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National Consumer Telecom & Utilities Exchange (NCTUE)

This consortium of member companies collects and shares information on new telecom and utility connect requests, paid-as-agreed and past-due account and payment histories including delinquencies and charge-offs, associated with telecommunications, pay TV, and utility (electric, gas, water) services. Equifax Information Services is the contracted servicer that manages the NCTUE database on its members’ behalf. Equifax is not a member of the NCTUE.

Contact this company to request your report

  • The company will provide one free report every 12 months if you request it.
  • The company will freeze your consumer report if you request it.
  • Requesting copies of your own consumer reports does not hurt your credit scores
  • For companies required to provide the information in your report for free annually upon request, they must do so within fifteen days of receiving your request.
Website Phone number Mailing address


866-343-2821 (dispute)

866-349-5355 (security freeze)

NCTUE Disclosure Report
Exchange Service Center - NCTUE
P.O. Box 105161 Atlanta, GA 30348

NCTUE Security Freeze
Exchange Service Center - NCTUE
P.O. Box 105561 Atlanta, GA 30348

How to dispute the information in your report

If you find information in your consumer report that you believe is inaccurate or incomplete, you have the legal right to dispute the report’s content with the consumer reporting company and the company that shared the information to the reporting company, such as your lender. Under the FCRA, companies must conduct – free of charge – a reasonable investigation of your dispute. The company that has provided the incorrect information must correct the error, and notify all of the consumer reporting companies to whom it provided the inaccurate information.

How to dispute an error on your credit report