Consumer complaint received 2019-02-04
Company: Early Warning Services, LLC
State: NY
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: Investigation took more than 30 days

Complaint:
Early warning services takes advantage of the disabled and disabled military veterans Early warning services does not remove outdated information and violates FCRA regulation Early warning services receives kickbacks from banks to report negative info on consumer reports Early warning services reporting outdated and fraudulent transactions.

Make it impossible for consumer to dispute and also never honors requests Early warning services in clear violation of FCRA Never had inquiries or attempted account openings, as reported by early warning on page 46 and 47. 

XXXX XXXX XXXX TWICE ON XX/XX/XXXX AND XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX of XXXX Alleges on page 46 insufficient funds for XXXX and XXXX insufficient funds check # XXXX and XXXX.fraudulent checks XXXX Tran Type Date Account Number Check Number Amount Return Reason Return Transactions ACH XX/XX/XXXX XXXX XXXX {$4700.00} Account Closed ACH XX/XX/XXXX XXXX XXXX {$5600.00} Account Closed ACH XX/XX/XXXX XXXX XXXX {$2800.00} Account Closed All transactions page 2 are fraud Transactions Tran Type Date Account Number Check Number Amount Information Reported By : Check XX/XX/XXXX XXXX {$15.00} XXXX XXXX XXXX Check XX/XX/XXXX XXXX {$15.00} XXXX XXXX XXXX Check XX/XX/XXXX XXXX {$15.00} XXXX  XXXX XXXX XXXX Check XX/XX/XXXX XXXX {$15.00} XXXX  XXXX XXXX ACH XX/XX/XXXX XXXX XXXX {$4700.00} XXXX XXXX ACH XX/XX/XXXX XXXX XXXX {$5600.00} XXXX  XXXX ACH XX/XX/XXXX XXXX XXXX {$2800.00} XXXX  XXXX XXXX  Routing # : XXXX Account # : XXXX Tran Type Date Account Number Check Number Amount Return Reason Return Transactions ACH XX/XX/XXXX XXXX {$2100.00} Insufficient Funds Transactions Tran Type Date Account Number Check Number Amount Information Reported By : ACH XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX   XXXX XXXX ACH XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX   XXXX XXXX  ACH XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX   XXXX XXXX ACH XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX   XXXX XXXX ACH XX/XX/XXXX XXXX {$15.00} XXXX XXXX XXXX  XXXX XXXX  ACH XX/XX/XXXX XXXX {$1100.00} XXXX XXXX XXXX  XXXX XXXX  ACH XX/XX/XXXX XXXX {$5.00} XXXX XXXX XXXX  XXXX XXXX ACH XX/XX/XXXX XXXX {$36.00} XXXX XXXX XXXX  XXXX XXXX  ACH XX/XX/XXXX XXXX {$12.00} XXXX XXXX XXXX XXXX XXXX ACH XX/XX/XXXX XXXX {$56.00} XXXX XXXX XXXX  XXXX XXXX  ACH XX/XX/XXXX XXXX {$1000.00} XXXX XXXX XXXX  XXXX XXXX   ACH XX/XX/XXXX XXXX {$2100.00} XXXX XXXX XXXX  XXXX XXXX ACH XX/XX/XXXX XXXX {$2100.00} XXXX XXXX XXXX   XXXX XXXX  Check XX/XX/XXXX XXXX {$250.00} XXXX XXXX - XXXX  ACH XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX   XXXX XXXX  ACH  XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX   XXXX XXXX  ACH XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX   XXXX XXXX  ACH XX/XX/XXXX XXXX {$2.00} XXXX XXXX XXXX Check XX/XX/XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX Check XX/XX/XXXX XXXX {$5.00} XXXX XXXX - XXXX  Check XX/XX/XXXX XXXX {$900.00} XXXX XXXX XXXX XXXX Check XX/XX/XXXX XXXX {$150.00} XXXX XXXX Check XX/XX/XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX Check XX/XX/XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX Early Warning Services LLC . All Rights Reserved. Page 1 of 1 Page Check XX/XX/XXXX XXXX {$15.00} XXXX XXXX XXXX Check XX/XX/XXXX XXXX {$15.00} XXXX   XXXX XXXX Check XX/XX/XXXX XXXX {$15.00} XXXX  XXXX XXXX XXXX Check XX/XX/XXXX XXXX {$15.00} XXXX  XXXX XXXX ACH XX/XX/XXXX XXXX XXXX {$4700.00} XXXX  XXXX ACH XX/XX/XXXX XXXX XXXX {$5600.00} XXXX   XXXX ACH XX/XX/XXXX XXXX XXXX {$2800.00} XXXX  XXXX Bank Routing # : XXXX Account # : XXXX Tran Type Date Account Number Check Number Amount Return Page 3 everything is fraud never had XXXX  XXXX  account 2 XXXX XXXX account listed end accnt number XXXX and XXXX in XXXX and XX/XX/XXXX.regardless of fraud early warning services violating FCRA by XXXX negative info beyond 7 years Never maintained or opened email address XXXX Fraud check reported on my early warning report XXXX 2 checks on same check # for {$4700.00} and {$5600.00} as well as another fraud check # XXXX for {$2800.00} Multiple XXXX  XXXX XXXX account reported based out of Virginia .never lived in  Virginia early warning reporting multiple XXXX  XXXX XXXX accounts Never opened XXXX XXXX XXXX account and it's also closed. Superivor stated it would be removed due to time constraints but never removed. 

Everything from page 2 and 48 needs to be removed Early warning running a scam and conning customers.unacceotable.prepare for cfpb XXXX and ftc

Company response to consumer: Closed with explanation