Consumer complaint received 2021-04-17
Company: Early Warning Services, LLC
State: OH
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: Their investigation did not fix an error on your report

Complaint:
Dear Early Warning Services : I have sent you, Early Warning Services, 3 letters asking you to delete unverified, incorrect & damaging information from my Earlyn Warning Services. Attached is my 4th and final letter before I seek legal action. 
Early Warning Services , LLC. is a nationwide specialty consumer-reporting agency governed by the Federal Fair Credit Reporting Act ( FCRA XXXX and any applicable state statutes, which means you must follow all laws, rules and regulations. 
As a consumer, I am legally allowed to ask for information that you are supposed to disclose. Below you will see the law very clearly states : 1. Page 35 : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer.

Please send information from YOUR database. Not information that you have to acquire from XXXX XXXX for the investigation. XXXX XXXX can alter information for your benefit. 
You do not keep information banks send you on file on your computer base. How is it that you can verify information that you do not possess? 
If you can not comply to the above-mentioned phrase, please remove all account abuse from XXXX XXXX  from my report. 
2. Page 37 ( 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section - Please send information from YOUR database. Not information that you have to acquire from XXXX XXXX for the investigation XXXX XXXX can alter information for your benefit. 
You do not keep information banks send you on file on your computer base. How is it that you can verify information that you do not possess? 
If you can not comply to the above-mentioned phrase, please remove all Account Abuse from XXXX XXXX from my report. 
3. Page 37 ( 2 ), ( E ), a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or can not be verified. 
If you can not or have not properly verified the information based on documentation that you house in YOUR computer database, you must delete Account Abuse from XXXX XXXX  You do not keep information banks send you on file on your computer base. How is it that you can verify information that you do not possess? 
If you can not comply to the above-mentioned phrase, please remove all Account Abuse from XXXX XXXX from my report 4. Page 7 ( 2 ) Verification ( B ) of the information in the consumers application for the [ bank account ], credit or insurance, to determine that the consumer meets the specific criteria bearing on [ bank worthiness ], credit worthiness or insurability. 
Simply put, the information on my bank application should be determined if a bank account can be opened or not. Early Warning Services NEVER receives a bank application. Therefore, how can Early Warning Services prevent someone from opening a bank account if they never receive the information a bank uses to open a new account. 
According to the law, FCRA, you are in clear violation. 
You recently had a civil case against your company, Early Warning Services , LLC, for reporting false information. You lost this case and was forced to pay compensation. I know you are a big company and paying fines is part of the process. 
Please I do not want to have to bring another case against you. I have requested information from { Name of Bank } and if the information is erroneous or does not match, I will be filing suit as well. 
Please deleted all disputed files on this page. I am in the process of procuring legal assistance. As you are aware each account carries up to a {$1000.00} fine.

Company response to consumer: Closed with explanation