Consumer complaint received 2019-07-17
Company: Early Warning Services, LLC
State: NC
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: Was not notified of investigation status or results

Complaint:
I requested my Early Warning file from Early Warning in XX/XX/XXXX. I received my file from them on XX/XX/XXXX. After reviewing my report, I found several concerning statements in my file. I submitted a formal complaint to them on XX/XX/XXXX. Early Warning responded on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to the initial complaint. After carefully reviewing their responses I noticed a violation of the Fair Credit Reporting Act. Early warning did not respond to my request correctly. They responded to my request with a pre generated letter which was exactly the same for all of the disputes I submitted. I then responded back to them on XX/XX/XXXX. In my response I was very specific and detailed. I asked for copies of signed documents provided by each company on file. Not an online banking account scan that is not accurate or verifiable. These documents should bear my signature and clearly state that I have a legally binding and contractual obligation to pay them. The full names, addresses, and direct telephone numbers for each of the individuals at each institution that they contacted in the course of their investigation. Early Warning then responded back to me XX/XX/XXXX with a full copy of my report. Then on XX/XX/XXXX, XX/XX/XXXXwith the same exact letters that I received in XX/XX/XXXXand XX/XX/XXXX. This time they did not respond with in the full 30 days for all the disputes that were separately filed. Therefor the accounts the did not respond to should have been removed. They were not. I received responses on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for these accounts which is well over 30 days. I then responded back to them on XX/XX/XXXX and XX/XX/XXXX. I requested for them to remove the files they previously had failed to respond to. Also, for an extremely detailed response due to them confirming the other accounts were valid. These letters were different then the letters I sent in the 1st two times. They responded very quickly his time with responses on XX/XX/XXXX with the exact same letters they have been sending to me all year. Which brings me to the conclusion that Early Warning is not taking my disputes seriously or even looking into them at all. When they receive a letter asking them to do anything, they respond with a pre-generated letter that says the exact same thing no matter what you ask them to do. On XX/XX/XXXX I called Early Warning and ask a representative who recorded the call if they follow the Fair Credit Reporting Act, she said she is not able to answer that question. She told me to call One of the banking institutions. I also asked if they respond to detailed specific letters, she said I need to call one of the banking institutions. Early Waring Services LLC is the company reporting this information on a public profile to other banking institutions they should be responsible to give me the requested information and how they came up with this information according to the FCRA. Since they can not do that, I am requesting that all the information being reported on me is IMMEDATELY removed. I currently have all correspondence between the two parties.

Company response to consumer: Closed with explanation