Consumer complaint received 2023-09-23
Company: Early Warning Services, LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
TO : Early Warning XXXX XXXX XXXX XXXX XXXX, AZ XXXX Con ID # : XXXX NOTICE OF DEFAULT ; LAST CHANCE TO CURE Consumer Identification Number : XXXX NOTICE TO EARLY WARNING CEO CFO and/or ANY PARTY WITH THE POWER TO EXECUTE MY REQUEST : NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO XXXX XXXX XXXX XXXX XXXXAgent here on behalf of XXXX XXXX hereby accepts all titles, rights, interest and equity owed to the XXXX XXXX. 
I have chose the FTC to handle this affair. .I was sent from the FTC website to the CFPB website to submit this report.

15 U.S. Code 1681s - Administrative enforcement ( a ) Enforcement by Federal Trade Commission ( 1 ) In general The Federal Trade Commission shall be authorized to enforce compliance with the requirements imposed by this subchapter under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ), with respect to consumer reporting agencies and all other persons subject thereto, except to the extent that enforcement of the requirements imposed under this subchapter is specifically committed to some other Government agency under any of subparagraphs ( A ) through ( G ) of subsection ( b ) ( 1 ), and subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], subsection ( b ). [ 1 ] For the purpose of the exercise by the Federal Trade Commission of its functions and powers under the Federal Trade Commission Act, a violation of any requirement or prohibition imposed under this subchapter shall constitute an unfair or deceptive act or practice in commerce, in violation of section 5 ( a ) of the Federal Trade Commission Act ( 15 U.S.C. 45 ( a ) ), and shall be subject to enforcement by the Federal Trade Commission under section 5 ( b ) of that Act [ 15 U.S.C. 45 ( b ) ] with respect to any consumer reporting agency or person that is subject to enforcement by the Federal Trade Commission pursuant to this subsection, irrespective of whether that person is engaged in commerce or meets any other jurisdictional tests under the Federal Trade Commission Act. The Federal Trade Commission shall have such procedural, investigative, and enforcement powers, including the power to issue procedural rules in enforcing compliance with the requirements imposed under this subchapter and to require the filing of reports, the production of documents, and the appearance of witnesses, as though the applicable terms and conditions of the Federal Trade Commission Act were part of this subchapter. Any person violating any of the provisions of this subchapter shall be subject to the penalties and entitled to the privileges and immunities provided in the Federal Trade Commission Act as though the applicable terms and provisions of such Act are part of this subchapter.

( 2 ) Penalties ( A ) Knowing violations Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this subchapter, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this subchapter. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

I have sent out XXXX letters demanding that EARLY WARNING remove outdated and/or inaccurate information from the XXXX RITTERPrincipals Report XXXX in contact XX/XX/XXXX Sent letter XX/XX/XXXX requesting that my information be updated. They sent back investigation results as if I disputed something. I never asked them to investigate. Thats a clear violation. 


I was also told that upon written request I would be sent an updated copy of my early warnings report, but I have already requested it and XXXX received it. 


Also, information is being furnished without my written request. This all spurs from a letter received from XXXX XXXX about adverse action in granting me a bank account. I was notified that they made their decision based upon information provided by you. This violates XXXX XXXX XXXX XXXX I never gave my written authority to relinquish information. 

I then order my report and I choose not to dispute information but rather to update personal information. I also requested a new report be sent to me. Neither was done. This makes me suspect that Early Warnings is tampering with my information. This is affecting my life in a negative manner. I have not been able to open a business account since XXXX. 


I received XXXX emails ( XX/XX/XXXX XX/XX/XXXX ) that included dispute information. My issue is that I never asked for anything to be disputed. I SPECIFICALLY said that I was not disputing information. I was simply updating personal identifying information on my EWS Report that was inaccurate or outdated. 

XXXX account that was mentioned was disputed before and even removed from my XXXX XXXX report. The other account that was mentioned is one I am not familiar with.

As a consumer I am wondering how many times my consumer rights have been violated. Two of the letters I've sent have been notarized. I also have certified receipts of proof that I have been sending mail. 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( XXXX ) such amount of punitive damages as the court XXXX allow ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 


EARLY WARNING is aware that the XXXX XXXX was not disputing any items. I have evidence through mail correspondence that the items that are allegedly disputed, are in fact not mentioned by Principal as needing to be altered, as well as evidence that it was made clear that no items were being disputed. Items were simply being updated. EARLY WARNING is deciding not to remove inaccurate and/or outdated information from the XXXX XXXX  report purposely. EARLY WARNING is violating Federal Law. 

Here is what I Demand : What I would like is the information I requested to be removed from my file, including the following items : Name : XXXX XXXX XXXX Phone Number : XXXX Email : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX remove these items because they are outdated and/or inaccurate. Again, no information is being disputed, I AM SIMPLY UPDATING XXXX XXXX personal information on the report so that it is accurate and up to date. 

I also demanding " EARLY WARNINGS '' to pay {$1000.00} in damages pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance. 

I have been communicating with " EARLY WANRINGS '' for too long to not have a remedy. 

Once this is done please send me an updated new copy of the XXXX XXXX report by email to XXXX and by United States Postal Service to address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX Also, send a check for {$1000.00} to United States Postal Service to address : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Ga XXXX I hereby instruct CEO CFO and/or ANY PARTY WITH THE POWER TO EXECUTE MY REQUEST for EARLY WARNING to respond in writing if these instructions can not be completed. You have five business days. If I do not receive anything in five business days I can assume these instructions have been successfully performed. 


BY : XXXX XXXX XXXX FOR : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation