Consumer complaint received 2022-02-07
Company: Early Warning Services, LLC
State: FL
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:
To Whom It My Concern : Notice to all, I am that I am, the Consumer in fact, natural person, Original Creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name [ XXXX, XXXX ] and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a/ XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make a solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, the Fair Credit Reporting Act is intended to secure my right to privacy and my privacy has been breached, so be it ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will endure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of all alleged information listed on your site in order to avoid me receiving further injuries, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that EarlyWarning is in violation of Title 15 U.S. Code 1681g ( a ) ( 1 ) . Your company has yet to share all information from YOUR OFFICE with me verifying the adverse reporting information. Stating that you contacted the alleged furnisher will not suffice. 
Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that EarlyWarning is in violation of Title 15 U.S. Code 1681c ( a ) ( 5 ). Your company is not authorized to report any adverse information other than convictions of crimes. No crime was committed on my part and if a crime by chance has been committed, no charges or convictions have been placed on me, the Consumer. 
Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that EarlyWarning is in violation of Title 15 U.S. Code 1681b ( a ) ( 2 ). Your company is not authorized to report any information without my written consent or instructions. If you do have access to any instructions, I have written your company. Please provide them to me as proof of your authorization to report any information including adverse information. 
Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that EarlyWarning is in violation of Title 15 U.S. Code 1681s-2. It is the duty of the furnisher to provide correct information. How do you know the information is correct? Who did you speak to? How did you communicate with the furnisher? Did you call? Email? 
Please provide your method of communication and verification. 
Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that EarlyWarning is in violation of Title 15 U.S. Code 1681L. When your company provide a investigative consumer report, you may not report any adverse information other than information that is a matter of public record. My personal and private information from the furnisher XXXX XXXX XXXXXXXX is not a matter of public record. 
Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that EarlyWarning is in violation of Title 15 U.S. Code 1681d ( d ) ( 4 ). Your company can not produce a consumer report with adverse information received from an associate or acquaintance of the Consumer. Is the bank not an associate of the Consumer? Your company is communication with an associate of me, the Consumer, to obtain adverse information and reporting it on my consumer report. 
Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that EarlyWarning is in violation of the FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). 
In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required. 
Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that EarlyWarning is in violation of the FCRA Section 611 ( 5 ) ( A ). You are required to promptly DELETE all information which can not be verified. 
Thank you, I swear to all the information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, accurate to the best of my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do require subrogation of the bond to settle the charge.

Company response to consumer: Closed with explanation