Privacy Tip #139 – Update on Removing Your name from Offers of Credit or Insurance and Access to Disclosure Report from NCTUE

by Robinson+Cole Data Privacy + Security Insider

Last week’s Privacy Tip touched a nerve with many readers and I received numerous comments and thank you’s from loyal readers who also had no idea about NCTUE or that they could opt out of receiving all those pre-approval letters in the mail. It is amazing how so many of us, including those of us in the field, didn’t know about these rights.

The response prompted me to update everyone on what happened in the past week after I requested access to my report from the National Consumer Telecom & Utilities Exchange (NCTUE) and tried to permanently opt out from receiving pre-approved offers of credit or insurance.

In response to these two tasks, I received two pieces of snail mail. The first was the disclosure report that I requested from NCTUE. The report contained a lot of words to sift through, which prompted some empathy from me for non-lawyers trying to understand the message. Some interesting information provided included that “The NCTUE is a national, member-owned consumer reporting agency comprised of cable, electricity/power, phone, gas, water and pay TV providers. These members, through its database, exchange information on new-connect requests, defaults account payment history and fraudulent account activity.” I never knew this organization existed in addition to the four consumer reporting agencies or that it had a database on all new-connect requests. It definitely keeps a low profile.

After lots of legalese, on page 3, the disclosure report begins. I was immediately very disturbed because at the top of the page it listed my name, full Social Security number, address and date of birth! I remind you that they sent this document to me in the regular mail through the U. S. Postal Service. Not even a passing attempt to send minimally necessary information to me and redact my highly sensitive information to protect my privacy! Why do they need to send me my full Social Security number and date of birth? I already know it! And what about the fact that they disclosed my full Social Security number to all of their employees involved in processing my request? I was and am still appalled.

Needless to say, I am not happy. I am trying to protect my privacy and in the process, NCTUE increased my risk because of insecure practices.

For those of you have been asking me to describe the contents of the disclosure report, it goes on to list my mobile telephone carrier, my monthly charges and payments for the past year for my mobile telephone, and an old cable account, including the monthly amounts paid and that there is a 0 balance. This definitely was not worth the risk of NCTUE sending my full Social Security number through the regular mail. I am glad that I now know what is being disclosed for new-connect services, and I guess I am glad I can report to all of you that if you request your disclosure report, NCTUE is sending your full Social Security number and date of birth through the mail unsecured.

The second task I performed last week was to request that I no longer receive pre-approval letters for credit or insurance. Although I requested by telephone last week that my name and address be permanently removed from receiving pre-approval offers, I received a letter from the OPT-OUT DEPARTMENT stating that my “telephone request to remove your name from lists for firm offers of credit or insurance has been processed. Your name will be removed for five years from the lists the consumer credit reporting companies, Equifax, Experian, Innovis and TransUnion, provide to businesses that send firm offers of credit or insurance. If you would like to remove your name permanently from the firm offer lists that these consumer credit reporting companies provide to businesses, you must submit a written request. To do so, please sign and date this form and return it to the address listed below.” Which I have done and it is back in snail mail to the OPT-OUT DEPARTMENT. Now the credit reporting agencies will not be able to include my name and address, (for which they get paid) to financial institutions or insurance companies. I will keep you posted on whether I receive less mail.

So—if you asked to be permanently deleted from lists provided by the credit reporting agencies to the firms they are selling your information to, you have to fill out another report and mail it back to them. The good news is that this piece of mail from the OPT-OUT DEPARTMENT didn’t include any personal information except name and mailing address.

[View source.]

DISCLAIMER: Because of the generality of this update, the information provided herein may not be applicable in all situations and should not be acted upon without specific legal advice based on particular situations.

© Robinson+Cole Data Privacy + Security Insider | Attorney Advertising

Written by:

Robinson+Cole Data Privacy + Security Insider

Robinson+Cole Data Privacy + Security Insider on:

Readers' Choice 2017
Reporters on Deadline

"My best business intelligence, in one easy email…"

Your first step to building a free, personalized, morning email brief covering pertinent authors and topics on JD Supra:
Sign up using*

Already signed up? Log in here

*By using the service, you signify your acceptance of JD Supra's Privacy Policy.
Custom Email Digest
Privacy Policy (Updated: October 8, 2015):

JD Supra provides users with access to its legal industry publishing services (the "Service") through its website (the "Website") as well as through other sources. Our policies with regard to data collection and use of personal information of users of the Service, regardless of the manner in which users access the Service, and visitors to the Website are set forth in this statement ("Policy"). By using the Service, you signify your acceptance of this Policy.

Information Collection and Use by JD Supra

JD Supra collects users' names, companies, titles, e-mail address and industry. JD Supra also tracks the pages that users visit, logs IP addresses and aggregates non-personally identifiable user data and browser type. This data is gathered using cookies and other technologies.

The information and data collected is used to authenticate users and to send notifications relating to the Service, including email alerts to which users have subscribed; to manage the Service and Website, to improve the Service and to customize the user's experience. This information is also provided to the authors of the content to give them insight into their readership and help them to improve their content, so that it is most useful for our users.

JD Supra does not sell, rent or otherwise provide your details to third parties, other than to the authors of the content on JD Supra.

If you prefer not to enable cookies, you may change your browser settings to disable cookies; however, please note that rejecting cookies while visiting the Website may result in certain parts of the Website not operating correctly or as efficiently as if cookies were allowed.

Email Choice/Opt-out

Users who opt in to receive emails may choose to no longer receive e-mail updates and newsletters by selecting the "opt-out of future email" option in the email they receive from JD Supra or in their JD Supra account management screen.


JD Supra takes reasonable precautions to insure that user information is kept private. We restrict access to user information to those individuals who reasonably need access to perform their job functions, such as our third party email service, customer service personnel and technical staff. However, please note that no method of transmitting or storing data is completely secure and we cannot guarantee the security of user information. Unauthorized entry or use, hardware or software failure, and other factors may compromise the security of user information at any time.

If you have reason to believe that your interaction with us is no longer secure, you must immediately notify us of the problem by contacting us at In the unlikely event that we believe that the security of your user information in our possession or control may have been compromised, we may seek to notify you of that development and, if so, will endeavor to do so as promptly as practicable under the circumstances.

Sharing and Disclosure of Information JD Supra Collects

Except as otherwise described in this privacy statement, JD Supra will not disclose personal information to any third party unless we believe that disclosure is necessary to: (1) comply with applicable laws; (2) respond to governmental inquiries or requests; (3) comply with valid legal process; (4) protect the rights, privacy, safety or property of JD Supra, users of the Service, Website visitors or the public; (5) permit us to pursue available remedies or limit the damages that we may sustain; and (6) enforce our Terms & Conditions of Use.

In the event there is a change in the corporate structure of JD Supra such as, but not limited to, merger, consolidation, sale, liquidation or transfer of substantial assets, JD Supra may, in its sole discretion, transfer, sell or assign information collected on and through the Service to one or more affiliated or unaffiliated third parties.

Links to Other Websites

This Website and the Service may contain links to other websites. The operator of such other websites may collect information about you, including through cookies or other technologies. If you are using the Service through the Website and link to another site, you will leave the Website and this Policy will not apply to your use of and activity on those other sites. We encourage you to read the legal notices posted on those sites, including their privacy policies. We shall have no responsibility or liability for your visitation to, and the data collection and use practices of, such other sites. This Policy applies solely to the information collected in connection with your use of this Website and does not apply to any practices conducted offline or in connection with any other websites.

Changes in Our Privacy Policy

We reserve the right to change this Policy at any time. Please refer to the date at the top of this page to determine when this Policy was last revised. Any changes to our privacy policy will become effective upon posting of the revised policy on the Website. By continuing to use the Service or Website following such changes, you will be deemed to have agreed to such changes. If you do not agree with the terms of this Policy, as it may be amended from time to time, in whole or part, please do not continue using the Service or the Website.

Contacting JD Supra

If you have any questions about this privacy statement, the practices of this site, your dealings with this Web site, or if you would like to change any of the information you have provided to us, please contact us at:

- hide
*With LinkedIn, you don't need to create a separate login to manage your free JD Supra account, and we can make suggestions based on your needs and interests. We will not post anything on LinkedIn in your name. Or, sign up using your email address.