Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Early Warning Services, LLC (NV)

XXXX XXXX XXXX  negligently reported business income as my personal income for XXXX separate business bank accounts to the credit reporting agency, Early Warning Service ( " EWS '' ). As a result of this negligent reporting, which I did not give them permission to do, the XXXX  XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX XXXX charged me with an Intentional Program Policy Violation on or around XX/XX/XXXX. I explained to XXXX that the information they were relying on was false and misleading, but they took the reporting of XXXX XXXX XXXX  to EWS as true, correct, and not misleading. 

I was found guilty and denied food and medical benefits for myself and my XXXX children for XXXX months. This prevented me from receiving $ XXXX in XXXX and over $ XXXX in medical insurance. This sentencing expanded the time of the worldwide COVID-19 pandemic, which made XXXX XXXX XXXX  XXXX negligent error that more damaging with a loss of work and income, and the need for medical attention when ill. 

On or around XX/XX/XXXX, XXXX XXXX XXXX  sent me a letter admitting that they made the error, and instructed me to contact them to make a claim for damages. ( See attached WFB letter ) I did contact them on XX/XX/XXXX, and made a claim for damages. I was give Case # XXXX and told that an executive or case manager would contact me within XXXX hours. To-date, no representative of XXXX XXXX XXXX  has contacted me to settle this matter. 

On XX/XX/XXXX, I send a notice and demand for restitution due to damages that included an invoice and affidavit. ( See attached Notice and Demand XX/XX/XXXX ) I sent an Opportunity to Cure XXXX XXXX XXXX XXXX failure or refusal to respond on XX/XX/XXXX. XXXX, XXXX XXXX XXXX  has not responded to my notice and demand or opportunity to cure. 

On XX/XX/XXXX, I received a " customer appreciation '' cashier 's check dated XX/XX/XXXX in the amount of {$500.00} from XXXX XXXX XXXX. Prior to negotiating it, I contacted XXXX XXXX XXXX  and spoke with their customer service representative who assured me that the " customer appreciation '' cashier 's check was not a settlement offer for my damages due to XXXX XXXX XXXX XXXX negligence in credit reporting to EWS. The representative did tell me that XXXX XXXX XXXX  had closed my case on XX/XX/XXXX, and sent me a letter requesting information about my claims. I asked the customer service representative to mail the letter again because I had not yet received it. He said he would. To-date, I have never received a letter dated XX/XX/XXXX in regards to settling this matter from XXXX XXXX XXXX  . 

As a result of XXXX XXXX XXXX XXXX negligent reporting to EWS, and without my permission, the XXXX garnished my XXXX federal tax return in XX/XX/XXXX to cover the costs of fees I was assessed for the " Intentional Program Policy Violation '' I was found guilty of due to XXXX XXXX XXXX  XXXX negligent reporting of incorrect information to EWS, who they didn't have my permission to report to in the first place. 

Prior to filing this complaint, I sent my Second Notice and Demand to the registered agent in Nevada for XXXX XXXX XXXX.