Consumer complaint received 2022-02-17
Company: Early Warning Services, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to Early Warning Services to have the Cease and Desist reporting illegal information. Pursuant to XXXX XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ), Early Warning Services does not written instructions from me to report anything on my consumer report. Furthermore, Early Warning XXXX uses XXXX to conduct their " investigations ''. XXXX uses XXXX XXXX XXXX embedded in it's process. This mean no real human worker is conducting a true investigation. Below is a letter that I sent to Early Warning Services. I true investigation was not conducted. 
__________________________________________________ This is a warning. It has come to my attention that I have been violated of several of my consumer rights. I, XXXX XXXX, a natural person is demanding that you cease and desist all illegal reporting activity on my consumer report pursuant Title XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ). You EarlyWarning are a consumer reporting agency. As a consumer myself of the United States, A Federal Corporation, I dictate and verify the accuracy of what reports on my consumer reports pursuant Title XXXX XXXXXXXX XXXX XXXX ( XXXX ). 
I demand you cease and desist reporting this information XXXX XXXXXXXX XXXX as the provider of that information is reporting inaccurate information as you or the provider of the information have provided documentation proving this information is accurate pursuant to Title XXXX XXXX XXXX  XXXX Pursuant to Title XXXXXXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) I demand you cease and desist reporting all illegal account information as your organization has used unfair methods of reporting information as you're not using the entire elaborate mechanism when it comes to investigating ( XXXX ). 
Pursuant to Title XXXX XXXX XXXX XXXXXXXX ( XXXX ) ( XXXX ), I am demanding that you stop all negative bank information on my EarlyWarning consumer report as you have not received any written instructions from me, the Consumer, a natural person and the Original Creditor. 
Pursuant to XXXX XXXX XXXX XXXX XXXX ( XXXX ), I am demanding that you stop all negative bank information on my EarlyWarning consumer report as you have not shared with me the process of how you got the inaccurate information, the person you got the information from, the person who authorized the reporting of the negative information and physical proof of the information you are reporting. 
Pursuant to XXXX XXXXXXXX XXXXXXXX XXXX XXXX, It is the sworn duty of the data furnisher, XXXX XXXX XXXXXXXX, to provide your with accurate information. I demand that you cease and desist all negative reporting information of XXXX XXXX  XXXX as you or them have not shared with me, the Consumer, a natural person and the Original Creditor physical proof as to the validity of your reporting. 
Pursuant to XXXX XXXX XXXX XXXX XXXX, any information that you can not verify must promptly be deleted. As a Consumer, a natural person and the Original Creditor, I am the only person that can validate and/or verify any information on my consumer reports as that information is my private and personal information. 
Send an audit ( investigation ) trail pursuant to XXXX XXXX XXXX ( XXXX ) including all documents, including but not limited to, signed documents, documents that include the wording adverse information pertained with in them, who authorized the sharing of my personal and private information with third-party consumer reports and anything else related to the Consumer for review and validation Delete all accounts containing unverified, unvalidated, inaccurate, assumed information pertaining to this XXXX XXXX XXXXXXXX Remove all marks and comments off all consumer reports. 
Cease all communication with my intellectual property unless it pertains to you stating that you have ceased all reporting with consumer reporting agencies. 
Again, this is a notice pursuant to the Fair Credit Reporting Act. Failure to honor the demands and provided the required documentation for proper validation of the alleged derogatory account within XXXX days of this notice shall : a. be taken as tacit agreement to the claims set forth, XXXX grant the Consumer all granted remedies and XXXX may result in litigation __________________________________________________________- Re : Account information to be deleted immediately : Bank Name : XXXX XXXX XXXXXXXX Bank Account Number : XXXX Bank Routing Number : XXXX The description as to why the accounts are to be removed/deleted follows below. Your organization is in violation of my privacy rights and consumer reporting laws. 
Supporting documentation is/will be attached to this letter. 
Please read the information below XXXX and XXXX as to not get anything confused! 
Thank You! 
To Whom It May Concern : Cease and Desist All Reporting Activities As You Never Received Written Instructions To Report Information I Never Sent To You or Gave You Consent To Report Pursuant to XXXX XXXX XXXX - " As it states a consumer reporting agency can not furnish a consumer report without your written instruction the fact that the law states that they may only furnish the report under no other circumstances than in accordance with the written instruction of the consumer. '' I XXXX XXXX, as the consumer instruct you to remove XXXX XXXX XXXXXXXX in accordance with the law ( XXXX XXXX XXXX ). 
I, XXXX XXXX never gave EarlyWarning any written consent to report anything on my consumer report, No consent is considered my identity being stolenon your organization/company 's part. A copy of the XXXX XXXX XXXX XXXX XXXX will be attached. 
Pursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. Similar device also includes a bank account since credit accounts are extended from type bank or similar device. 
The definition of a credit card under XXXX XXXX XXXX is the same as it is under XXXX XXXX XXXX ( I ) which is the term credit card means any card, plate, coupon book, account or other credit device existing for the purpose of obtaining money [ bank account ], property, labor, or services on credit. 
Notice, XXXX said ANY card [ or similar device ]. The credit card or similar device is my social security card. This is the credit card or similar device I used to originate every consumer credit transaction below. They should all be removed from My Consumer report pursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX  ). 
I am demanding that you remove this transaction from my report immediately as they are a violation of my privacy and my rights as a Federally Protected consumer under XXXX XXXX chapter XXXX.

Company response to consumer: Closed with explanation