Type : SR ( Score Request ) Inquiry Date : XXXXReason for Removal : This inquiry violates FCRA 1681b as it was made without my authorization or application for credit. Additionally, it occurred during the period when a security freeze was in place, violating 1681c-1. 
DISPUTED INQUIRY # 3 Company Name : XXXX XXXX XXXXXXXX XXXXInquiry Type : CONS RPT and NDInquiry Dates : Multiple dates between XX/XX/XXXX and XXXXReason for Removal : These excessive multiple inquiries ( 11 total ) violate 1681e ( a ) reasonable procedures requirements. The ND ( general inquiry ) listings lack permissible purpose under 1681b. All inquiries during the security freeze period violate 1681c-1. 
DISPUTED INQUIRY # 4 Company Name : XXXXInquiry Type : SR ( Score Request ) Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX, XXXXReason for Removal : These multiple score requests violate 1681b as they were made without my authorization or permissible purpose. I did not apply for services with XXXX during this period. 
SECTION III : FORMAL DEMANDS In addition to the investigation and correction of the above-disputed items, I hereby make the following formal demands : 1. IMMEDIATE REMOVAL OF ALL UNAUTHORIZED INQUIRIES : Remove all inquiries listed in Section II as they were made without permissible purpose and/or during a security freeze period. 
2. SECURITY FREEZE ENFORCEMENT : Strictly enforce the security freeze on my credit file pursuant to FCRA 1681c-1. I note that despite the freeze being in place, numerous unauthorized inquiries and updates have occurred. 
3. OPT-OUT REQUEST : Pursuant to FCRA 1681b ( e ), I opt out of all prescreening offers of credit or insurance. Additionally, under FCRA 1681a ( d ) ( 2 ) ( A ), I opt out of all information sharing with affiliates and third parties. 
4. CORRESPONDENCE METHOD : Send all future correspondence regarding my account and this dispute via postal mail only to my address listed above. Do not contact me via electronic methods, telephone, or any other means. 
SECTION IV : COMPLIANCE EXPECTATIONS I demand full compliance with this request within the 30-day statutory period mandated by the FCRA. Please be advised that failure to properly investigate, correct the inaccurate information, remove unauthorized inquiries, and comply with the above demands may constitute willful non-compliance under 1681n, potentially subjecting your organization to statutory, actual, and punitive damages, as well as attorneys fees and costs. 
I expect written confirmation of the results of your investigation, including verification that all disputed items have been corrected or deleted, unauthorized inquiries removed, and confirmation that my opt-out and security freeze requests have been properly processed. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation