The NCTUE Data Report is a record of all telecommunication, pay TV, and utility accounts reported by exchange members, including information about a consumer’s account history, unpaid closed accounts, and customer service applications. This information is used by other service providers that are members of NCTUE to assist them in the decisioning. The NCTUE Disclosure Report is the disclosure to a consumer of the information contained in his or her data file. To request a copy of your NCTUE Disclosure Report, please utilize the NCTUE consumer portal (nctueconsumerportal.com) or call us at 1-866-349-5185. You can also mail your request to:

NCTUE Disclosure Report
Exchange Service Center – NCTUE
P.O. Box 105161
Atlanta, GA 30348
1-866-349-5185

If you believe information in your NCTUE Disclosure Report is incomplete or inaccurate, you can open up a dispute online by utilizing the NCTUE consumer portal (nctueconsumerportal.com).  You may also notify our team directly, and if warranted, we will investigate the matter with the source that provided the information – free of charge. Please complete and return the Research Request form included in the Disclosure Report and provide details of the information you believe is inaccurate. To enter a dispute by telephone, please call: 1-866-343-2821. You must have a copy of your current Disclosure Report available during the call. Based on the results of the investigation, we will either update the status of the disputed information or delete the item from your Disclosure Report. If the disputed information has been verified as accurate by the service provider, it will remain on your Disclosure Report. However, you may add a statement of explanation to the report and work to resolve the dispute directly with the service provider. You may also mail your dispute to NCTUE at the address below. Please include your name, address, Social Security number, and date of birth.

Disputes & Fraud
Exchange Service Center – NCTUE
P.O. Box 105398
Atlanta, GA 30348
1-866-343-2821

An initial fraud alert indicates to anyone requesting your NCTUE Disclosure Report that you suspect you are a victim of fraud. When you or someone else attempts to open a service account in your name, the service provider should take steps to verify that you have authorized the request. If the service provider cannot verify this, the request should not be satisfied. An extended fraud alert is like an initial alert, except it lasts for 7 years. You may place a fraud alert on your account by utilizing the NCTUE consumer portal (nctueconsumerportal.com). A valid police report or FTC identity theft report showing you have been a victim of identity theft is required to place an extended fraud alert.

An active duty alert is available to persons on active military duty. You may place an active duty alert on your account by utilizing the NCTUE consumer portal (nctueconsumerportal.com). You may also call us at 1-866-349-3233.

Or

You can also mail your request to:

Disputes & Fraud
Exchange Service Center – NCTUE
P.O. Box 105398
Atlanta, GA 30348
1-866-343-2821

You may also want to contact the nationwide credit reporting agencies to request they place a fraud alert on your credit report. The addresses, phone numbers, and websites are as follows:

EQUIFAX
P.O. Box 740256
Atlanta, GA 30374
(800) 525-6285
www.equifax.com

EXPERIAN
P.O. Box 9556
Allen, TX 75013
(888) 397-3742
www.experian.com

TRANS UNION
P.O. Box 6790
Fullerton, CA 92834-6790
(800) 680-7289
www.transunion.com

If you are a victim of identity theft, you should contact the Federal Trade Commission’s (FTC’s) Identity Theft Hotline to obtain more detailed information about how to protect yourself, recover from identity theft, and file an identity theft complaint. Sharing your identity theft complaint with the FTC can help law enforcement officials across the nation track down and stop identity thieves. The FTC can refer victims’ complaints to other government agencies and companies for further action, as well as investigate companies for violations of laws the agency enforces. You can file a complaint online at www.ftc.gov/idtheft or by phone through the FTC’s Identity Theft Hotline, toll-free: 1-877-IDTHEFT (438-4338); TTY: 1-866-653-4261; or write: Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580.

You can submit a request for NCTUE to remove or block adverse information resulting from human trafficking from your NCTUE data report, and the required supporting documents (see the response below for more on this) by utilizing the NCTUE consumer portal (nctueconsumerportal.com).  You may also submit the request to Equifax by mail to:

Exchange Service Center – NCTUE
P.O. Box 105425
Atlanta, GA 30348

You may also call us at (866)-349-3233 to speak to an agent about the process for submitting a request related to adverse information resulting from human trafficking.

To remove adverse information from your NCTUE Data Report that is the result of human trafficking, you need to submit the following documents and information with your request mailed to the above address:

1. A document that confirms that you were a victim of human trafficking, which may be one or more of the following types of documents:
   • A document that includes a determination that you were a victim of a form of human trafficking from:
     • A federal,
     • state,
     • tribal,
     • or local governmental entity, government agency,
     • or law enforcement entity;
     • or a non-governmental entity or task force authorized by a governmental agency to make such a determination;
   • A self-attestation – a statement prepared by you (or your representative) stating you were a victim of human trafficking that is certified by an authorized employee or representative of such a governmental agency or non-governmental entity; or
   • One or more documents from a court indicating a determination by a court that you were a victim of human trafficking in a case where a central issue is whether you are a victim of human trafficking. Court documents can be made up of several documents from the court case that together show the court accepted as true or found no genuine dispute that you were a victim of human trafficking; and
2. Proof of identity, which may include copies of a government issued ID, driver’s license, birth certificate, passport, Social Security card, or W2 (make sure any photocopies are clear and readable); and
3. A statement identifying (1) the specific items of adverse information on your NCTUE data report that resulted from human trafficking (for example, by including the account number and creditor name) and (2) the mailing address (or email address) that NCTUE should use to communicate with you in writing about your request.

If a designated representative, like your attorney or a victim assistance advocate, is preparing your statement or submitting your request on your behalf, they must also include proof of their identity and documentation that you have authorized them to act for you, like a valid power of attorney. Copies of these documents must be mailed with your request to the address provided above.

If you have additional questions, call us at (866)-349-3233.

Yes. NCTUE gives information to companies that provide consumers with pre-approved offers of credit. To opt out and exclude NCTUE information about you from being used in lists provided to companies that make pre-approved offers of credit (as provided in the Fair Credit Reporting Act),  call us toll free at 1-888-327-4376.

You may also mail your request to the address below. Please include your name, address, Social Security number, and date of birth.

Opt Out
Exchange Service Center – NCTUE
P.O. Box 105398
Atlanta, GA 30348
1-888-327-4376

You may place, temporarily lift, or remove a security freeze on your NCTUE data file. A security freeze is designed to prevent the information in your NCTUE data file from being reported to others, such as service providers and other companies.

You can place, request a temporary lift, or remove a security freeze by utilizing the NCTUE consumer portal (nctueconsumerportal.com) or call us at 1-866-349-5355.

Mail your request to:

Security Freeze
Exchange Service Center – NCTUE
P.O. Box 105561
Atlanta, GA 30348
1-866-349-5355

Under Colorado law, you may have received a letter detailing activity on your consumer file maintained with NCTUE. Instructions detailing how to obtain a disclosure copy of your consumer file are included in the letter.

Pursuant to the Colorado Consumer Credit Reporting Act (C.R.S. 5-18-106), a consumer reporting agency shall notify a consumer, by letter sent by first-class mail, that the consumer reporting agency will provide the consumer with a disclosure copy of his or her consumer file at no charge and a toll-free telephone number to call to request such a copy, when one of the following events occurs within a twelve-month period:

1. The consumer reporting agency has received eight (8) credit inquiries pertaining to the consumer; OR
2. The consumer reporting agency has received a report that would add negative information to a consumer’s file

Each consumer reporting agency shall, upon request of a consumer, provide the consumer with one disclosure copy of his or her file per year at no charge. If the consumer requests more than one disclosure copy of his or her file per year, the consumer reporting agency may charge the consumer up to eight dollars for each additional disclosure copy.

For any questions regarding this legislation, please call customer service at 1-877-657-9006 during our Hours of Operation: Monday through Friday, 8am to 5pm in your time zone.

As a not-for-profit consumer reporting agency governed by the federal Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.), NCTUE is exempt from the requirements of all existing state data privacy laws.

If you are interested in knowing more about the information NCTUE maintains on your credit history, you may request a consumer disclosure from NCTUE by writing to us at the following address:

NCTUE Disclosure Report
P.O. Box 105161
Atlanta, GA 30348
1-866-349-5185

If you believe your information may have been stolen and used fraudulently, it can be hard to know what to do and where to report it. So, here are a few things to consider if you believe you’re a victim of identity theft:

• Contact the company or companies where you believe the fraud occurred, and let them know you believe your identity may have been compromised.
• Check your credit reports. Request a free copy of your NCTUE report. You can do this online at nctueconsumerportal.com, by our automated IVR or an agent at  1-866-349-5185 or by mailing your request and identification to the following address:

NCTUE Disclosure Report

          Exchange Service Center – NCTUE

          P.O. Box 105161

          Atlanta, GA 30348 

• You can also request your report from all three nationwide credit bureaus – Equifax, Experian and TransUnion — and keep an eye out for any information that’s inaccurate or incomplete, or unfamiliar accounts and addresses. You can get a free copy of your credit report at each nationwide credit bureau from annualcreditreport.com.

Consider placing an initial one-year fraud alert on your credit reports. Fraud alerts serve as a “red flag” to those who pull your credit reports that you may be a victim of identity theft. They encourage companies to take additional steps to verify your identity before granting credit in your name. Fraud alerts are free. You can create a NCTUE Consumer Web Portal account online (nctueconsumerportal.com) to place a fraud alert on your NCTUE credit report. You can also mail your request to

Disputes & Fraud

Exchange Service Center – NCTUE

P.O. Box 105398

Atlanta, GA 30348

or call NCTUE at 1-866-349-3233.

• Consider freezing your credit reports. A security freeze restricts certain access to your credit reports. Unless you temporarily lift or permanently remove a security freeze, or unlock your credit reports, they can’t be accessed to open new accounts – with certain exceptions. You can create a NCTUE Consumer Web Portal account online (com) to place a security freeze on your NCTUE credit report. You may also mail your request to:

Security Freeze
Exchange Service Center – NCTUE
P.O. Box 105561
Atlanta, GA 30348
Or call 1-866-349-5355.

• Submit an identity theft report with the Federal Trade Commission online at identitytheft.gov. By reporting your theft online, you can receive an identity theft report and a recovery plan. If you create an account on the website, you can update your plan, track progress and receive form letters to send to creditors.
• File a police report with your local law enforcement agency. A police report provides you with a document saying you’ve been a victim, which can be helpful – when requesting a 7-year extended fraud alert on your credit reports, for instance. This type of fraud alert requires a police or FTC Identity Theft Report. To request an extended fraud alert on your NCTUE credit report, go to com, or mail your request and identification to the following address:

Disputes and Fraud

          Exchange Service Center – NCTUE

          P.O. Box 105398

          Atlanta, GA 30348

• Report certain types of identity theft to specific agencies. For instance, you can contact your health insurance company’s fraud department or the Medicaid fraud office to report medical identity theft, when someone gets medical care or medications in your name, or report tax identity theft to the Internal Revenue Service and your state’s department of taxation or revenue. You might also consider notifying your state Attorney General or consumer protection department, as they may have resources to assist you.
• Monitor your accounts for any suspicious activity, including changes and charges you don’t recognize.

The FTC advises you to keep a record of the calls you make and the people you speak to, and keep copies of any letters you send or receive. It’s also a good idea to keep a written record of other actions you take, such as closing accounts or disputing charges.