Consumer complaint received 2023-12-14
Company: Early Warning Services, LLC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Early warning gave out wrong information on the accts that want accurate i got denied of old information i refuse to pay any debt they saying they not negative but its stoping me from opening acccount without my knowleged... its has old reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Comprehensive File Disclosure This report was prepared for XXXX XXXX on XX/XX/XXXX. 
Please provide this Consumer ID Number, along with your Name, Social Security number or Tax ID number, in any future contact with Early Warning. 
Consumer ID : XXXX Information You Provided This section displays the information you provided Early Warning for the purposes of preparing this report. 

XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone XXXX FAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX State identification XXXX Name : Address : Date of Birth : SSN : ID Type : ID Number : Understanding Your File Disclosure The personal information you provide to Early Warning will only be used to respond to your request for a consumer file disclosure. Early Warning does not share or sell this information to any unauthorized parties. 

This file disclosure contains the information in your file that has been furnished to Early Warning by its participating financial institutions, and which is maintained by Early Warning in its databases. If you believe any information in your file to be inaccurate or incomplete, you may dispute that information as outlined in this disclosure. 

XXXX Early Warning Services. All Rights Reserved. Confidential and proprietary Comprehensive Report The following section refers to transactions related to your bank account ( s ). See the definitions section of this report for additional information. 
Bank Name : XXXX XXXX  Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Closed-Purged Previous Account Status : Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX, XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX : XXXX XXXX of Birth : XX/XX/XXXX ID # : XXXX ID Type : XXXX Email Addresses : XXXX Status History Status as of XX/XX/XXXX : Closed-Purged Status as of XX/XX/XXXX : Closed Status as of XX/XX/XXXX : Pending Closed Bank Name : XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Savings Closed-Purged Previous Account Status : Savings Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX,, Phone : XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX : XXXX XXXX XXXX Birth XXXX XX/XX/XXXX ID # XXXX XXXX ID Type : XXXX Email Addresses : XXXX Status History Status as of XX/XX/XXXX : Savings Closed-Purged Status as of XX/XX/XXXX : Savings Closed Status as of XX/XX/XXXX : Savings Pending Closed Bank Name : XXXX XXXXXXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Closed-Purged Previous Account Status : Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX, XXXX, Address : XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX, CA XXXX XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX ID XXXX XXXX XXXX ID XXXX XXXX XXXX ID State : CA ID Expire Date : XX/XX/XXXX Email Addresses : XXXX Status History Status as of XX/XX/XXXX : Closed-Purged Status as of XX/XX/XXXX : Closed Status as of XX/XX/XXXX : Pending Closed Status as of XX/XX/XXXX : Post No Debits XXXX Early Warning Services. All Rights Reserved. Confidential and proprietary Page 2 of 12 Comprehensive Report Status as of XX/XX/XXXX : Present Status as of XX/XX/XXXX : New Account Status as of XX/XX/XXXX : New Account Bank Name : XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Savings Closed-Purged Previous Account Status : Savings Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX, XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : STATE ID State : CA ID Expire Date : XX/XX/XXXX Email Addresses : XXXX Status History Status as of XX/XX/XXXX : Savings Closed-Purged Status as of XX/XX/XXXX : Savings Closed Status as of XX/XX/XXXX : Savings Pending Closed Status as of XX/XX/XXXX : Savings Post No Debits Status as of XX/XX/XXXX : Savings Present Status as of XX/XX/XXXX : Savings New Account Status as of XX/XX/XXXX : Savings New Account XXXX Type Date Account Number Check Number Amount Return Reason Return Transactions ACH XX/XX/XXXX XXXX {$0.00} Other Item Bank Name : XXXX XXXXXXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX Current Account Status : Savings Present Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXXXXXX XXXX XXXX Phone XXXX XXXX Address : XXXX With XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX : XXXX Email Addresses : XXXX Status History Status as of XX/XX/XXXX : Savings Present Bank Name : XXXX XXXX  Bank Routing # : XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Name : XXXXXXXX XXXX XXXXXXXX Phone XXXX XXXX Phone : XXXX XXXX : XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : XXXX ID State : CA ID Expire Date : XX/XX/XXXX XXXX Early Warning Services. All Rights Reserved. Confidential and proprietary Page 3 of 12 Comprehensive Report Bank Name : XXXX XXXX  Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Name : XXXX, XXXXXXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX Bank Name : XXXX Bank Routing XXXX XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX Name : XXXX, XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Bank Name : XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Closed-Purged Previous Account Status : Closed Date of Last Status Change : XX/XX/XXXX Name : XXXXXXXX XXXX XXXX Phone : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXX XXXX Birth XXXX XX/XX/XXXX ID # : XXXX ID Type : STATE ID State : CA ID Expire Date : XX/XX/XXXX Email Addresses : XXXX Status History Status as of XX/XX/XXXX : Closed-Purged Status as of XX/XX/XXXX : Closed Status as of XX/XX/XXXX : Pending Closed Status as of XX/XX/XXXX : Post No Debits Status as of XX/XX/XXXX : New Account Bank Name : XXXXXXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX XXXX XXXX : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Closed-Purged Previous Account Status : Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX Email Addresses XXXX XXXX Status History Status as of XX/XX/XXXX : Closed-Purged Status as of XX/XX/XXXX : Closed Status as of XX/XX/XXXX : Overdrawn Status as of XX/XX/XXXX : Overdrawn Status as of XX/XX/XXXX : Present Status as of XX/XX/XXXX : Overdrawn Status as of XX/XX/XXXX : Overdrawn Status as of XX/XX/XXXX : Present Status as of XX/XX/XXXX : Overdrawn XXXX Early Warning Services. All Rights Reserved. Confidential and proprietary Page 4 of 12 Comprehensive Report Status as of XX/XX/XXXX : Overdrawn Status as of XX/XX/XXXX : Present Status as of XX/XX/XXXX : Overdrawn Status as of XX/XX/XXXX : Overdrawn Status as of XX/XX/XXXX : Present Status as of XX/XX/XXXX : Overdrawn Status as of XX/XX/XXXX : Overdrawn Status as of XX/XX/XXXX : Present Status as of XX/XX/XXXX : New Account Status as of XX/XX/XXXX : Overdrawn Status as of XX/XX/XXXX : Overdrawn Status as of XX/XX/XXXX : New Account Status as of XX/XX/XXXX : Overdrawn Status as of XX/XX/XXXX : Overdrawn Status as of XX/XX/XXXX : New Account Status as of XX/XX/XXXX : New Account Status as of XX/XX/XXXX : Overdrawn Status as of XX/XX/XXXX : Overdrawn Status as of XX/XX/XXXX : New Account Status as of XX/XX/XXXX : New Account Status as of XX/XX/XXXX : Overdrawn Status as of XX/XX/XXXX : Overdrawn New Account Status as of XX/XX/XXXX : New Account Status as of XX/XX/XXXX : New Account Balance Information : Date Balance Interest Paid XX/XX/XXXX {$0.00} {$0.00} XX/XX/XXXX ( {$140.00} ) {$0.00} XX/XX/XXXX ( {$340.00} ) {$0.00} XX/XX/XXXX ( {$200.00} ) {$0.00} XX/XX/XXXX {$1100.00} {$0.00} XX/XX/XXXX {$390.00} {$0.00} XX/XX/XXXX {$630.00} {$0.00} XX/XX/XXXX {$0.00} {$0.00} XX/XX/XXXX {$2600.00} {$0.00} XX/XX/XXXX {$670.00} {$0.00} Bank Name : XXXX XXXXXXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Savings Closed For Cause-Purged Previous Account Status : Savings Closed For Cause Date of Last Status Change : XX/XX/XXXX Name : XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX Email Addresses : XXXX Status History XXXX Early Warning Services. All Rights Reserved. Confidential and proprietary Page 5 of 12 Comprehensive Report Status as of XX/XX/XXXX : Savings Closed For Cause-Purged Status as of XX/XX/XXXX : Savings Closed For Cause Status as of XX/XX/XXXX : Savings Present Status as of XX/XX/XXXX : Savings Overdrawn Status as of XX/XX/XXXX : Savings New Account Status as of XX/XX/XXXX : Savings New Account Status as of XX/XX/XXXX : Savings New Account Status as of XX/XX/XXXX : Savings New Account Balance Information : Date Balance Interest Paid XX/XX/XXXX {$0.00} {$0.00} XX/XX/XXXX {$20.00} {$0.00} XX/XX/XXXX {$20.00} {$0.00} XX/XX/XXXX {$0.00} {$0.00} XX/XX/XXXX {$0.00} {$0.00} XX/XX/XXXX {$550.00} {$0.00} XX/XX/XXXX {$0.00} {$0.00} XX/XX/XXXX {$3000.00} {$0.00} XX/XX/XXXX {$100.00} {$0.00} The following entities have accessed information about you up to the last thirty-six months. 
Inquirer Name Inquirer Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX SOCIAL SECURITY ADMINISTRATION via XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX SOCIAL SECURITY ADMINISTRATION via XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Early Warning Services. All Rights Reserved. Confidential and proprietary

Company response to consumer: Closed with explanation