Consumer complaint received 2021-02-15
Company: Early Warning Services, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In XXXX XXXX, I tried to link XXXX savings account to XXXX to make IRA contribution for XXXX. Got a notice from XXXX " We're sorry, but we're unable to verify your bank account information. In evaluating your request, Early Warning ( a consumer reporting agency ) provided us with information that influenced our decision to not link your bank account. Early Warning played no part in our decision and is unable to supply specific reasons why we weren't able to add your bank account '' XXXX XXXX, XXXX : Called Early Warning to request consumer report. 
XXXX XXXX XXXX : Received Filed Disclosure report and found that my ITIN was incorrectly listed as my SSN so I requested dispute by secure mail. My messages to Early Warning were correctly labelled as a dispute and contained all of the required documentary evidence for Early Warning to Correct the report on XX/XX/XXXX. 
XXXX XXXX, XXXX : Called Early Warning and confirmed that Early Warning received my dispute request email. 
XXXX XXXX, XXXX : Called Early Warning to follow up on the dispute progress and was told by a representative that there was no dispute recorded. 
XXXX XXXX, XXXX : Called Early Warning just to learn there was no dispute in the process. The responding agent escalated this issue to the supervisor and they finally started the dispute process started as of XXXX XXXX, and was told it would be closed within 30 days that I sent the initial dispute request mail. 
XXXX XXXX, XXXX : Supervisor called me to apologize and admitted their mistakes. Once it got the supervisors attention, she talked to the manager at dispute department and confirmed that it was definitely dispute case and thats why they started dispute process on XXXX XXXX. 
XXXX XXXX, XXXX : Received dispute result letter which says all information on my file is accurate. Early Warning has not changed my SSN. I talked to XXXX to confirm that XXXX has the correct information on me and that XXXX sent all updated information on me to Early Warning on XXXX XXXX. 

However, as of XX/XX/XXXX, I still cant link my XXXX savings account to my XXXX IRA account because Early Warning can not verify the ownership of my XXXX account. I got the same message. We're sorry, but we're unable to verify your bank account information. In evaluating your request, Early Warning ( a consumer reporting agency ) provided us with information that influenced our decision to not link your bank account. Early Warning played no part in our decision and is unable to supply specific reasons why we weren't able to add your bank account Seems like still some information on my consumer report is wrong and not updated. 
Now Early Warning told me to wait another 15 days to see the report and I have to start dispute again if I find wrong information on my consumer report. This is another 45 day process. 

Is it so hard to recognize whether it is a case for dispute or not? 
One person who seems like lack of work knowledge just decided it is not dispute case and closed the case without informing to consumer. Took time and several phone calls to start dispute. After 39 days, still the issue is not solved. Is it that hard to change SSN on the consumer report? 

Got response from XXXX on XXXX XXXX, XXXX as below which actually came from Early Warning but that is a lie. They didnt start dispute until XXXX XXXX when I complained and the issue was escalated.

Company response to consumer: Closed with explanation