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 belongs to someone else

Complaint:
EWS To whom it may concern, My fears are exactly as I thought, there are numerous mistakes on EWS. 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 EWS statement, any refusal to do so will result in a lawsuit. EWS 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 EWS found here, XXXX XXXX XXXXXXXX EWS paid out for mis handling information, and just a couple years later, EWS is STILL GUILTY OF THIS, making the precedent that much more true. This is amongst numerous other lawsuits where EWS violated the law. 

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

EWS 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 EWS. 

Failure to properly dispose of such issues on my EWS will result in an immediate lawsuit, with case precedent to back my claims, that even after the class action, EWS 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 EWS and remind them, that even after numerous lawsuits, EWS is still posting incorrect information, failing to update information, and is doing so to purposely hurt consumers like myself and not limited to that. 

EWS 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 EWS 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, EWS 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 EWS 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 XXXX est, to the secure message center from email link to pdt. XXXX XXXX XX/XX/XXXX, I called EWS 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 XXXX XXXX office 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, and that a signature at the bottom of something like this is actually very unusual, I spoke directly to the deputy who wrote my claim years ago ). So the non signature on my official police report is not a valid reason nor can EWS 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 EWS on the phone, so that was another lie and EWS failed to let me speak directly to the dispute team to talk directly about my claim instead of talking to a middle man. 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 ) EWS is purposely being malicious, and failing to protect a victim of identity theft and purposely acting in bad faith violating numerous federal/state laws. 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 ( failed to upload in my statement will add the attachments ). 

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, EWS is willfully hurting me and blaming the victim of Id theft for things I did not do or commit. EWS 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 EWS 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.

Company response to consumer: Closed with explanation