Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (SC)

I am filing this formal complaint due to significant discrepancies in my credit reports, which I believe represent clear violations by the credit reporting agencies, XXXX XXXX XXXX XXXX, the XXXX credit card companies listed on my report, and Early Warning Services. These errors have adversely affected my creditworthiness and have caused me considerable financial distress.

Additionally, I am opting out of all authorizations. As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I hereby rescind any authorizationswhether written, unwritten, verbal, or non-verbalthat I may have granted, pursuant to 15 U.S.C. 6802. This rescission is effective immediately and indefinitely. 
1. Violations by Credit Reporting Agencies : The credit reporting agencies, including XXXX, XXXX, XXXX, and XXXX, have violated the Privacy Act of 1974, the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). Specifically : These agencies have reported non-public personal information without my written consent, in violation of 15 U.S.C. 6802. 
They have allowed XXXX XXXX and XXXX XXXX XXXX  to display my transaction history, which is illegal under 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) ( Exclusions ). This also violates the permissible purposes of consumer reports as defined by 15 U.S.C. 1681b, as well as the privacy protections under 15 U.S.C. 6802-6805, 16 CFR 313, and 16 CFR 433.2. 
XXXX. Violations bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have unlawfully reported my transaction history, violating 15 U.S.C. 1681a ( 2 ) ( A ) ( i ). This action also contravenes the Privacy Act of 1974 and the aforementioned statutes. I did not grant either institution permission to report my transaction history. Therefore, I request that the status of my accounts be updated to Paid as Agreed for both accounts as a remedy to this issue. 
XXXX. Violations by XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX has violated the Privacy Act of 1974 and the terms and conditions agreed upon at the time of my account opening. Specifically, XXXX XXXX has breached the terms that restrict the sharing of personal information, including provisions for opting out and distinguishing between affiliates and non-affiliates. These actions violate 15 U.S.C. 6802, and also extend to violations of 15 U.S.C. 6803, 6804, and 6508. 
XXXX. Violations by Early Warning Services : It is my understanding that Early Warning Services has obtained my banking transaction history from various banks over the years, possibly since I reached the age of majority. I did not grant consent for Early Warning Services to acquire, utilize, or report my information to other financial institutions. I am therefore requesting that Early Warning Services provide me with a complete record of my banking transaction history as soon as possible, as they have only provided records from the past several years. These records will serve as proof of my claim. Additionally, I intend to seek compensation for every transaction they have on file. As stated above, I am opting out of all authorizations.