Product: Credit reporting or other personal consumer reports

I am filing a complaint against Early Warning LLC. On XX/XX/year> I contacted Early Warning LLC to file a dispute and to put a freeze on my consumer report. I was told by the Early Warning representative that I could not file a dispute. I was told that Early Warning LLC does not place freezes on consumer reports. I was also told that my dispute would not qualify under the law so I could not file a dispute. I was told by the Early Warning representative that XXXX XXXX XXXX has the last say in whether the item is removed or remains on my consumer report. However, the Early Warning LLC representative refused to let me file a dispute. The representative only gave me the option to get a consumer report. After I insisted on a dispute the call was disconnected.

The account that is in dispute is the XXXX XXXX XXXXXXXX account that has been reported to Early Warning LLC for account abuse for the amount of {$430.00}. The amount stems from a situation with XXXX XXXX XXXX. My XXXX set up a rental for me because my vehicle was totaled in an accident. I had rental insurance. When I arrived at XXXX the reservation was already made through the insurance company. I was asked for 2 forms of identification. I provided my NYS Drivers License. I did not have a second form of ID and I was told by the XXXX representative that a debit or credit card would be sufficient. I specifically asked will there be any charges on my card and I was told no because the insurance is taking care of the rental charges. 

When the rental contract ended I received several calls from XXXX asking for payment. I informed them that I spoke with the claim examiner and she is cutting a check to XXXX as we speak. The XXXX representative decided to charge my card because she got tired of waiting for the check to be sent by the claim examiner and wanted to rush and close the rental contract. I did not authorize this transaction. I was told by XXXX that needed to see a second form of identification. Instead, my card information was copied and used. Three days later XXXX received payment from my insurance company and never returned the money that was fraudulently taken from my XXXX XXXX XXXXXXXX account. I notified XXXX XXXX XXXXXXXX and informed them that the charge of {$430.00} that was placed on my account was invalid. I notified XXXX XXXXXXXX XXXX that XXXX stated that they need a second form of identification and I was told I can use a debit or credit card to verify myself. I also informed XXXX XXXX XXXXXXXX that my insurance claim paid XXXX for the charges during the rental time that I had the rental. I provided proof to XXXX XXXX  XXXX that XXXX did not have authorization to charge my account. 

I also informed XXXX XXXX XXXXXXXX that I declined overdraft protection. This is a feature that allows you to overdraft your account when no money is available in your account. I declined this feature which means that the XXXX transaction should never have gone through. 

XXXX has been paid twice, once through my insurance company and by submitting charges to XXXX XXXX XXXXXXXX and fraudulently charging my account. XXXX XXXX XXXXXXXX failed to help me recover the money back from XXXX which left me with a negative balance on my XXXX XXXX XXXXXXXX account of {$430.00}. If I did not authorize the charges, XXXX XXXX XXXXXXXX should have requested the funds back from XXXX, which they have not done. XXXX also made over XXXX attempts to take funds from my XXXX XXXX XXXXXXXX account amounts ranging from {$100.00} to {$600.00}. When I disputed these charges with XXXX XXXX XXXX I was asked by XXXX XXXX XXXX if I had a copy of the check that XXXX sent to XXXX. I informed the representative that I would reach out to XXXX to see if I could get a copy of the check. XXXX provided me with a check number because they did not have a copy of the check. I called XXXX XXXX XXXX back and provided them with the check number and I was told that the check number was sufficient evidence. I later discovered that XXXX XXXXXXXX XXXX rejected the dispute. I reached out to XXXX for a refund back to my XXXX XXXX XXXXXXXX account because they were paid by XXXX and they would not provide my refund. On multiple occasions, I informed XXXX XXXXXXXX XXXX to reverse the charges and to get the funds back from XXXX and they refused. Instead, XXXX XXXX XXXXXXXX left me with the charge on my account and reported me for account abuse. The total charge that was placed on my XXXX XXXX XXXX account for the XXXX charge was $ XXXX had a total of XXXX dollars taken from my XXXX XXXXXXXX XXXX account and placed towards the unauthorized XXXX charge XXXX This complaint is against Early Warning System and XXXX XXXX XXXXXXXX. I plan on filing a separate complaint against XXXX, XXXX was paid a total of {$1100.00} by XXXX.