Consumer complaint received 2022-08-25
Company: Early Warning Services, LLC
State: FL
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 is incorrect

Complaint:
XXXX To whom it may concern, My fears are exactly as I thought, there are numerous mistakes on XXXX. As Ive stated years ago to each bank, I had my identity stolen. And instead of the banks addressing it correctly, they punished me, wrote incorrect filings, and that damage is causing me extreme distress amongst other issues. Attached is the police report of the identity theft. You are to immediately remove my entire XXXX statement, any refusal to do so will result in a lawsuit. XXXX has a history of this type of behavior, and that behavior being incorrectly stating issues on their website, which results in punishment against me, when it was not my fault I had my identity breached. Make note, I also told numerous bank representatives this years ago, and everyone failed to update documents correctly, in an attempt to purposely hurt me. In one instance of XXXX found here, XXXX XXXX XXXX XXXX paid out for mis handling information, and just a couple years later, XXXX is STILL GUILTY OF THIS, making the precedent that much more true. This is amongst numerous other lawsuits where XXXX violated the law. 

The information XXXX has is inherently incorrect, false, and not true. From all banks related, via XXXX XXXX XXXX, XXXX XXXX, XXXX, and Bank XXXX XXXX, on the entire report. 

XXXX has an obligation and duty under law to keep and maintain accurate records and has failed to do so which caused me harm. The harm being, and not limited to just this, is me being unable to open a bank account because of the incorrect information of XXXX 

Failure to properly dispose of such issues on my XXXX will result in an immediate lawsuit, with case precedent to back my claims, that even after the class action, XXXX is still doing the same thing. Additionally, I will report, in the event this issue does not resolve immediately, to the numerous federal branches that oversee XXXX and remind them, that even after numerous lawsuits, XXXX is still posting incorrect information, failing to update information, and is doing so to purposely hurt consumers like myself and not limited to that. 

XXXX primarily tracks fraudulent activities such as check fraud, bank fraud, forgery, check-kiting, check alteration and counterfeiting, ALL OF WHICH I AM NOT GUILTY OF. What I am guilty of is, is being a VICTIM, to IDENTITY THEFT. I SHOULD HAVE NO FILE WITH XXXX AS I DID NOTHING WRONG. 

Resolution : There is one resolution, and only one I will accept. After I submit this, and include the identity theft report, XXXX is to immediately remove every mark on the file, from every bank, and give me a clean sheet. What this means is that I am not liable for identity theft and will not be punished as such. The identity breaches where happening and still are happening to date. In the event XXXX fails to properly maintain my file, this will result in a lawsuit, just like the many other before. I have notified and been notified the banks about such issues, especially when it was happening and the banks refused to protect me and instead blatantly abused my trust in them, IN BAD FAITH. This is very deceitful and I will not stand for this. 

Legal Notice : I have a right to amend this statement and filing. All communication will be subject to legal interpretation. 

Sent XX/XX/2022 at XXXXXXXX XXXX, to the secure message center from email link to XXXX XXXX XX/XX/XXXX, I called XXXX and spoke to a XXXX at XXXX. XXXX failed to provide me his work ID and last name and failed to provide proper information so that I know who he is when dealing with my claims. XXXX exclaimed during the phone call that the police report was not legitimate, THIS IS FALSE. XXXX had many reasons for why the police report was not official however, none of which are covered under the FCRA or any terms and conditions. One reason XXXX said EWS denied my official police report because it looked like a screenshot. I then stated to him, how else am I suppose to upload to pdf. His claim made no sense. Next he stated it was unofficial because of no signature on an official police report. ( I called the XXXX on XX/XX/2022, to confirm if this was true, and the sheriff deputy said that EWS was incorrect and that it is an official document that they would hand to a court official ). So the non signature on my official police report is not a valid reason nor can XXXX provide a valid reason to deny it. Additionally I asked XXXX to speak directly to the dispute team handling my disputes, in which he refused, because he said they didnt have a direct number, while he was directly communicating with the dispute team at XXXX on the phone, so that was another lie. XXXX habitually stated that it was not an official police report which leads to one of two assumptions, either A ) Im committing fraud by submitting a fraud police report I made up ( WHICH IS UNTRUE ) or B ) XXXX is purposely being malicious, and failing to protect a victim of identity theft. The answer is B. I asked to speak to a manager, he then stated it would be 24-48 hours before one calls me back. I still havent received a call from a manager. XXXX also stated I can use the transfer portal to upload document, in which I told him Ive already done that a few times Proof below. 
Here is an email sent directly of the police report much before XXXX said I didnt upload it. 



Additionally proof of submittance of documents shown below. Sent PDF More additional proof of me submitting documents with a hyperlink and jpeg image. 





XXXX had told me my claims where all denied because I failed to provide an official police report which is exactly what I provided, XXXX  is willfully hurting me and blaming the victim of Id theft for things I did not do or commit. XXXX  is purposely acting in bad faith and stupid, because we all know, even the sheriffs office, that the document I sent is legit. 

Additionally I filed a report to the CFPB about the violations on XX/XX/2022. The complaint ID is XXXX On XX/XX/XXXX, I called XXXX after the above information and asked to speak to a manager. The call rep on the phone told me there was nothing a manager could do ( which is a lie ). The rep on the phone then told me, after XXXX told me the day prior that my disputes where denied, that my disputes are opened back up. I can only assume this bc of the CFPB complaint. And to date, still have not got a call back from a manager. 

On XX/XX/2022, I updated my complaint to the CFPB case number on the updated claim is XXXX I received this email from XXXX at XXXXXXXX XXXX Once again stating for me to upload my identity theft documents and report. 



I then stated this below, and once again it shows delivery of PDF ( as requested ) of the official police report. For the fifth or 6th time. 


The email that requested PDF Also on XX/XX/XXXX, called XXXX around XXXX, XXXX is having trouble finding my profile under my name which I spelled out perfectly, XXXX is also stating no consumer profile found under my name, XXXX was refusing for a good majority to let me speak to a manager for the first 5 minutes before he finally budged, even though a manager should have called me by now to directly correlate with me, so much passed the 48 hours I was told a manager would call me back. Waited much longer than 5 min. And waited longer than 10 min, no manager contact still after waiting longer than 10 minutes, was promised management would call much prior and XXXX hung up at XXXX refusing to let me speak to a manager. In the notes, from talking to XXXX, she exclaimed XXXX said the call was released bc there was no response, which is false, he also never even asked if I was there, you guys actively record conversations, you will hear me during the conversation with XXXX, I never hung up, I was there the entire 20+min call, as the record of the phone call conversation that was recorded will prove. 

Called back the same day at XXXX XXXX  after XXXX hung up, I called XXXX picked up. Had trouble finding my information once again by my name. Even though XXXX had no issues, but this came right after I reported them to cfpb. XXXX then asked me for my social and I gave up, then put me on hold to look it up. And having trouble look up account from social but was able to finally find the profile. Then XXXX put me on hold to transfer me to a supervisor. The supervisors name is XXXX. Still requesting I submit Id theft report when Ive done so over 6x. XXXX is failing to provide who is exclaiming my legit police report is not legit. He is failing to provide a name, a person, or a judgement, on the person who made the report. 

I keep hammering them what makes my unofficial police report an official report. XXXX doesnt understand the push back. I asked why do I need to be out on hold for him to look at a file. XXXX. Has stated he provided me the missing information, I then exclaimed no he did not, I then asked him once again, what about my police identity theft report was not official, he is forcing me to put me on hold to look at my information, when he can easily look at my info while Im not on hold. Refusing to tell me why he needs to put me on hold, when Im asking him why my document is not official, he continues to tell me I need to be put on hold, but refuses to tell me why he needs to put me on hold. XXXX says its to review my file, I then state back to XXXX, that you need to put me on hold to look at my file?, while you already pulled up my file in the beginning of the conversation. Habitually stating to me how he needs to put me on hold to look at my file while he already had it. 

XXXX is stating the police document I submitted is not an official document which is a lie, as proven by the documents Ive provided. XXXX is exclaiming the legitimate police report I provided from my id theft is not legit. 

Below for the CFPB is my legitimate police report for Id theft.

Company response to consumer: Closed with explanation