Consumer complaint received 2020-02-07
Company: Early Warning Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Over the last year, I have discovered multiple errors on my Early Warning consumer report including accounts ( checking, savings, notations, return transactions, balance information, etc. ) that are completely inaccurate and fraudulent as they do not belong under my name and social security number. I do not know how many times I have to go back and forth to get this matter fixed. There are several XXXX  XXXX XXXX accounts, there is a XXXX XXXX account, and several inquiries that I did not authorize, have no knowledge of, do not recognize, and it is deeply affected my ability to financial outlook by not being able to pursue accounts and relationships with certain financial institutions of my choosing. Early Warning and the furnishers of the data that are reporting negative information including accounts, notations, inquiries, transaction history, and balance information have not handled this matter properly, there have been multiple FCRA violations and the fact that Early Warning does not allow individuals to freeze their consumer report has caused fraudulent and inaccurate to be reported to my consumer report without me having any remedy or way to control what is reported under my name and social security number. Earlier last year, Early Warning sent me correspondence that they would be deleting all the fraudulent and inaccurate information I had disputed. I had thought this disputes process was finally over and Early Warning provided me with the proper resolution that I asked for in this ongoing matter.Fast forward several months later, and very recently, I decided to open depository accounts with a financial institution that I love, only to find out two days later that they had restricted my accounts due to information provided by a consumer reporting agency, which happened to be Early Warning. I was shocked and confused as to why since I had thought all the information I had disputed was deleted and updated on my consumer report. After requesting my Early Warning report and thoroughly reviewing the contents of my consumer report, I came to realize that the furnishers of the data continued to report information to Early Warning, information that includes accounts, inquiries, return transactions, balance information, account notations, etc. all of which do not belong to me, are inaccurate, fraudulent, AND information which should have been deleted several months ago. This means the furnishers of the data that provided fraudulent information to Early Warning under my name and social security number reinserted information without my knowledge or consent, never sent me any correspondence notifying me of such actions, and it has continued to affect me and my financial reputation and I had no idea until a financial institution told me they were restricting my accounts with them. This a a clear FCRA violation, and something I did not even have a chance to fight back since I had no knowledge of the reinsertion. The personal information these data furnishers have on me are incorrect and inaccurate, the notations of return transactions are completely fraudulent. How can there be an overdraft or returned item on a depository account with a financial institution that I have never had an account with. XXXX  XXXX XXXX lists one of the accounts as checking account fraud, which is ridiculous. I have NEVER EVER had an account with XXXX  XXXX XXXX. No depository accounts, no credit cards, no loans, absolutely nothing. There is another account listed as closed for cause, however, the same concept applies. I have never had any banking relationship with XXXX XXXX XXXX, so there should be nothing under my and social security number. The addresses under these accounts is wrong, the dates of account opening are all over the place. Then there is a account reporting negatively as closed for cause. I have had a banking relationship with XXXX XXXX. Why is there a checking account showing under my name and social security number? These accounts need to be deleted immediately. I will not continue going back and forth with Early Warning, and hope they do their job and make the banks delete these fraudulent accounts and information that should've never been associated with my name and social security number. There are also inquiries listed on my consumer report that do not belong to me as I have never applied for or initiated depository or another accounts with XXXX XXXX   or XXXX  XXXX XXXX. I have being punished severely for something that I did not do and its causing huge issues with my finances. I need this situation to be taken care of ASAP and for all this fraudulent information to be removed from my Early Warning report. Outside of my accounts with XXXX XXXX, XXXX, and XXXX, and my recent inquiry into XXXX XXXX, there should be absolutely no other accounts, inquiries, return transactions, notations, or balance information listed on my Early Warning report. There have been multiple FCRA violations throughout my dispute processes with both the furnishers of the inaccurate information ( XXXX  XXXX XXXX, XXXX XXXX, XXXX ) and Early Warning for not following proper investigation procedures, non-responses, etc.

Company response to consumer: Closed with explanation