Consumer complaint received 2020-07-16
Company: Early Warning Services, LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I applied for a checking account at XXXX XXXX XXXX. I was denied because of information provided to them in a consumer report created by Early Warning Systems. I contacted Early Warning Systems and after being screened by one of their agents to ensure that I am who I say I am, by providing my address, date of birth, social security number and email address, I was asked several questions that were intended to verify my identity which surely I had just done by providing the aforementioned information. However these questions were supposedly based on information contained within my credit report which in itself is inaccurate and therefore could not possibly be used accurately to verify my identity. I was told that because I did not answer a question correctly that was based on inaccurate information contained in my credit report that I must provide a copy of my drivers license or identification in order to verify my identity. I tried to explain to the agent that I am in fact a licensed private investigator and that the information contained within their report is based on the criminal conduct of an individual who illegally assumed my identity in XXXX  and contemporaneously opened 3 bank accounts with XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX as well as credit accounts with XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX. I informed the agent that in this case in particular, regarding the 3 bank accounts and the report that Early Warning Systems is providing to its member/owner banks is inaccurate, and that I have repeatedly provided to these said banks Affidavits of Forgery,! and Police Reports,? as well as consumer statements and lawful disputes with the 3 major credit bureau reporting agencies. The agent refused to hear my dispute and hung up on me after indicating that she could not verify me. I called back and asked to speak to XXXX XXXX the president of the company or another member of management and was told unequivocally by this 2nd agent that that would never happen. They do not transfer calls to management whatsoever. After attempting to verify my identity a 2nd time, and insisting that I once lived on a street unknown to me, I was again told that my dispute would not be noted until I verify my identity by sending in my identification and only then would they send me the report to review what I already know is contained within the report because I have been dealing with this nightmare for over 6 years now and have repeatedly provided all that I am legally required to provide to the original creditors/banks and that I can not and will not continue to be burdened by consumer reporting agencies each and every time I encounter one of their erroneous reports and that further dissemination of these false and inaccurate reports would be met with legal action and regulatory complaints. The 2nd agent insisted that I would follow their protocol and dispute process or I would continue to be harmed and suffer the indignities of their false and inaccurate reporting of my banking history which is in fact, not my banking history at all. It is a record of the illegal conduct of a criminal who assumed my identity and illegally opened accounts in my name and that I have proven more than once is not me. The agent said lastly that he could care less wether the report was accurate or not and urged me to file a complaint with the CFPB.

Company response to consumer: Closed with explanation