Consumer complaint received 2023-11-14
Company: Early Warning Services, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX I sent a formal request via USPS tracking number ( XXXX ) to have a security freeze placed on my consumer report to EARLY WARNING SERVICES , LLC. AZ Entity ID XXXX ( found on XXXX XXXX XXXX  ) whose address is, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, AZ XXXX XXXX found on XXXX XXXX XXXX ). The same address that is found on their site when requesting information about your consumer report ( https : XXXX XXXX  XXXX ). 

EARLY WARNING SERVICES , LLC is in fact a consumer reporting agency as classified under the federal Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( FCRA ). This is also backed up by EARLY WARNING SERVICES , LLC themselves under official court documents titled, XXXX XXXX Early Warning Services , LLC ( XXXX ) ( XXXX XXXX XXXX ). Siting document # XXXX with a " filed on date '' of XX/XX/XXXX. From the introduction and I quote, " EWS is a nationwide specialty consumer reporting agency ( CRA ) and as such, is governed by the federal Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( FCRA ). '' Via USPS tracking number XXXX said formal request was signed for By : XXXX XXXX XXXXXXXX XXXX XXXX XXXX AZ XXXX // XXXX XXXX on XX/XX/XXXX. Per 15 U.S.C. 1681c-1 [ ( i ) ( 2 ) ( A ) ] and I quote " In general. Upon receiving a direct request from a consumer that a consumer reporting agency place a security freeze, and upon receiving proper identification from the consumer, the consumer reporting agency shall, free of charge, place the security freeze not later than ( i ) in the case of a request that is by toll-free telephone or secure electronic means, 1 business day after receiving the request directly from the consumer; or ( ii ) in the case of a request that is by mail, 3 business days after receiving the request directly from the consumer. '' and per 15 U.S.C. 1681c-1 [ ( i ) ( 2 ) ( B ) ] and I quote " Confirmation and additional information. Not later than 5 business days after placing a security freeze under subparagraph ( A ), a consumer reporting agency shall ( i ) send confirmation of the placement to the consumer ; and ( ii ) inform the consumer of ( I ) the process by which the consumer may remove the security freeze, including a mechanism to authenticate the consumer ; and ( II ) the consumers right described in section 615 ( d ) ( 1 ) ( D ). ". 

Today is XX/XX/XXXX and I have still yet to receive my notice about said security freeze being place. 

Therefore, EARLY WARNING SERVICES , LLC. AZ Entity ID XXXX ( found on XXXX XXXX XXXX  ) whose address is, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, AZ XXXX XXXX found on XXXX XXXX XXXX ). The same address that is found on their site when requesting information about your consumer report ( XXXX XXXX XXXX % XXXX ) has violated my rights under the federal Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( FCRA ). 

They have a clear disregard for my rights and the policies in place as this is not the first time they have violated the federal Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( FCRA ) and this is further proven by official court documents here https : XXXX. 


Supporting documents such as my dated formal request with personal information is provided as an attachment. Also, I can provide a view of my USPS Informed Delivery Account that shows a preview of all the incoming mail I am going to receive everyday at a later date as the video file is too big to be attached.

Company response to consumer: Closed with explanation