Credit Agencies, Including NCTUE, Face New FCRA Allegations
Defendant Experian, with the consent of co-defendants Equifax and the National Consumer Telecom & Utilities Exchange (NCTUE), removed to U.S. District Court for Colorado Monday a Jan. 31 complaint (docket 1:23-cv-00371) from state court alleging violations of the Fair Credit…
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Reporting Act for allowing “mixed and merged” credit files to perpetuate. NCTUE is a credit reporting agency that maintains payment and account history for its member service providers in the telecom, pay TV and utility industries. A mixed file is when the credit information for one consumer is placed in the file of another, creating a false description of both consumers’ credit histories. A merged file is combining the credit histories of two or more consumers into the file of a single individual. Plaintiff Paula Jackson alleges the three defendants “entered into multiple consent orders” with various government agencies to improve their practices on mixed and merged files, “and yet the problem still has not gotten any better” due to the faulty algorithms they use. Jackson never got a response from Experian to any of her disputes, and the only response she got from NCTUE and Equifax was a letter saying they could not locate a file on her, said her complaint.