Product: Credit reporting, credit repair services, or other personal consumer reports

I recently tried to open a personal bank account with XXXX XXXX and was denied. The response received in the mail stated that I needed to contact " Early Warning ''. Early Warning was contacted and I was provided a copy of my " consumer report '' and was informed that an investigation was going to be conducted in my fraud claim and I would receive a follow up response. Shortly afterwards, I received mail correspondence from " Early Warning '' stating that a re-investigation was conducted and they confirmed that I was responsible for the fraudulent activity. This is false information and I do not believe that I was provided a thorough and accurate investigation into my claim. 

There were several checks for large amounts deposited into XXXX XXXX XXXXXXXX. How were these checks deposited, in-store, ATM, or online? Is there video footage or surveillance to verify that I was the individual to submit these checks? Where is the verification these checks were submitted by myself? It states the verification process was used with my identification card, but were these accounts opened in person or online? How was it verified that I opened the account or that my information was being fraudulently misused by another individual? 

The only account I take full responsibility is XXXX XXXX and the account was closed due to lack of use. 

I've never tried to open any of these other accounts and have not been aware of any of these charges. I have submitted a rebuttal with " Early Warning '', but they keep responding with the same information because I am unable to provide documentation or any form of proof that I am not the individual responsible for these fraudulent accounts. How would I have any information or documentation if I was not the one responsible nor did I have any knowledge of them. I am a victim of fraud but being treated as if I conducted these fradulent acts because I do not have anyway to protect myself or prove my innocence. 

The burden of proof is on " Early Warning '' or these banks who have furnished this information to show that it was " actually '' myself that have open these accounts and conducted this fradulent activity and they have all failed to do so. 

I have been unable to resolve this issue because each time I have contacted the bank, they pass the responsibility onto " Early Warning '' and when I contact " Early Warning '', they pass the responsibility back to the banks. 

I recently moved from XXXX, XXXX  to XXXX, XXXX  for new employment and that is the reasoning for trying to open a new bank account with XXXX XXXX. If it was not for that, I would have not known about these other accounts. I am a XXXX XXXX XXXX female who has absolutely no knowledge of how any of this stuff works, but I know that I did not open these accounts nor am I responsible for any of the fraudulent activity that was conducted on them. 

Additionally, I will also be reporting this information to XXXX to have a fraud alert placed on my account. 

I am respectfully asking someone to please " actually '' look into this matter because these accounts are not mine and I am not responsible for them. I have not received ANY verification besides the account information. That is not verification, that is only showing the activity on these accounts, that do not verify or confirm my responsibility.