Product: Credit reporting or other personal consumer reports

Dear Early Warnings, This letter is in direct response to your baseless claim that my dispute is frivolous and lacks new or additional information. This claim is not only factually incorrect, but it also highlights the blatant disregard for both the Fair Credit Reporting Act ( FCRA ) and your obligations under the Consumer Financial Protection Act ( CFPA ). Let me make this clearyour attempts to dismiss my legitimate dispute with misleading and legally insufficient responses will not be tolerated. 

I have already provided a notarized affidavit under penalty of perjury, which clearly states that the disputed accounts are not mine. This legal document is a sworn statement, and your failure to address it appropriately constitutes a failure to conduct a reasonable reinvestigation as required by the FCRA ( 15 U.S. Code 1681i ( a ) ( 1 ) ). The fact that youve dismissed this affidavit as no new information shows your blatant failure to follow legal procedures and meet the standards established by consumer protection law. 

Let me be very clear : if Early Warnings continues to ignore my notarized affidavit and refuses to conduct a thorough investigation under penalty of perjury, I will escalate this matter both through the CFPB and pursue legal action for violations under federal law.

Additionally, it is of great significance that Early Warnings is being actively sued by the CFPB for its failure to conduct thorough investigations, as well as for its failure to verify consumer information correctly. As of XX/XX/year>, the CFPB filed a lawsuit against XXXX XXXX XXXX ( EWS ) for violations of the Fair Credit Reporting Act ( FCRA ), specifically citing : Failure to conduct reasonable investigations of consumer disputes, as outlined in 15 U.S. Code 1681i ( a ) ( 1 ).

Failure to provide proper methods of verification when requested, under 15 U.S. Code 1681i ( a ) ( 7 ).

Failure to maintain and report accurate information, under 15 U.S. Code 1681e ( b ).

Early Warnings Services is also under scrutiny due to its failure to meet the requirements laid out by the Consumer Financial Protection Act ( XXXX ), which mandates fair and transparent processes for consumer dispute resolution. This noncompliance is a direct violation of the XXXX, and I am entitled to pursue legal remedies as outlined by these laws. 

Moreover, I want to bring to your attention that XXXX XXXX XXXX is also a key player in the disputed information, as they are directly related to the accounts I have disputed. XXXX  XXXX XXXX, which is being sued and Early Warning for similar violations, is also facing legal action from the CFPB regarding their role in unfair, deceptive, or abusive practices ( UDAAP ) under the CFPA. XXXX  XXXX XXXX connection to Early Warnings further complicates this dispute, as their failure to comply with the CFPB regulations is also a matter I am pursuing. 


1. Reinvestigation Under Penalty of Perjury : I demand a complete reinvestigation of my dispute under penalty of perjury, as per 15 U.S. Code 1681i ( a ). Your response must include the method of verification used and any supporting documentation as required by FCRA. DO NOT ACCEPT THE FINDINGS OF FUNISHERS WHO DO NOT PROVIDE THOROUGH RESULTS OF THEIR INVESTIGATION WHICH I WILL ASK YOU TO ME VIA MAIL SO DELETE THE DISPUTED INFORMATION WITHIN THE TIMELINE PROVIDED BY FEDERAL LAW 2. Legal Obligations Under the FCRA, CFPA, and As you are fully aware, Early Warnings is under legal scrutiny by the CFPB for violations of the FCRA and CFPA. I will not stand by as my rights continue to be violated, and I expect you to resolve this matter promptly and legally. 
XXXX. XXXX XXXX XXXX Role : XXXX  XXXX XXXX is also implicated in this matter. As a major furnisher of information, their failure to comply with FCRA, CFPA, and UDAAP regulations further complicates this issue. If Early Warnings and XXXX  XXXX XXXX continue to fail in their legal obligations, I will hold them accountable through all available legal remedies. 

Immediate Action Required : If Early Warnings continue to dismiss my legitimate disputes, demand that you resolve this issue immediately, as further delay will only result in further legal consequences for your failure to act in good faith and in compliance with the law.