Consumer complaint received 2023-06-02
Company: Early Warning Services, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX Early Warning XXXX XXXX XXXX XXXX XXXX, AZ XXXX Consumer ID : XXXX Reported For : SUSPECTED FRAUD ACTIVITY ; ANY AMOUNTS OWED HAVE BEEN PAID Reported Name : XXXX XXXX Reported Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX REPORTED SSN/ID : XXXX Drivers License : XXXX STATE : TX Date of Closure : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX / XXXX Original Charge Off Amount : {$220.00} Closure Status : PAID IN FULL Closure Status Date : XX/XX/XXXX XX/XX/XXXX EARLY WARNING, The above entry where SUSPECTED FRAUD ACTIVITY. is being reported by you ( EARLY WARNING ) from information you ( EARLY WARNING ) received from XXXX XXXXXXXX XXXX. 

I have requested twice in the past 75 days that you validate this information with documentation from XXXX XXXX XXXX. Validate or delete as soon as possible. In both instances you ( EARLY WARNING ) have failed to provide any documented proof that the data record you are reporting is accurate. Moreover, you claimed that I asked you to provide documentation or transactional data to validate the information. I need not explain to you ( EARLY WARNING ) that you simply house the information provided to you from institutions such as XXXX XXXX XXXXXXXX. 

However, EARLY WARNING is required under FCRA to conduct thorough investigation which would include gathering documentation and/or statements from those have this information. When a investigation fails to produce accurate data and/or documentation as to the validity of the reporting record, that record must be deleted within the thirty day as prescribed by FCRA. 

EARLY WARNING has failed to provide the required documentation from XXXX XXXXXXXX XXXX and subsequently failed to delete the inaccurate information as requested by me the consumer. Since this demonstrates a pattern and behavior to disregard what FCRA has required you to do and remain a repository of accurate data of consumer records, EARLY WARNING is in violation of FCRA codes. 

Therefore, I am demanding that every record EARLY WARNING has on file with records to me be thoroughly investigated and validated with documentation and/or transaction records. Validate all of my records and data or delete every item or record that can not be validated that EARLY WARNING is reporting to and from other financial institutions. VALIDATE or DELETE, your only two options. 

A simple overdraft does not constitute fraud. Moreover, any fraudulent act must also demonstrate intent. This is why that XXXX XXXX XXXXXXXX must produce any and all documentation that would warrant suspected fraud. Suspected fraud without documentation is not fraud at all thus XXXX XXXX XXXXXXXX intent is to cause harm to me the consumer in this case. When did XXXX XXXX XXXXXXXX notify me, the consumer, of this adverse information as required under FCRA. This is something a thorough investigation would have discovered if EARLY WARNING had completed as described by FCRA. 

Since EARLY WARNING SYSTEM has repeated the inaccurate information, this has caused additional harm to me, the consumer. 

Provide me, the consumer, with valid documentation and/or data for every record you have on file about me or record of deletion where no documentation can be provided to EARLY WARNING from the reporting banking institution. Failure to do so will allow me seek legal damage for any and all records that EARLY WARNING has failed to validate and conduct thorough investigation.

This false information has caused me financial and mental harm since you ( EARLY WARNING ) has refused to correct or delete this false information. I am unable to open another checking account due to the SUSPECTED FRAUD ACTIVITY that XXXX XXXX XXXXXXXX has noted on this closed account without any documentation demonstrating fraudulent activity. I demand that XXXX XXXX XXXXXXXX forward valid documentation of fraud or delete the account as required under FCRA. 

Attached : Consumer file [ DISPUTING ALL DATA IN CONSUMER FILE ( 30 Days to complete ) ] Dispute XXXX XXXX XXXX : State Attorney General Consumer Financial Protection Bureau XXXX XXXX XXXX  Federal Trade Commission

Company response to consumer: Closed with explanation