Jeff Duntemann's Contrapositive Diary Rotating Header Image

A Letter from NCTUE

Carol and I got a letter this afternoon from the National Consumer Telecom and Utilities Exchange (NCTUE), a subsidiary of Equifax based in Atlanta. As best I can tell (I’ve never heard of it before today) the NCTUE is a way for phone companies and utility companies to exchange data on deadbeat customers, so that when a guy who owes three grand to the phone company moves to another state, the phone company there can examine his application with a more critical eye and possibly deny the account. In that it’s a lot like a conventional credit reporting firm, albeit a vertical-market one.

The letter was very plain, not on any sort of letterhead, and relatively crude by my standards. (I could have set up a mail merge like that using a spreadsheet twenty years ago.) It did not come with a glossy explanatory flyer, as I would expect. The key message in the letter is this: According to Colorado law, a consumer reporting agency (like NCTUE) is required to send a free report to consumers who receive either:

  • Eight credit inquiries (no indication of a timeframe) from a telecom or utility firm; or
  • A single report that adds negative information to someone’s NCTUE file.

To receive a “free disclosure copy” of our report, it suggests that we either call the number 1-866-349-5185 or fill out the bottom third of the letter sheet and send it to:

Exchange Service Center – NCTUE
PO Box 105161
Atlanta GA 30348

The phone number is a robot that immediately asks for your social security number, and provides no option to speak to a human being. The sheet requires your social security number and date of birth, along with a signature. Needless to say, they’re not getting it. Carol and I have an autopay system for all telecom/utility payments, and we keep the autopay account well-stoked. Our use is fairly predictable, and nothing has changed in a long time. The account has plenty of money in it, and no bills have failed to be paid on time. (We checked.)

Interestingly, the NCTUE Web site is not accessible right now. When I try to go to, I get a “Bandwidth Limit Exceeded” message. What this suggests is that NCTUE is engaging in some shady marketing. If they recently dumped several million of these letters in the mail, their web site may well not be able to handle the traffic. I doubt that we got the letter because of some mistake in our own payment management. I’m guessing that gazillions of people got the same letter, and they all arrived today, and everybody is trying to go up there at once and see WTF is going on.

Either that, or they’ve pissed off enough people to earn a DDOS attack…but somehow I doubt it.

It’s unclear what NCTUE is trying to sell, and I’ll keep investigating. I’m guessing Equifax (their parent company) is trying to hawk some kind of credit protection plan, but since I won’t hand them my SS number, it’s hard to tell. In the meantime, I’d be interested in hearing if you’ve received this letter and what, if anything, you’ve done in response.

UPDATE 3/11/2012: One thing I forgot to ask people to mention in their comments: Are you in Colorado? I’m trying to determine if this effort on NCTUE’s part (whatever it turns out to be) depends on some quirk in Colorado law, or if it’s national in scope.

Also, read my next entry, for 3/11/2012!


  1. Katrina Carlson says:

    I got one too. I think it’s a scam and even if not, I’d be an idiot to provide my SSN, name and DOB to some unknown number or PO just because the letter is stamped with the Equifax logo. Anyone could do that.

    1. Katrina Carlson says:

      Oh, and also… Equifax has an online form for obtaining your credit report which is probably the channel most often used for such. So why wouldn’t they list a website option on the letter? I’m guessing it’s because that’s harder to produce and easier to track.

  2. BOL says:

    NCTUE was just sued for allegedly not removing false information from a NCTUE credit report.

  3. Gabriele Radtke says:

    I got one just yesterday. Same thing at least 8 inquiries… Really, I pay my utilities including cable via monthly bank draft! No way are they getting my SSN or anything else for that matter

  4. Veloy Grimm says:

    Recvd letter today 10/27. Tried calling number on top of letter which asked for social security. Hung up and started looking at other items until I found your doc. From Iowa

  5. Teresa says:

    My letter is dated 1-17-2017 and has a Colorado address with a Arizona zip code. Either the post office or dmv or both are selling people’s information for these scammers to purchase. No legitimate agency is going to send a crappy vague letter that you write your SS and DOB and send to a PO BOX! People BEWARE this IS a scam to obtain your personal information. Do not respond, throw letter in the garbage!

  6. VJ says:

    I got a letter from DISH networks telling me that I didn’t qualify for their best deals because (among other reasons) the fact that I don’t have “enough information on balances reported in last 6 months on NCTUE.” The Better Business Bureau gives NCTUE a “B” rating and shows the HQ is in Atlanta (with a street address and a “drop” number– what does that tell you?). Sounds like a scam to me, even if it is a subsidiary of Experian.

  7. Dan says:

    I got one today dated 4-11-17. This has got to be a scam

Leave a Reply

Your email address will not be published. Required fields are marked *