Consumer complaint received 2019-06-04
Company: Early Warning Services, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Early Warning A financial credit reporting agency has prevented me from opening a business banking account. Below was written to the company. 

Dear Early Warnings, I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file EWS maintains under my Social Security number. I called in to resolve this and explain the circumstances. My checks were canceled due to them missing from my car along with my debut card. No checks were cashed and no money was missing from my XXXX XXXX XXXX account nor was their any fraudulent activity. I do not owe XXXX XXXX XXXX and money in fact they owe me money. You are falsely reporting information without any proof and XXXX XXXX XXXX has admitted that there is no bad debt with their company nor any wrongdoing on my end. I will not engage in your process I will file lawsuit and sue your company for XXXX XXXX USD in damages due to the account at XXXX being frozen over your reporting with XXXX XXXX USD in it. Every day my account is blocked due to your reporting I will hold Early warnings responsible for damages to my clients funds traded in the market. 

I am not just contacting you to evolve in a frivolous dispute for you to validate this claim. I am contacting you because you are in violation of many banking regulations and Federal Credit Reporting Act consumer laws : XXXX XXXX XXXX Sec. 3403. Confidentiality of financial records ( a ) Release of records by financial institutions prohibited ( B ) Release of records upon certification of compliance with chapter Sec.  3410. Customer challenges ( all as such ) Sec. 3412. Use of information ( all as such ) EWS-participating as consumer reporting agency [ ( p ) The term consumer reporting agency that compiles and maintains files on consumers on a nationwide basis means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumer 's credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide : ] 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 
A credit report includes information on where you live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy. 

My Report was not sent in the timeframe by law and still has not been received. I made a phone call to get the following information from your support and found the information supplied is illegally supplied to early warnings and also is incorrect.

Company response to consumer: Closed with explanation