Consumer complaint received 2021-01-12
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:
XXXX XXXX XX/XX/1978 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Dispute case id : XXXX Bank name XXXX XXXX XXXX XXXX Reference number : XXXX I have hired a consumer attorney on my behalf and have file a complaint with the FTC against XXXX XXXX XXXX and Early warning. I was a victim of fraud and have been disputing this fraudulent account for 2 years. I have asked early warning to please remove fraudulent account from XXXX XXXX XXXX in which Ive sent police report and police report number to early warning and XXXX XXXX XXXX. I have faxed and sent by certified mail in which I have receiptsand tracking and will used as evidence to support my claim ..I will be seeking full damages ... for breaking consumer law as it relates to my situation. This is my final warning. Please remove account from early warning immediately. This has ruined my life and my ability to feed my family due to loss wages for me being unable to obtain a bank account due to the fraudulent XXXX XXXX XXXX account which is currently in litigation. 

Dispute case id : XXXX Bank name : XXXX XXXX XXXX Reference number : XXXX DISPUTES DEPARTMENT Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone XXXX Fax XXXX I have been informed that there is negative information reported by XXXX XXXX XXXX in the file EWS maintains under my Social Security number. 

I am not just contacting you to evolve in a frivolous dispute for you to validate this claim. I am contacting you because you are in violation of many banking regulations and Federal Credit Reporting Act consumer laws : XXXX XXXX XXXX Sec. 3403. Confidentiality of financial records ( a ) Release of records by financial institutions prohibited ( B ) Release of records upon certification of compliance with chapter Sec. 3410. Customer challenges ( all as such ) Sec. 3412. Use of information ( all as such ) EWS-participating as consumer reporting agency [ ( p ) The term consumer reporting agency that compiles and maintains files on consumers on a nationwide basis means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumer 's credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide : ] 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 
A credit report includes information on where you live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy. 

My report from EWS reads as such : Name : xxxxxxxxxxx Principal Loss : {$.00} Fee Reversal : {$.00} Paid/Unpaid/Settled : Contributing Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. 
I have searched far and wide through my documentation with no findings or evidence of this transaction that occurred.

Company response to consumer: Closed with explanation