National Consumer Telecom & Utilities Exchange, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
09/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32904	Web
RE : *** DEMAND that all reported claims be supported by factual documentation that demonstrates their FULL TRUTH, ACCURACY, TIMELINESS, COMPLETENESS, PHYSICAL VERIFIABILITY, and VALIDITY. I also DEMAND adequate claim ( s ) adhere to CERTIFIED COMPLIANT REPORTING PROCESS ( es ) and follow the mandated reporting format, specifically the XXXX XXXX Compliant format standard. Finally, I demand that any reported deficiency or the failure ( or unwillingness ) to provide proof of each claim 's validity and certified compliant reporting result in the immediate DELETION of derogatory claims, if any exist. Compliant reporting of proven valid claims is not an option but a requirement for lawful and ethical reporting practices. ENSURE YOUR OF COMPLIANCE! PLEASE NOTE : I hereby declare that any reported Personal Identifier Information that does not exactly match the details provided above can not be certified as adequately true, correct, timely, complete, verifiably valid, or otherwise compliant with the necessary lawful reporting processes and the precise and complete adherence to the mandatory reporting format standard, specifically XXXX XXXX Compliant reporting. I contest any currently reported personal identifier information that falls into this category. Furthermore, I do not assume the factual validity or certified compliance of any associated delinquency events or derogatory claims reported. Therefore, I demand the immediate removal of any such deficient claim, regardless of its accuracy. I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence.
01/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	PA 151XX	Web
This complaint includes two related problems pertaining to the security freeze status of my NCTUE credit file. -Problem 1. Lack of freeze despite receiving a confirmation and pin in XX/XX/XXXX. On XX/XX/XXXX I used the nctue.com ( which linked to exchangeservicecenter.com ) website to place a freeze on my NCTUE credit file. To place the freeze I directly provided the requested information of : my first and last name, my DOB, my full SSN, my current address with a ZIP code of XXXX and my most recent previous address with a ZIP ode of XXXX where I last resided in XXXX. The information that I provided was accurate and contained no misrepresentations. At the completion of the process the website provided me with a .pdf document confirming my NCTUE credit file freeze with a date of XX/XX/XXXX and listing my name, my current address with a ZIP code of XXXX that I had provided during the freeze process and a pin number ending in XXXX. My address has not changed since my freeze request of XX/XX/XXXX. Believing the freeze of XX/XX/XXXX to be in effect for my NCTUE credit file I visited nctue.com on or about XX/XX/XXXX to explore my options for potentially temporarily removing the freeze on my credit file. At nctue.com ( which linked to exchangeservicecenter.com ) I directly provided the requested information of : my first and last name, my DOB, my full SSN and my current address with a ZIP code of XXXX. The information that I provided was consistent with the information that I provided on XX/XX/XXXX. After submitting the information the NCTUE service indicated that, " Your National Consumer Telecommunications and Utilities Data Exchange ( NCTUE ) Data report is not Frozen. '' This was surprising and concerning since I have nothing in my personal records to indicate that I ever requested to remove the XX/XX/XXXX freeze of my NCTUE credit file and I do not believe that I ever requested a permanent removal of the freeze. I believe that NCTUE may have failed to properly cause my freeze request of XX/XX/XXXX to come into effect or may have improperly lifted the freeze without my direct request and without notifying me. -Problem 2. Incorrect address shown on freeze confirmation of XX/XX/XXXX. On or about XX/XX/XXXX, now believing my NCTUE consumer report to be 'not frozen, ' I endeavored to place a freeze. I visited nctue.com ( ( which linked to exchangeservicecenter.com ) I directly provided the requested information of : my first and last name, my XXXX, my full SSN and my current address with a ZIP code of XXXX. The information that I provided was consistent with the information that I provided on XX/XX/XXXX and XX/XX/XXXX. After receiving the message, " Your National Consumer Telecommunications and Utilities Data Exchange ( NCTUE ) Data report is not Frozen '' I selected the option to " Place a freeze. '' At the completion of the process the website provided me with a .pdf document purporting to confirm my NCTUE credit file freeze with a date of XX/XX/XXXX and listing my name and a pin number ending in 10 but with an historical address with a ZIP code of XXXX where I have not resided since XXXX and which I did not provide during my freeze request. Presently, I am left to wonder if my freeze request has in fact been accomplished and why my historical address was used in the purported confirmation dated XX/XX/XXXX. NCTUE 's freeze process seems to me to be error-prone and unreliable.
09/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 325XX	Web
My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. ALSO, My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of Information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
12/12/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	WA 98512	Web
I sent them a letter on XXXX requesting my full file disclosure per 15 USC 1681g ( a ) ( 1 ) and they never responded. I also requested to opt out, freeze their account and set up a fraud alert and they have ignored me. FULL FILE DISCLOSURE REQUEST PURSUANT TO 15 US CODE 1681g ( a ) ( 1 ) XXXX XXXX c/o XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX Washington XXXX XX/XX/2023 Sent via US Mail NCTUE Disclosure Reports XXXX XXXX XXXX XXXX, GA XXXX To Whom it May Concern : I am writing to request that you send me EVERYTHING in my consumer file at NCTUE and any of NCTUEs subsidiaries and stored by any of its subsidiaries or any other entities maintaining data on behalf of NCTUE and its subsidiaries as of the date that you receive this notice regardless of the location it stored and how ; pursuant to 15 UC Code 1681g ( a ) ( 1 ). Please black out the first five ( 5 ) digits of my social security account number in all correspondence you send me to safeguard my privacy. I am requesting the following additional items be sent to me in the same package : Pursuant to 15 UCS 1681g ( a ) ( 2 ), all sources of information in my consumer file at NCTUE and any of its subsidiaries. Pursuant to 15 UCS 1681g ( a ) ( 3 ) ( A ), the identification of each person/company that procured a consumer report with my information from NCTUE and any of its subsidiaries. Pursuant to 15 UCS 1681g ( a ) ( 3 ) ( B ), the name, trader name, address, telephone number, email of each person identified under 15 USC 1681g ( a ) ( 3 ) ( A ). Pursuant to 15 UCS 1681g ( a ) ( 4 ), the dates, original payees, and amounts of any checks in my consumer file at NCTUE and any of its subsidiaries used to adversely characterize me. Pursuant to 15 UCS 1681g ( a ) ( 5 ), a record of all inquiries received by NCTUE and any of its subsidiaries in the past one ( 1 ) year preceding the receipt of this request that identified me in connection with a credit or insurance transaction that I did not initiate. This is a request for my full file disclosure to include all obsolete and archived information on me as permitted by the Fair Credit Reporting Act. This is my first full file disclosure report request for this calendar year from NCTUE and any of its subsidiaries. I am NOT requesting a copy of my credit report. I trust that you will take this matter seriously and resolve it in a fair and expedient manner, but not later than 15 days from receipt of this request. I look forward to your immediate action and a prompt resolution. I am freezing any account you have opened in my name, please add a fraud alert and I am opting out per 15 USC 6802. You or any of your affiliates do not have my permission to disclosure, share or report anything about me or any account. Sincerely, XXXX XXXX Enclosed please find a copy of my drivers license, SSN card, and my utility bill for the purpose of verifying my identity and nothing more.
09/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90063	Web
How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. Furnish information about accounts or other relationships with a consumer that is accurate. XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48309	Web
How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.
08/18/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30349	Web
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, TELECOM XXXX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. TELECOM XXXXD Account Number : XXXX & XXXX As a consumer by law this account must be deleted immediately. Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. TELECOM XXXX Account Number : XXXX & XXXX As a consumer by law this account must be deleted immediately. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge. On the date XX/XX/2022 XXXX XXXX, agent, XXXX XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
08/31/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30080	Web
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, UTILITY SELF-REPORTED failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. UTILITY SELF-REPORTED Account Number : XXXX XXXX As a consumer by law this account must be deleted immediately. Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. UTILITY SELF-REPORTED Account Number : XXXX XXXX As a consumer by law this account must be deleted immediately. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge.
08/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	CO 80222	Web	Older American
I would like the National Consumer Telecom & Utilities Exchange ( NCTUE ) investigated. I am unable to get in contact with them. Perhaps they are a shell company set up for some illegal tax scams??? My efforts to contact them are useless! In an effort to help prevent identity theft, my wife and I tried to get various credit reports frozen. We contacted NCTUE to freeze our NCTUE credit reports that they have on file for us. We expected them to respond with a PIN # to unfreeze our credit reports if ever needed. Our efforts to get any kind of communication from this company failed again and again. Perhaps they are criminals hiding something. Perhaps they are super incompetent in performing their basic clerical jobs. I dont want to be narrow minded and think out of the box a little ; perhaps they both incompetent and criminals. On or around XX/XX/2019, I tried freezing our credit report by using their website ( https : //www.exchangeservicecenter.com/freeze ). Their website for accomplishing a freeze DID NOT WORK. On or around XX/XX/2019, I tried freezing our credit report by using their telephone number ( XXXX ). This telephone number to freeze things DOES NOT WORK. On XX/XX/2019, I sent to them two letters via certified mail requesting a freeze of our credit reports. According to my local U.S. Post Office, at least one letter ( probably both letters ) was delivered to them on XX/XX/XXXX at XXXX XXXX. The two separate certified mail letters ( one for me, one for my wife ) provided our names, our signatures, address, date of births, social security numbers, home telephone number, e-mail addresses and a copy of a recent utility bill. In the letters I warned them that their website and telephone number to freeze a persons account were not working properly. I told them using the U.S. mail system may finally be the only way to contact them. They have NOT responded as of XX/XX/2019. I dont believe in an eye-for-an-eye. If someone takes my eye out, Im probably going to take their head off, just to make the world a little better place. Maybe the NCTUE has lost our personal information, and that information is now available to identity thieves. Of course, I could always travel directly to the NCTUE headquarters in XXXX, Georgia and let my physical presence make it very clear what needs to be done. They better think about it, smarten up, and start responding to consumers. Duh! Whoever you are at the NCTUE, wake the XXXX up!!!! Youre welcome.
09/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 333XX	Web
Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! The reports are not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
07/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30909	Web
In accordance with the Fair Credit Reporting Act, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information. 15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy. 15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from XXXX XXXX XXXX XXXX, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on XXXX date.
08/31/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30080	Web
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, TELECOM XXXX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. TELECOM XXXX Account Number : XXXX XXXX XXXX XXXX As a consumer by law this account must be deleted immediately. Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. TELECOM XXXX Account Number : XXXX XXXX XXXX XXXX As a consumer by law this account must be deleted immediately.
08/18/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	LA 700XX	Web
I received a call from a New York number claiming to be a process serving company and stated that I needed to call another number before I was served with a civil complaint lawsuit. When I called the number it turned out to be XXXX XXXX I spoke to a young lady who claimed I had a pending lawsuit in their office. I asked how I had a lawsuit from them and she its through XXXX ( SP ). I informed her I didnt know who XXXX was and she named off various communication companies they served. I then asked her how I owed them money and she said I owed it XXXX but if I didnt want to resolve it I could just wait to be served by my county. When I questioned her about the validity of the company she hung up on me. When I called back and asked to speak to a supervisor I spoke to a XXXX XXXX who claimed to be the manager of the young lady I was just speaking to. I asked her the same questions and she told me they did not have any of the information to verify I had an outstanding debt. When I asked when this debt occurred she said she did not receive that information. I informed her that I was told they were a law office and they were the ones filing the lawsuit. I again asked her when the lawsuit would be filed because I should have the right to know if someone is filing a lawsuit against me. She said I would have to wait until I was served and hung up. The third time I called I spoke to XXXX XXXX who also claimed to be a supervisor. I also asked him to provide me with something stating the validity of the debt and he claims that it was sent out on XXXX XXXX XXXX and was scanned at my mailbox before it was delivered. I informed him that I in fact never received it and asked him to resend me something in writing and he said he was unable to do so because I didnt respond within the 30 days. I asked him when the debt was established and he said XXXX XXXX XXXX and was open for six years. I informed him that I never had any phone service active for six years and I would like to see some proof that this debit is legit. He again stated that it was delivered over 45 days ago and he would not hold my account open another 3-5 days.
09/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 61704	Web
I am writing to formally request that you promptly remove any claims that have been reported in a manner that is non-compliant and unfair to me. This correspondence serves as my official consumer complaint, wherein I contest the accuracy of the claims included in your notice and challenge you and any other data repositories involved to provide irrefutable evidence that each claim was made in strict compliance with the mandated XXXX XXXX Data-filled Field Formatted reporting standards, including the requirements of fairness, truthfulness, correctness, timeliness, verifiability, and validity. While I do not dispute the validity of the claim itself, nor do I acknowledge it, I do have serious concerns about the adequacy of its reporting, given that federal law mandates that any claim must be reported with the utmost accuracy and completeness. As per CRRG 3-4, I believe that the integrity of the claims reported by you is questionable at best and therefore potentially unlawful. I respectfully request that you take immediate action to investigate this matter thoroughly and provide me with a satisfactory resolution that upholds the principles of compliant reporting practices and procedures. It is imperative that you immediately and permanently adhere to federal and state reporting regulations in a factual and undeniable manner. The XXXX, responsible for creating the manual for reporting standards, has established requirements for compliant reporting practices and adequate, complete, and verifiable data submissions, and concluded that any deviations from these standards jeopardize the integrity of the data. Your reporting practices are questionable and do not meet even the minimal requirements for the privilege to report. You had the opportunity to report in a manner that is certifiably compliant, but your deviations suggest otherwise. As such, I contest your reporting privileges and challenge you to prove each and every aspect of requisite reporting and adhere to all required adequate practices. I demand that you remove from reporting exactly as I have requested immediately.
06/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 322XX	Web
In accordance with the Fair Credit Reporting Act, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information. 15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy. 15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-2, 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.
10/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OR 97223	Web
My name is XXXX XXXX and I work for XXXX XXXX, an identity theft protection service. Since XX/XX/2019, we have acted as Power Of Attorney for XXXX XXXX. XXXX is a victim of identity theft and one of the actions the identity thief took was opening a XXXX account on XX/XX/2019 under XXXXXXXX XXXX name and SSN. On XX/XX/2019, via a conference call to XXXX, XXXX and I made XXXX aware that the account was opened fraudulently in XXXX 's name. XXXX has since cleared the account as fraud on their end, and have provided ticket # XXXX as confirmation, yet the account and two associated inquiries are still showing on the National Consumer Telecom & Utilities Exchange. I sent a dispute to XXXX and the National Consumer Telecom & Utilities Exchange on XX/XX/2019 and then again on XX/XX/2019. In both cases I sent power of attorney, proof of address spanning many months, drivers license, W-2 as proof of social security number, police report, and FTC ID theft affidavit. These were mailed by the post office. I am attaching them to this Consumer Financial Protection Bureau complaint. On XX/XX/2019 XXXX left a VM for me confirming they received a complete fraud dispute packet and an investigation has started. Both disputes to the XXXX XXXX XXXX XXXX XXXX XXXX were replied to by simply sending me a credit report and confirming a fraud alert was added. The removal of the fraudulent XXXX records was not completed and no explanation was provided. On my second request, I advised it was my second request, and that if necessary, my third request would be sent to them through the Consumer Financial Protection Bureau. On XX/XX/2019 the XXXX XXXX XXXX XXXX XXXX XXXX sent another credit report and it still shows XXXX inquiries and a delinquent account with XXXX. These need to be removed as they are a result of fraud and I have provided all necessary documents to clear it as such, as early as XX/XX/2019. Both the XXXX XXXX XXXX XXXX XXXX XXXX and XXXX needs to review their fraud handling process.
04/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	CO 804XX	Web
Today XX/XX/2021, I received a letter from the XXXX XXXX XXXX XXXX XXXX XXXX stating that " within the last 12 months we have at least one report that added negative information to your NCTUE file '' and that I have the right to obtain a free copy of my file from them. I contacted the phone number they listed on the card and was answered by an automated system. I followed the prompts, and the system said my request could not be completed. I tried again and got the same result. I tried again and clicked 0 in the hopes I would get a representative, but that line seems to only be automated. It gave me instructions to mail a request to the company to receive my free copy. Those instructions were to send a copy of my social security card, a copy of my drivers license, a copy of my utility bill, my DOB, and a list of the addresses I lived at in the last 5 years. To be frank, because their system could not complete my request over the phone, I am already worried that the NCTUE has collected fraudulent information on me, and I will not open myself up to more fraud by sending sensitive documentation to them through the mail. Because of this, I really need to get in contact with a real person at the company, not just their limited automated system. I did try to reach them in other ways. Their letter stated they are managed by XXXX but are not owned by XXXX, so I called XXXX to see if they could direct me to a NCTUE representative, but they only gave me a phone number that went to XXXX XXXX XXXX, who did not pick up the phone. I would like to receive my free report ASAP in order to counteract any fraud being committed against me, and I would like to do so without sending them a copy of my Social Security card. I have never heard of this company before and don't trust them to dispose of it properly, especially given their poor service so far. I also think this could have been easily resolved if they had made a representative available.
07/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KS 66605	Web
On XX/XX/20 I sent correspondence to XXXX XXXX XXXX-NCTUE stating that I was a victim of identity theft ( XX/XX/XXXXSigned Copy_Identity Theft Letter to Credit Bureau_NCTUE ) The letter was sent certified mail return receipt with tracking # XXXX, and was in NCTUEs possession as of XX/XX/20 ( USPS tracking Results ). The letter explained to NCTUE that I am a victim of identity theft, and that the accounts listed in my consumer report should be blocked pursuant to section 605B of FCRA. This letter also contained the following enclosures : Research Request Form, A copy of my Identity Theft Report, Identity Theft Affidavit, Victim Authorization to Law Enforcement, Proof of my identity, Police Reports NCTUES, stated, in an email, dated XX/XX/20, Thank you for submitting your dispute to the XXXX XXXX XXXX. XXXX XXXX XXXX XXXX has started processing your dispute request for your telecom and utilities exchange data report for the referenced Confirmation Number. This matter is NOT a dispute under the provisions of FCRA 611, and is a block under the provisions of FCRA 605B As required by FCRA 605B ( 15 U.S.C. 1681c-2 ) NCTUE is required to block the reporting of any information in my consumer credit file that I have identified as resulting from identity theft, not later than four business days after receiving ( 1 ) appropriate proof of identity, ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Despite the FCRA 's requirement, NCTUE has failed to block the reporting of fraudulent information and is relying instead on the same verification procedures it uses for common disputes.
03/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 926XX	Web
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX XXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXX XXXX - XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX
03/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MT 59718	Web
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX
06/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	GA 30324	Web
I sent a written request to the National Consumer Telecommunications and Utility Exchange , Inc. asking for my consumer report and numerical score, as allowed under the FCRA. On XX/XX/XXXX I received XXXX letters from the NCTUE. XXXX contained my report ( Conf # XXXX ) ( which had errors, but has since been corrected ) ; the other ( Conf # XXXX ) did not contain my requested numerical score, but instead a letter claiming, Based on the contents of your NCTUE data report as of XX/XX/XXXX, your score is unavailable. In order to calculate a score, the NCTUE data report must contain at least XXXX account showing an update in the last XXXX months. I found this odd, as the very NCTUE consumer report they mailed the very same day as the denial letter included an account that had been updated numerous times within the past XXXX months. So. On XX/XX/XXXX, I again mailed NCTUE a letter requesting my numerical score. I included a highlighted copy of the consumer report they issued ( which clearly indicated my monthly power bill amount as well as my monthly payment for each of the XXXX previous months. ) More than simply sending highlighted copies, I also wrote in great detail a note explaining how theyd made a mistake. Today, I received a response dated XX/XX/XXXX with a confirmation number XXXX. It AGAIN claimis I have no score because my account reflects no activity within the past XXXX months. No mention of my letter, no explanation why theyre ignoring my actively reporting utility bill, just another ( wrong ) denial letter. NCTUE included no contact number. Every one I find online leads to an automated system that makes it impossible to address my concern.
06/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CO 81005	Web
My credit report was accessed by someone attempting to open a fraudulent credit account ... .... XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, SD ), after contacting XXXX for my credit information The inquiry caused my current XXXX Card to send me a fraud alert ( which we did sign up for several years ago ). I contacted XXXX XXXX and got the information about the inquiry through XXXX. XXXX operates through XXXX. I had placed a security freeze through XXXX after a fraudulent credit card attempt using them over two years. The XXXX XXXX fraud alert services and the XXXX freeze allowed me to observe this latest fraud attempt... .they also recommend freezing credit through other agencies and filing a fraud report to the FTC . I now plan to freeze my credit through XXXX and XXXX but also found out in this process that many other consumer reporting agencies exist like XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX that participate in offering or selling credit information for any and all credit inquiries as well ... ... .I believe a security alert/ credit freeze due to fraud for one institution should be issued for all agencies simultaneously ... ... .and maybe these agencies could more diligent in safe guarding consumer information without placing the burden on the consumers themselves. Additionally, the USPS also contacted me with a change of address request that I did not make. I had to go through many steps to acknowledge and cancel the request through the USPS. I believe the Identity thieves are using USPS change of address request forms in a series of steps to steal consumer identities through the many credit companies and issue fraudulent credit cards
03/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70117	Web
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX {$96.00} XX/XX/XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXX
03/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	CA 94116	Web
I went to their web NCTUE to freeze my utility credit report, I went through the whole process, I froze my credit report, and their web site did not provide me with the pin number that allows me to unfreeze or refreeze my credit report. I talked to one of the representatives after this failed, by phone, and she gave me instructions that I needed to mail in a copy of my social security card and drivers license along with my contact information, requesting that they send me my pin number by USPS mail. I sent the information in as well as applied tracking at the post office to confirm that they received my request, I checked several days later on the USPS website I received confirmation from the USPS website that my letter was received by NCTUE. That was on XX/XX/2020, since I haven't received the pin number requested via USPS mail and can not reach them by phone I'm making a complaint. It's impossible to reach to reach a human being, that their phone tree is convoluted, and ultimately hangs up on you instead of connecting you to a person who can help or provide the needed information. As of XX/XX/2020, The company in question responded to my first complaint from CFPB. They claimed they were going to send the requested pin number via USPS but sent the information to the wrong address and person. They can't seem to handle the most basic of requests. I feel like my credit information is being held captive. Their customer support personal ask the most vague, broad, convoluted questions, in an attempt to verify your identity over the phone, that no one would know the answer to. It is an exercise in the absurd.
09/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32216	Web	Older American
I am writing to bring to your attention some discrepancies in my credit report that I believe may be inaccurate or misplaced. I am respectfully disputing these claims and kindly requesting that any negative information be removed from my report. I understand that it is crucial for credit reporting agencies to adhere to mandatory reporting standards, and I am confident that you will work towards this goal. I request that you provide me with the physical proof to back up any allegations made against me, and that you comply with the reporting requirements set out in 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ). I am aware that any inaccuracies or deviations from these standards can have significant implications for both federally regulated reports and Metro 2 compliance standards. Therefore, I urge you to investigate the validity of the inaccurate items in my report and either replace them with accurate ones or delete them altogether. I understand that mistakes can happen, but I trust that you will conduct reasonable investigations of consumer disputes and ensure that the information in my credit report is both accurate and complete. I kindly ask that my rights are protected and that you comply with the highest standards of certified reporting. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	PA 19082	Web
I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never given proper disclosures or the ability to opt out of my info being shared. I have not benefited from any of these transactions. I believe I am a victim of Identity theft. Please block, delete, and remove them immediately from my consumer report. Also, I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case!
09/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	MO 641XX	Web
On XXXX XXXX, 2017, I discovered a fraudulent tradeline from a collection agency originating from " XXXX XXXX '' I also noticed two names and a phone number I have never used on my credit report, so I completed an FTC Identity Theft Affidavit ( and police report ). The FTC provided me with an identity theft action plan, which included requesting my free credit report from the National Consumer Telecom & Utilities Exchange ( NCTUE ), because of the fraudulent XXXX account. On XXXX XXXX, XXXX, and every day thereafter ( including weekends and off peak hours, such as XXXX. ) I have attempted to use NCTUE 's phone numbers to request my credit report. On the best of occasions, I get to the point where it says it is ordering my Credit Report and then it says it can not process the request. NCTUE 's website does not permit me to directly request/access my credit report. NCTUE 's website does provide a mailing address to request this information ; however, it does not provide any indication as to WHAT is required for me to send to actually get my credit report. Given the lack of security surrounding CRAs right now, I do not want to send more information than necessary. NCTUE has no way for me to verify what information they need and the phones are not working. I am the victim of identity theft and need this report, but can not obtain it from NCTUE.
07/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	NV 89128	Web
Regarding closed complaint # XXXX On XX/XX/XXXX I received a letter from the National Consumer Telecom & Utilities Exchange stating that " within the last 12 months we have at least one report that added negative information to your NCTUE file '' and that I have the right to obtain a free copy of my file from them. Per my first complaint, I tried repeatedly to contact them unsuccessfully. Once I filed my initial complaint on XX/XX/XXXX, XXXX at the NCTUE contacted me by phone to figure out what was going on. We went back and forth. She couldn't find anything. I emailed her a copy of the notice on XX/XX/XXXX and a smaller copy of the notice on XX/XX/XXXX because my 2MB photos were too large for her email system to take at first. We went back and forth again, and she said she would send the copy of the notice to her bosses to figure out. I was patient and waited. On XX/XX/XXXX, I emailed her again to ask for an update. I never heard back. Are you sure NCTUE is a real company? I am concerned that this random company has my SSN, DOB, and full name and info, which I gave her to help find my information in her system to find out why I was sent that notice. Because of this, I am deeply concerned by her lack of follow-up.
09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28590	Web
Investigation Request to Delete reported data NOT certifiably COMPLIANT and PROVEN VALID and/or not documented as fully true and PHYSICALLY VERIFIED! Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( XXXX ) to do so, that you DELETE all information that is deficient of any condition. I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. XXXX \| XXXX - {$360000.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX \| XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( ALL BUREAUS ) XXXX \| XX/XX/XXXX ( ALL BUREAUS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
01/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	PA 152XX	Web
I entered my information for utility account freeze to protect my credit. However, after I entered the information online I did not receive a 10-digit pin that is required to unlock/change options and it just went ahead and froze my information. The company does not have an answering phone and there is no email address to get help. I followed their instructions, reluctantly because it required sending my personal information ( name, address, dob, ss #, and 2 identifying documents - electric bill and pay stub ). I sent this information on XX/XX/XXXX via US mail to : Exchange Service Center XXXX XXXX XXXX XXXX, GA XXXX I requested a 10-digit pin as well as requesting they unfreeze my information if they were able to do so. As of today, XX/XX/XXXX, I have not received a pin, have no idea if they received the information I sent, or if it is being processed. It has now been more than 2 months since I mailed my personal information. Because there isn't an answering phone number or email I am unable to follow-up to determine if they received it and the status. I just want my pin to cancel my relationship with NCTUE and unfreeze my credit.
09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33313	Web
I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards. I would like to make it clear that I am aware that you can not force me to interact with you in any way without legal authority or a written agreement between us. If you continue to harm me, it will be considered harassment or even extortion, which is a criminal offense in my state of residence. Any such behavior will compel me to take appropriate legal action. Therefore, I request that you rectify any fraudulent or deceptive practices related to my current consumer credit profile history by removing any delinquent reported items.
09/20/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CO 80920	Web
I received a " Data Report '' from NCTUE ( National Consumer Telecom & Utilities Exchange ) dated XXXX XXXX, XXXX, that erroneously showed a late payment to XXXX. I contacted XXXX XXXX XXXX, XXXX and confirmed that there was no such late payment. XXXX representative told me that I needed to initiate a dispute with NCTUE to fix the report. The same day ( XXXX XXXX ), I mailed a certified letter to the NCTUE dispute address listed on the Data Report. On XXXX XXXX, I received the receipt from the USPS indicating that the certified letter was delivered and signed for. On XXXX XXXX, XXXX ( over 30 days after the receipt of the dispute letter ), I called the NCTUE customer service line ( having received no updates since I mailed the certified letter ). I spoke with an agent, and that agent 's supervisor ( supervisor employee ID # XXXX ). They said that no dispute process had been initiated. They promised to start the dispute process over the phone, but could not provide any confirmation number due to their " system being down ''.
12/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AZ XXXXX	Web
NCTUE claimed they could not open the file I submitted via CFPB and requested I email a copy of the dispute even though I had physically mailed in a copy of my dispute letter via USPS. NCTUE claimed I did not respond to them and closed my previous CFPB dispute. However, I had previously informed NCTUE representative via phone that a physical dispute letter was mailed in. Furthermore, I responded to the email request by NCTUE notifying them of this once again and recieved a " XXXX XXXX '' email in response. The disputed account ( s ) remain on my report and are inaccurate, incomplete and are not mine. I am once again including a copy of the disputed accounts in this complaint and have sent via email a copy of original disputed account and will include disputed accounts in this complaint. I am attaching proof of my claims above. This is my final attempt to get NCTUE to investigate and DELETE the inaccurate tradelines from my consumer file before taking legal steps to rectify the damage they are causing to my reputation.
04/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	IL 60626	Web	Older American
NCTUE stated : " XXXX XXXX XXXX has advised the NCTUE that the accounts have been updated within their internal systems to reflect a zero balance and XXXX XXXX XXXX sent an update to the credit bureaus XX/XX/2021. It can take up to 120 days for the update. The NCTUE has agreed to review the consumers data report periodically to verify the updates have been made. '' XXXX XXXX XXXX zeroing out fraudulent accounts has nothing to do with me. The three XXXX XXXX XXXX accounts # XXXX XXXX, XXXX, and XXXX never belonged to me and should have never been placed in my name since XXXX XXXX XXXX was never able explain why these accounts were placed in my name. Further, the issue I have with XXXX XXXX XXXX is currently in arbitration. If XXXX XXXX XXXX can not state with specificity why it maintains that I am responsible for the three accounts by continuing to report same, why is it fair for NCTUE to continue to collaborate with XXXX XXXX XXXX to deceive a consumer and NCTUE not follow its own dispute protocol.
07/06/2019	Yes	Money transfer, virtual currency, or money service Refund anticipation check	Problem with customer service	CA 937XX	Web	Servicemember
I am constantly filling out surveys through XXXX - nationalconsumercenter.com website and/or some website that's very similar to the ones I just described. Now when I have completed these surveys, expecting the delivery of payment for filling out their requested surveys, when I am redirected to confirm my shipment and/or personal information page, there is NOT an option to edit any of my information to confirm delivery or personal contact information so I can be notified on the shipment of payment or status of anything regarding my survey involment/participation. Due to the fact that I can not edit my information when I am redirected to the confirmation page, I believe I am not receiving ANY information on status for my participation in any questions I am answering, and am personally feeling like my intellectual properties and my involvement not being compensated like I was lead to believe, has been fraudulently stolen and or not redirected to me, the consumer/participant correctly.
04/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	MA 017XX	Web
In XXXX I sent copies of an identity theft affidavit ( with a police report and FTC report ), pertinent identity documents, and updated personal information to all 50 consumer reporting companies listed on the CFPB website ( using certified mail and spending over {$200.00} ). Each letter sent also included a full-file disclosure request and an extended fraud alert request. The National Consumer Telecom and Utilities Exchange ( NCTUE ) was one of the 50 consumer reporting companies I sent a letter to. NCTUE responded with a letter ( dated XX/XX/XXXX ) notifying me that they placed an extended fraud alert and updated my file. This letter showed my updated address and correct hyphenated name. On XX/XX/XXXX, I placed a security freeze on my NCTUE file ( following potential bank fraud I experienced two weeks ago ). The address on the security freeze confirmation document shows my former address in New Jersey and my non-hyphenated maiden name. ALL DOCUMENTS AVAILABLE UPON REQUEST.
01/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	IL 60634	Web
On XX/XX/2021, a letter was shown delivered to NCTUE. In that letter was a request for my full consumer disclosure, security freeze, and deletion of my information from the company. I had never contacted this company prior to the initial letter that was received on XX/XX/2021. Today I received a letter stating they were missing personal ID identification needed to process the security freeze request. This is weird because in the body of the letter I have all my identifying information and I also included a photocopy of my driver 's license and a utility bill. Also, for them to send me this letter about a security freeze means they also saw the part of my letter asking for my consumer report and info deletion because all were requested in the same letter. If they can not place a security freeze because my information has been deleted then that's fine, but send me a letter confirming the deletion of my information. They still have not sent my consumer disclosure either.
07/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	FL 334XX	Web
The complaint regards the NCTUE or National Consumer Telecom & Utilities Exchange. I have recently been a victim of identity theft and on my XXXX credit reports, there are many inquiries from telecommunication companies and cable companies like XXXX, XXXX XXXXXXXX and more. I need to receive my NCTUE report in order to see if a fraudulent account has been opened in my name. After calling more than 15 times I can not get my report I am entitled to. I have never received an NCTUE report ever in the past, so I have not already used my 1 per year. I have also requested a report through the mailing process with no luck and no response. I KNOW I am entitled to a report, and NCTUE is making it impossible for me to receive the report I am entitled to and thus affecting my ability to protect my identity, my earnings, my credit worthiness, and more. Thank you CFPB for keeping the consumer in mind, I believe that y'all will address this situation appropriately.
04/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Received unwanted marketing or advertising	CO 802XX	Web
I received a postcard in the mail stating the following : " This letter is to notify you that within the past twelve months we have at least one report that added negative information to your NCTUE file. If you would like to receive a free disclosure copy of your NCTUE data report, please call toll free XXXX. This is the fastest way to obtain your NCTUE data report. This information may also be found online at www.nctue.com/colorado. '' When I called the phone number on the post card I was asked to enter my social security number! I hung up, went to the website, and called the customer service number listed there, at which point I was able to speak with a human, who proceeded to tell me that they send that post card to everyone and it is just for marketing! This is a ) false advertising by using false scare tactics and b ) potentially fraud, depending on what they planned to do with my social security number had I given it to them!
08/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Didn't receive services that were advertised	NC 275XX	Web
Today I sought to access my disclosure report from the National Consumer Telecom & Utilities Exchange by accessing the number on their website. There was no option to speak to a person except perhaps for those who are visually impaired ( which I am not ). Upon successfully verifying my identity on the electronic call service, I was told my disclosure report would be emailed to me if they had my email address on file. It is unclear whether they have my email address on file, or for example they would use this information that my utility companies have about me, and there is no option to provide this information for either a hard copy or electronic copy to be sent to me. If a service is being provided for the public good, it needs to be accessible. There's no use in telling me you provide free reports on my account if there's no way to receive it or even talk to a human to understand what's possible and ask questions.
08/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OK 73071	Web
1. I requested a copy of my report from NCTUE aka National Consumer Telecom & Utilities Exchange , Inc. 2. I received that report dated XX/XX/2018. 3. There was incorrect information on the report. 3. On XX/XX/2018 I mailed back to them their form for disputing items. 4. They sent back a letter dated XX/XX/2018 requesting a copy of my Social Security card and a copy of a utility bill. 5. On XX/XX/2018 I returned a copy of both to them. 6. Next I received a letter from them dated XX/XX/2018 offering to sell me a copy of my report. 7. As of today XX/XX/2018 they have not done anything to investigate my complaint about incorrect information on my report. The company is XXXX that I am disputing. The 3 major credit bureaus have removed XXXX from their reports. I also disputed XXXX with them. 8. My complaint here is I can't get them to even investigate my complaint much less remove it. Can you please help?
10/20/2016	Yes	Credit reporting	Incorrect information on credit report Account status	GA XXXXX	Web
This reporting service claims to fix errors on my report but they never reflect the corrected version ( s ). The first page of their mailing ( s ), state the correction is made but if you look at the actual report in the same mailing, it does not reflect the correction. Personally, I do n't think they have a clue as I have called them over five times about the same issues. XXXX advised me to be careful of giving these people any information. Also, I fax identification documents, police reports, etc..because of identity theft. They state they do n't have the documents I sent and then all of a sudden, out of nowhere, they find them. They are supposed to give me a " Legislative Security Freeze '' but my reports list a " general freeze ''. This allows them to illegally charge me for future lifts of my freeze. Because of these tactics they are direct violation of the Fair Credit Reporting Act.
05/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 789XX	Web
On XX/XX/XXXX I requested a copy of my XXXX XXXX XXXX XXXX XXXX XXXX file. Upon receiving my file on XX/XX/XXXX I saw that there was a service account showing by XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX IL XXXX that was charged off in the amount of {$2200.00} I have never had a cell phone that I recall with this company and surely not with a bill for such an enormous amount!!! Also I noticed that is account, is almost 2 years past the Statue Of Limitations and has not been deleted! I'm not sure where this account came from but would like for it to be immediately be deleted from my XXXX file. Looking back I believe this inaccurate reporting may have been the reason i was denied cellular service with XXXX. I tried contacting the XXXX but every time I call they say they're having technical problems and to call back in a hour. The account number that's in my file is # XXXX
02/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	IN 46235	Web
NCTUE Security Freeze XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN : XXXX \| DOB : XX/XX/XXXX PER THE FAIR CREDIT REPORTING ACT : I am writing to you to put a security freeze on my NCTUE credit report. Under the Fair Credit Report Act you are required to comply. I also OPT OUT of NCTUE and any report/file NCTUE or its subsidiaries may have containing my name or referring to me in any manner. My information is clearly shown below : FULL NAME : XXXX XXXX XXXX SOCIAL SECURITY NUMBER : XXXX FULL CURRENT ADDRESS : XXXX XXXX XXXX, XXXX IN, XXXX CURRENT PHONE NUMBER : XXXX Enclosed are the following two documents that verify my identity : Photo ID SS number After this credit freeze has been filed, please send me written confirmation, as well as, a copy of my FULL NCTUE DATA REPORTS to the address listed above. Sincerely, XXXX XXXX XXXX
12/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AZ XXXXX	Web
NCTUE continues to provide false information to close complaints but continues to fail to properly investigate disputed accounts on my consumer file. NCTUE continues to close out my CFPB complaints without providing any of the requested and required documentation of its investigative findings regarding disputed accounts under the FCRA. NCTUE continues to violate my rights under The Fair Credit Reporting Act and the Fair Debt Collection Practices Act by continuing to report fraudulent, inaccurate, incomplete information on my consumer file, failing to investigate my disputes and failure to provide me with proof of the investigation results showing that the alleged debt belongs to me and is 100 % accurate. NCTUE is causing damage to my reputation, loss opportunity, cost and damage to my livelihood by defamation, misrepresentation and negligent enablement of IDENTITY FRAUD.
10/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	MA 02445	Web
I tried to place a security freeze with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX according to their instructions by sending them a letter. I sent it by registered mail and received the Domestic Return Receipt stamped by them on XXXX, XXXX 2018 as proof of their receiving it. I never heard from them again. I do not know if a freeze was ever placed. After looking them up on the XXXX XXXX XXXX XXXX website I discovered many similar complaints, as well as the fact that they are not accredited by the XXXX. I tried contacting them by phone twice, once to request a credit report and once to request that any freeze be lifted. I tried to use their automated system that said both times that my request could not be processed and hung up on me. I do not want that company to have my information and request that in the case a credit freeze was placed on my account it now be lifted.
07/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89052	Web
The National Consumer Telecom & Utilities Exchange ( NCTUE ), Inc. continues to report information on my consumer report. I have submitted documentation from the creditor, XXXX in which they state that they would request deletion of the reporting of this account. XXXX, once again, has not done what they've promised to do ; I'm having to chase down their reporting to all of these bureaus, some of which most people are not aware of, and end up with yet, another complaint here. As you will see from my correspondence, I've spoken to XXXX, and was told that they no longer have the debt and to contact XXXX. Well guess what XXXX : Here we are again! Everything is attached, including my correspondence to NCTUE, XXXX 's letter, and NCTUE 's investigation results stating that they are still reporting this negative account on my consumer report.
05/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 328XX	Web	Servicemember
XXXX XXXX XXXX -NCTUE XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX On Saturday, XXXX, XXXX, NCTUE, knowingly Committed 4 different violation of the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit report. This admission is attached to this complaint with the following confirmation numbers : # XXXX, # XXXX, # XXXX, # XXXX, # XXXX XXXX XXXX acct # XXXX is reporting the debt after 7 years. On Sunday, XX/XX/2020, at approximately XXXX XXXX., original creditor, XXXX XXXX has admitted its violation of the Fair Credit Reporting Practices Act, that it sold debt, acct : # XXXX, to collection agency, XXXX XXXX XXXX XXXX, and XXXX XXXX continues to report this affirmation on my credit report and that a balance owed. I demand that NCTUE remove this inaccurate formation off my credit report immediately.
02/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	GA 30309	Web
You provide credit reporting information to your partners efficiently through a digital system. With this in mind, it is unreasonable and inconvenient for you to only offer the ability to request a copy of my NCTUE Disclosure Report through a slow and inefficient automated phone system or through the mail. With this in mind, it is unreasonable and inconvenient to require consumers to call different phone numbers, each requiring their own verification, to place freezes and fraud alerts. The complexity of this process indicates that NCTUE intentionally tries to make it difficult for consumers to exercise their rights. In addition, NCTUE does not comply with 12 CFR Part 1022.137 ( a ) ( ii ) ( B ), and does not provide a way to file a complaint with the NCTUE and the CFPB in the FAQ section of their site.
09/03/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Billing dispute for services	IN 46516	Web
Per 15 USC 1681 I have a right to my consumers report one time per year and I have made several attempts through the website and by calling this company to obtain my consumer report. Every time I call I am told that they are unable complete my request and to mail my request. Per the consumer financial protection Bureau I am allowed one free credit report a year and if I have to go and buy a stamp and envelope that no longer makes it free and I am on a fixed income. I should not have to obtain these items to get my credit report consumer report which I am lawfully entitled to. By hindering me to these documents this company is making it difficult for me to verify my information while I'm trying to repair my credit and buy a home so it is viable that this information is available to me.
12/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 809XX	Web
The company is the NCTUE, a credit reporting agency for utilities and phone companies. XXXX XXXX XXXX : NCTUE sends me a postcard alerting me that there is derogatory/delinquent information on my record. XXXX XXXX : I send a reply letter to NCTUE asking for my full report, in accordance with my state 's laws requiring full reports be furnished ( Colorado ). XXXX XXXX : NCTUE sends its full report to me. My main complaint is that the report claims that I have a delinquent {$150.00} from XXXX on account number starting with XXXX ..... This is just not true. I contacted XXXX and documented evidence that there is no such delinquency for the address that I was located at during the year reported - XXXX. They claim I owe something that the company itself, XXXX, does not claim that I owe.
02/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	IN 46235	Web
NCTUE has failed to send me a copy of file as requested ignoring all attachments which included proof of return receipt and that they received the letter NCTUE is willfully not complying with to the FCRA. It has been 2 months since i first requested my file and in that 2 months i have received nothing from NCTUE. THIS IS MY 3rd COMPLAINT AGAINST THEM FOR NOT SENDING ME MY FILE AND PLACING A REQUESTED FREEZE. I receieved a letetr stating that they were placing a freeze yesterday ( XXXX ) the original request was the beginning of XXXX. Furthermore i still have not received a copy of FULL CONSUMER FILE DISCLOSURE. This is a violation!!!! I have requested this at least 3 times now 2 of which were through CFPB. Where is my full consumer file at NCTUE!!
09/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 707XX	Web
I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.
12/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60626	Web	Older American
NCTUE continues to falsely report on my file XXXX fraudulent accounts, one being XXXX XXXX XXXX XXXX fraudulently set up on XXXX XX/XX/XXXX for another XXXX XXXX XXXX customer XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX, who paid XXXX XXXX XXXX XXXX ( which did not come from any account under my control ) XXXX months between XX/XX/XXXX and XX/XX/XXXX but was only able to set up this account by an XXXX XXXX XXXX employee who was willing to compromise my now former ( as of XX/XX/XXXX ) account information. NCTUE report # XXXX reflects theses amounts however in report # XXXX the payments have been suspiciously removed. Please note that NCTUE also allows it {$2.00} XXXX partner XXXX to paginate reports just to confuse the average consumer.
09/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07002	Web
I reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate that's why I am reaching out to you. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.
08/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	NM 87110	Web
I am a victim of identity theft. I called the NCTUE phone number XXXX to obtain opt-out of prescreened promotions. I have contacted National Consumer Telecom & Utilities Exchange via several certified letters ( 3 certified letters ) and have asked for PEMANENT opt-out of prescreened promotions. I provided NCTUE will all the documents that they required to process the permanent opt-out, including copy of my NM driver 's license, copy of social security card, name, address, date of birth, XXXX Police report, FTC identity theft report. I have received a letter confirming the 5-year opt out. However, I asked for PERMANENT opt-out and this has NOT been accomplished by NCTUE. I would like cfpb 's assistance in this matter. thank you.
05/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	CO 80260	Web
I received a letter from NCTUE on XX/XX/20 stating that a negative entry had been made on my data report. I have made repeated calls to their automated system to obtain that report and the process fails every time. It has me input my social security number and the numeric portion of my home address. Each time the system tells me that my data report has been located and then says that " There was a problem processing your request. Please try calling again later. '' I have called several times this week with the same result. They provide no other means of contacting them other than via the useless and broken automated system. I have a legal right to that data report and their incompetence is denying me that information.
07/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	FL 32536	Web	Servicemember
I just tried to contact NCTUE and they gave me the runaround when I was only trying to Correct an email they potentially have on file. They, I believe have a spam/ closed box on record. This entity is just as difficult to deal with when trying to get any information. They do not have accurate data and therefore, I can not be verified. My address has been corrected but I still can't be verified. I 100 % believe, they have Erroneous data that is Not mine on record. I must utilize CFPB due to not being able to provide documents via mail or fax.I have already verified my identity with PII and all NCTUE needs to do is review my other complaints for the documentation.
03/24/2016	Yes	Credit reporting	Credit reporting company's investigation Inadequate help over the phone	WA 98125	Web
I requested and received a copy of my NCTUE Exchange Service Center consumer report. I received it in the mail today. Within the report under section XXXX " Unpaid Closed Accounts '' there is a paragraph that states, " These accounts are reported as unpaid closed accounts and may remain on your report for 24 months. '' 24 MONTHS! The federal and state law says 7 YEARS! I contacted NCTUE to remove XXXX accounts listed beyond the 2 years and was informed that federal and state law allows for reporting for up to 7 YEARS. The information printed on the NCTUE report that I received in the mail is deceiving to consumers as it states clearly 2 YEARS.
09/27/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	MO XXXXX	Web
On XX/XX/XXXX I submitted a complaint about the fact that I can not obtain my National Consumer Telecom & Utilities Exchange ( NCTUE ) credit report. Since at least XX/XX/XXXX, I have been attempting to obtain my credit report to no avail. The telephone system does not work and NCTUE does NOT provide any information about what I should send to NCTUE to obtain my credit report via mail. I NEED TO KNOW WHAT TO SENT TO NCTUE TO OBTAIN MY CREDIT REPORT. The Company 's response to my XX/XX/XXXX Complaint was a nonsensical response that did not in any way address my question and concern.
05/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	KY XXXXX	Web
On XX/XX/XXXX I faxed my IDs so NCTUE could update my information & address and have NCTUE mail me a full report. Never received it? On XX/XX/XXXX, again, faxed my IDs so NCTUE could update my information and have NCTUE mail me a full report, never received it? Plus I have attempted to access the automated system many times, putting in my ss #, house # & zip code, I am never recognized. I have never received any letters from NCTUE telling me about any type of problem on why my report can not be mailed? I have included the both faxes sent to NCTUE.
04/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	LA 70802	Web
I am reporting a potential FDCPA violation against the The National Consumer Telecom & Utilities Exchange ( NCTUE ) who unlawfully provided XXXX XXXX a copy of my credit report via XXXX and the XXXX XXXX XXXX while my report has a security freeze placed upon it WITHOUT my consent. This report has been frozen since XXXX and I have written confirmation/receipt that it is still frozen and the only way to unfreeze the report is if I process a temporary or permanent lift with my 10-digit Personal Identification Number ( PIN ) that I did not provide.
06/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	TX 77006	Web
I mailed a request to National Consumer Telecommunications & Utilities Exchange ( NCTUE ) Exchange Service Center for my disclosure report and score. The CFPB XX/XX/2018 " List of consumer reporting companies '' states for NCTUE : " The company will provide one free report every 12 months if you request it. '' I have never requested or received this info from NCTUE before. In response, I received a letter from " XXXX XXXX XXXX XXXX '' demanding {$11.00} and {$7.00}, respectively, for the info. Why is NCTUE refusing to provide the info for free?
07/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	TX 77006	Web
I mailed a request to National Consumer Telecommunications & Utilities Exchange ( NCTUE ) XXXX XXXX XXXX for my disclosure report and score. The CFPB 2018 " List of consumer reporting companies '' states for NCTUE : " The company will provide one free report every 12 months if you request it. '' I have never requested or received this info from NCTUE before. In response, I received a letter from " XXXX XXXX XXXX XXXX '' demanding {$11.00} and {$7.00}, respectively, for the info. Why is NCTUE refusing to provide the info for free?
05/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	KY 40504	Web
On XX/XX/2022 I ordered my NCTUE report using the automated system, I was mailed to separate reports with different confirmation numbers. On XX/XX/2022 I attempted to order another NCTUE report to get an updated report, but NCTUE could not find my information on the automated system. So I called NCTUE and was told to fax my ID, which I did and asked for an updated report. I have received NO report, and the automated system still does not recognize me? I will include the XX/XX/2022 ID fax that was never answered.
04/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	MA 017XX	Web
On XX/XX/2021, I placed a security freeze on my National Consumer Telecom and Utilities Exchange ( NCTUE ) file ( following potential bank fraud I recently experienced ). The New Jersey address listed on the security freeze confirmation is an address at which I never paid utilities because this address belonged to my former employer ( a boarding school ). My former employer paid rent and utilities at this address. ALL DOCUMENTATION TO CONFIRM THIS COMPLAINT IS AVAILABLE UPON REQUEST.
03/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Personal information incorrect	GA 313XX	Web	Servicemember
I am a victim of identity theft. Currently an account has been opened in my name for electric with XXXX XXXX down in Texas. They will not close my account without a police report. I have already filed this with the FTC. The FTC tried telling me to check NTCUE for other utilities opened in my name. When I called and entered my social security number with street address and zip code for verification, NTCUE could not verify my information. So I could not access my NTCUE information.
10/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30223	Web
I contacted XXXX PER THE FAIR CREDIT REPORTING ACT Section 605A. [ 15 U.S.C. 1681c-1 ] to please place a security freeze on my information. I did not consent nor authorize XXXX XXXX XXXX - NCTUE or anyone employed by this company to the share my information to the public, specifically with data aggregators who are looking to collect information on my behalf. This is a major violation of my privacy rights and demand to have my entire credit file REMOVED from their data institution.
05/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	MD 215XX	Web
NCTUE : I spoke with. Representative over the phone because I was unable to verify my identity over the phone due to identity theft. I mailed everything I could in. I sent. Copy of my bank statement due to the fact that I do NOT have ANY utilities in my name and have not had any for quite some time. After a long wait. I received a mail response that they could NOT process my request. I need this report due to identity theft. Why am I being punished for someone using my identity?
04/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Personal information incorrect	NY 12203	Web
NCTUE has wrong information ( former name and address ) on my report. I am unable to reach anyone to make a request for a revision and I am unable to make a request for a copy of my report. I placed a security freeze on my account on XX/XX/22 and they provided me with a written confirmation with my former address on it. This mail is going to be delivered to an address that I haven't resided at for 6+ years and will include by personal PIN for my security freeze!
10/02/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 90046	Web
XXXX, confirmation number XXXX, is reporting outdated, inaccurate and credit slander information on my report. There are double accounts, address ad current is almost 8 years old, and fraudulent I 'D theft accounts disputed with XXXX directly shown as current. They are Willfully Negligent in reporting and maintaining accurate information. I plan to also contact the California Utilities Commission to file a complaint and the .CA Attorney Generals Office.
09/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	FL 33024	Web
I called the XXXX XXXX XXXX, managed by the National Consumer Telecom & Utility Exchange ( run by XXXX ) to place a security freeze on my XXXX XXXX XXXX data report. They said that they could not locate my personal information. I am very worried that some crook could use my XXXX XXXX XXXX data report to open credit in my name, without my authorization, because of the horrendous, enormous XXXX security breach earlier this year.
10/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	UT 84062	Web
I do not have confidence in the National Consumer Telecom & Utilities Exchange aka NCTUE to deliver what I am requesting if I go directly to them. I have heard enough from other consumers that had problems getting their file disclosures on their own and always having to involve the CFPB. So, I am utilizing the CFPB to help me obtain my full file disclosure from the NCTUE so I can make sure the info on my file is correct.
07/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC XXXXX	Web
I was looking into purchasing a house back at the end of XXXX. And somehow a cable bill from XXXX popped up from XXXX. I have never had XXXX in my life, I have disputed it with everyone and they refuse to give me any relief. I have no issues paying my bills but I never had XXXX in my name ever in my life. And I'm uncertain as to why. If it was way back in XXXX it popped up at the end of XXXX anyway.
04/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	KY 400XX	Web
On XX/XX/22 I faxed my IDs & request for my NCTUE report, I was mailed a letter dated XX/XX/22 asking me to submit my IDs for verification proof? So on XX/XX/22 I again faxed my IDs & requested my NCTUE report. I received nothing from NCTUE So again on XX/XX/22 I faxed my IDs & again requested my NCTUE report, I received nothing. I have included my last fax and NCTUE letter.
05/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	TX 75039	Web
I contacted NCTUE about obtaining a copy of my credit report due to identity theft. The company did not send me the report. I sent my letter and proof of identity theft, my drivers license with ssn, and a utility bill. The company responded by asking me for my personal information. This is a violation. I will included copies of my original letter and their response.
10/01/2015	Yes	Credit reporting	Unable to get credit report/credit score Problem getting my free annual report	NY 10312	Web
XXXX previous CFPB complaints for the same issue still unresolved. Company is unable or unwilling to send my National Consumer Telecom & Utilities Exchange report I asked for via postal mail. CFPB complaint # XXXX - No report was ever received. Company claimed to have mailed it out. CFPB complaint # XXXX - Company mailed me an XXXX report I did n't ask for.
09/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	FL 33024	Web
I called the National Consumer Telecom & Utilities Exchange to place a security freeze on my data report. They said they could not locate my information. I need to have an immediate security freeze placed on my data report, because of the XXXX breach, someone could open a cellphone or internet or cable account in my name without my authorization.
04/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11510	Web
AS OF XX/XX/ I HAVE NOTICED FRAUD ACCOUNTS AND INQUIRIES THIS IS ONE OF THE FRAUD ACCOUNTS THAT MUST BE REMOVED NOW! account name : XXXX self-reporting account # : XXXX account type : Installment last reported XXXX last payment XXXX last date active : XXXX incomplete account # is grouns for removal of this account " fair cares act ''
03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	IL 622XX	Web
I am A Victim Of Identity Theft I Tried Calling A Company To See What Information Is Being Reported About Me & They Refused To Release Information & Requested Me Right A Letter I Will Right This Letter Aswell As Letting The Legal Authority Know After I Already Filed Police Report I Will Also Include A Copy To The Company
11/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ XXXXX	Web
To Whom It May Concern : You are reporting inaccurate and/or incomplete information concerning me in consumer reports. Your conduct has caused me distress and financially harmed me with costs and loss opportunity. The following tradeline ( s ) you are reporting concerning me is/are inaccurate and/or incomplete :
04/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	CO 80005	Web
NCTUE sent me a scammy letter claiming their proprietary credit report contains negative information. The agency has a terrible website and is completely unusable for finding the negative information. Calling the number results in an automated system asking for PII with no assurances of data handling.
05/15/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 78753	Web
I have not received any notification before hand. The first I learned of any money owed id ] s when it was added to my credit report. They didn't contact me at all to inform me that I owed them any amount of money. Nor did they notify or contact my daughter whom was on the same account with me.
05/24/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60644	Web
Someone opened an XXXX XXXX XXXX account in my name and the account is fraudulent. The account has a balance of {$250.00}. It was opened on XX/XX/2016. I have filed a police report and have spoken with XXXX XXXX XXXX regarding this matter. Hopefully it will be resolved soon.
08/17/2015	Yes	Credit reporting	Unable to get credit report/credit score Problem getting report or credit score	NY 10312	Web
Fraud alert placed on National Consumer Telecom & Utilities Exchange consumer report. Consumer reporting agency above refuses to send copy of report I am entitled to see as a result of fraud alert placed. NCTUE Disclosure ReportXXXX XXXX XXXX, GA XXXX
07/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	CO 80220	Web	Servicemember
Hello, I applied for a free report from NCTUE, spoke to a representive, but they could not find any report. I received a letter indicating that negative information had been added to my report but NCTUE was not able to provide the report. Regards, XXXX
12/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46324	Web	Servicemember
I was just incarcerated between XXXX through XXXXi just recurved notice of a illegal utility bill that was in my name. This is damaging to me and family. This weather is going to bad for the winter and I'm worried about my status to move back to Illinois
10/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	NJ 085XX	Web
NCTUE was contacted three times via US Mail on or around XXXX 2020 regarding my yearly consumer disclosure. Not once have they responded to me. This is my final attempt to request my yearly disclosure.
12/31/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92128	Web
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.
11/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NY 11373	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
02/12/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	CO 803XX	Web
I am an identity theft victim ; credit bureaus, XXXX and NCTUE are not clearing the fraudulent information from my history. Has been XXXX months.
01/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CT 06606	Web
XXXX XXXX XXXX is a fraud on my credit report with XXXX. These company or investors so both company refuse do delete inaccurate information
09/16/2015	Yes	Credit reporting	Unable to get credit report/credit score Problem getting my free annual report	NY 10312	Web
Previous CFPB compliant XXXX. NCTUE claimed to have mailed consumer report on XXXX/XXXX/15. No consumer report was ever received.
11/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	AZ XXXXX	Web
After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me.
01/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	LA 70360	Web
I have requested a security freeze and my report from NCTUE and have yet to receive what I have requested. I do not agree.
05/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48083	Web
on XXXX XXXX a XXXX XXXX XXXX account was opened at a XXXX in XXXX michigan.This account is fraud and it was unauthorized
12/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	MD 20735	Web
I was not made aware that I can opt out.
02/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10701	Web

02/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10032	Web

02/07/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10469	Web

02/07/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77089	Web

02/07/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33314	Web

02/07/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10452	Web

02/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07026	Web

02/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 770XX	Web

01/31/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 117XX	Web

01/31/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 731XX	Web

01/30/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10023	Web

01/13/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 71108	Web

01/13/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 71108	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	TX 77014	Web

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	TX 77449	Web

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	TX 77449	Web

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	MD 21401	Web

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	MD 21401	Web

01/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	TX 76137	Web

01/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	MA 01757	Web

01/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	MA 01757	Web

01/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32514	Web

01/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07002	Web

01/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07305	Web

01/01/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78628	Web

01/01/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78628	Web

12/22/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Problem with product or service terms changing	CA 92307	Web

12/11/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was paid	CO 80302	Web

11/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Received unwanted marketing or advertising	CO 810XX	Web	Older American

11/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	IL 60607	Web

10/27/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	TX 77077	Web

09/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	GA 31088	Web

09/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27985	Web

09/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11434	Web

09/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94531	Web

07/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39212	Web

07/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11236	Web

07/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32209	Web

05/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	NY 11236	Web

05/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22206	Web

04/27/2023	Yes	Credit card or prepaid card Gift card	Advertising Confusing or misleading advertising about the card	CO 80031	Phone	Servicemember

04/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	IL 62959	Web

03/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21202	Web

03/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	IL 61705	Web	Servicemember

02/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30035	Web

02/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL XXXXX	Web

01/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	CO 80027	Web

12/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	IN 46268	Web

12/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19143	Web

11/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	NY 11798	Web

10/12/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 27527	Web

09/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	IN 46268	Web

08/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	IN 46406	Web

08/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	IN 46406	Web

06/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 72401	Web	Servicemember

06/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	PA 18103	Web

05/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30021	Web	Servicemember

05/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95124	Web

04/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	KY 40444	Web

03/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	NJ 07013	Web

02/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	WI 53223	Web

12/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	PA 19425	Web	Servicemember

11/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	IN 46250	Web

11/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	IN 46268	Web

10/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	VA 20105	Referral

10/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	VA 20105	Referral

10/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55102	Referral

08/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	VA 22031	Web	Servicemember

06/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	TX 78212	Web

06/26/2021	No	Money transfer, virtual currency, or money service Virtual currency	Other transaction problem	AR 72301	Web

06/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 72301	Web

05/22/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	IL 60626	Web	Older American

04/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60626	Web	Older American

04/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 33966	Web

04/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MD 21061	Web

04/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 34474	Web

04/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 77493	Web

04/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NV 89135	Web

04/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 32818	Web

04/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 92603	Web

03/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30022	Web

03/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95112	Web

03/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91342	Web

03/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93722	Web

02/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	IL 60626	Web	Older American

01/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60626	Web	Older American

01/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 78516	Web

12/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OK 74133	Web

12/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78516	Web

12/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	LA 70131	Web

12/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MD 20886	Web

12/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	SC 29483	Web

12/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	WA 98516	Web

12/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	WA 98516	Web

12/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70835	Web

12/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	LA 70119	Web

12/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	MD 21237	Web

12/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78516	Web

11/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	IL 60626	Web	Older American

11/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78516	Web

11/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60626	Web	Older American

11/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MO 64014	Web

11/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 32218	Web

11/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MD 20877	Web

11/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC 29485	Web

11/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	IA 52404	Web

11/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 77573	Web

11/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	AL 36066	Web

11/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 75670	Web

11/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 77083	Web

11/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	AZ 85041	Web

11/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 75670	Web

11/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 30180	Web

11/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MD 20747	Web

11/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 78046	Web

11/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 31322	Web

11/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 77389	Web

11/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	IN 46219	Web

11/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	OH 44664	Web

11/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 30213	Web

11/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	IN 46324	Web

11/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 77449	Web

11/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 31322	Web

10/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70835	Web

10/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	LA 70764	Web

10/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 78516	Web

08/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	CO 80223	Web

07/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	WA 98012	Web

07/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	VA 20105	Postal mail

06/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	FL 32536	Web	Servicemember

06/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Difficulty submitting a dispute or getting information about a dispute over the phone		Phone

06/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 32536	Web	Servicemember

06/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	FL 328XX	Web	Servicemember

05/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	NC 27950	Web

05/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MD 20850	Web

04/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	CO 80121	Web

04/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30036	Phone

04/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	CO 80537	Web

02/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service		Phone

02/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MT 59101	Web	Servicemember

01/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Was not notified of investigation status or results	NC 27950	Web

11/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OR 97223	Phone

10/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90018	Web

10/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90018	Web

09/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33415	Postal mail

08/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	IN 46040	Web

07/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	TX 78045	Web

06/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AR 72301	Postal mail

03/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Problem canceling credit monitoring or identify theft protection service	CA 94596	Phone

03/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Didn't receive services that were advertised	CA 94596	Phone

02/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN 46235	Web

02/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	IL 61832	Web

01/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	IN 46235	Web

01/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	IN 46235	Web

12/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	GA 31636	Web

12/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	MN 56096	Web

10/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 94596	Web

10/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33418	Postal mail

10/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33418	Postal mail

09/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 94536	Web

08/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	CA 94544	Web

08/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect		Phone

07/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Received unwanted marketing or advertising		Referral

07/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Personal information incorrect	CA 90038	Web

06/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	IL 60624	Phone

06/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	CO 80047	Web

02/24/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CO 80134	Web

04/19/2017	Yes	Credit reporting	Unable to get credit report/credit score Problem getting report or credit score	FL 33415	Postal mail

03/27/2017	Yes	Credit reporting	Unable to get credit report/credit score Problem getting my free annual report	FL 33415	Postal mail

01/10/2017	Yes	Credit reporting	Incorrect information on credit report Account status	CO 80223	Web

12/08/2016	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	GA 30040	Postal mail

08/23/2016	Yes	Credit reporting	Incorrect information on credit report Account status	CO 80498	Postal mail	Older American

08/17/2016	Yes	Other financial service Credit repair	Fraud or scam	CO 80498	Phone	Older American

10/23/2015	Yes	Credit reporting	Incorrect information on credit report Account terms	CO 80602	Web

10/22/2015	Yes	Credit reporting	Credit monitoring or identity protection Receiving unwanted marketing/advertising	CO 80936	Referral

06/24/2015	Yes	Other financial service Debt settlement	Unexpected/Other fees	CO 80120	Web

02/24/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	LA 71261	Web

01/06/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	TX 78225	Web	Servicemember

07/21/2014	Yes	Credit reporting	Incorrect information on credit report Account terms	CO 81144	Web

03/08/2014	Yes	Credit reporting	Credit reporting company's investigation Inadequate help over the phone	OH 45206	Fax

04/15/2013	Yes	Credit reporting	Unable to get credit report/credit score Problem getting my free annual report	CO 80132	Web

02/08/2013	Yes	Credit reporting	Credit reporting company's investigation Inadequate help over the phone	CO 80612	Web