Consumer complaint received 2023-03-24
Company: Early Warning Services, LLC
State: CA
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:
I started my dispute process with Early Warning on XX/XX/XXXX. I have erroneous information on my consumer report. Early Warning hasn't resolved my issues. The compliance department wrote me back and stated that some of my disputes were frivolous. 

I know that I have been blacked balled by one of the banks that owns Early Warning. There should be no derogatory information on my report. I'm being Harmed by Interference with XXXX XXXX XXXX. 
I have contacted the CEO XXXX XXXX of Early Warning along with the Attorney General of California. 

There are only two accounts with XXXX. The is one account # XXXX and # XXXX. This items are over five years old. These accounts need to be removed. Then Early Warning reported these XXXX accounts ending in # XXXX and # XXXX. They have duplicated the reported of these two XXXX accounts for four entries. Please remove these items. The letter attached sent to me by Early Warning directing me to contact XXXX directly has a false telephone number. I have has repeatedly asked for a correct telephone number for XXXX. All of the letters sent to me by Early Warning are generic. I have reached out by telephone to have a supervisor contact me on many occasions. I keep being told that I would receive a call within 24-48 hours. I never receive a call back. 

I opened an account with XXXX XXXX. The account was closed by XXXX XXXX with no explanation. There was no negative abuse. Why is this account reported on my Early Warning? The only accounts allowed to be reported by FCRA rules are negative reports. So, if any bank pulling my Early Warning doesn't see a copy of my personal report. The bank is only informed if I come up negatively. So, by keeping this positive report with XXXX XXXX. I will still be denied the ability to have a relationship with a bank because this information is reported on my consumer report. 

I tried to open an account with XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. I never funded the accounts. Then Early warning had XXXX XXXX keep this account on my Consumer Report than added a restriction. There was no negative abuse. Why is this account still on my report? Again, I will still be dinged regardless that it has no negative abuse for the mere fact, I'm on early warning. XXXX  XXXX XXXX filed a " restriction '' for what? They said because I didn't fund the account. I was told this by a representative at XXXX XXXX XXXX. This should be illegal for then to place a false code. I shouldn't be penalized for deciding not to open an account. 

Then, I have an inquiry on XX/XX/XXXX. I haven't had a banking relationship with XXXX XXXX XXXX  since XXXX. Why are they inquiring into my Early Warning account? I didn't apply for any account to be opened with XXXX XXXX XXXX. This inquiry isn't documented on my Consumer report as to the account numbers and branches as XXXX XXXX and XXXX are on this report. Early Warning keeps sending me letters that I had identity theft. I never had identity theft or fraud. The branch and account numbers should be listed based on the inquiry. Then the branch information would indicate " identity theft '' or be coded as " fraud ''. I didn't have either. I have minimal credit. There is no branch coded either way on my report. I keep asking for the information. I have no fraud or identity theft with any of the three repositories. So, why does Early Warning State my disputes are frivolous? I need to know why XXXX XXXX XXXX made an inquiry on my consumer report. I need to know where this inquiry came from?

Company response to consumer: Closed with explanation