Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (GA)

This communication serves as a formal dispute and notice of intent to sue for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681i ( a ) ( 5 ) ( B ), 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), 15 USC 1681n, and 15 USC 1681a.

On October 10th, I submitted an initial dispute regarding identity theft and demanded the deletion of fraudulent items from my file. These items are not mine and were added without my authorization. In response, Early Warning Services ( EWS ) confirmed on XX/XX/XXXX that they placed an " unauthorized identity theft '' block, a measure I did not request or approve. Instead, I explicitly required the deletion of these fraudulent accounts. 

I reiterated on XX/XX/XXXX that my demand was to delete these items, not to implement an " unauthorized block. '' On XX/XX/XXXX, EWS responded, concluding that the disputed items were supposedly " accurate. '' This determination is entirely erroneous, given that no proper verification procedures were followed. I then requested on XX/XX/XXXX the following : The names of the man or woman is responsible for verifying the disputed information. 
All documentation and all records and methods of verification supporting the alleged accuracy of these items. As well as Full details of all procedures, including dates, times, and names of individuals involved, to validate that EWS performed a genuine investigation. 

EWS responded on XX/XX/XXXX admitting that they do not have access to the requested documentation, procedures, interviews or any verifiable information to support the alleged accuracy of these items. EWS 's failure to provide these critical records constitutes a direct and blatant violation of 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), which mandates full disclosure of all pertinent details if the information can not be verified. By failing to supply this information, EWS has demonstrated that no legitimate investigation was conducted. EWS even said in their respond that they lack access to the necessary documentation, it raises questions about the validity of their investigation. Without documentation, they can not thoroughly investigate the disputed information, which suggests that the reinvestigation process was not conducted and therefore needs to be deleted. 

On XX/XX/XXXX, I demanded the immediate deletion of these fraudulent items due to EWSs inability to verify or provide accurate documentation as required by law. This failure is an intentional act of willful noncompliance under 15 USC 1681n and 15 USC 1681a. EWSs refusal to remove these unverified and harmful accounts from my file is reckless and negligent, with detrimental impacts on my consumer report. 

On XX/XX/XXXX, I was notified that EWS has reinserted these disputed, fraudulent accounts without providing any prior notice or certification which i was supposed receive 5 days before XX/XX/XXXX this is another clear violation of 15 USC 1681i ( a ) ( 5 ) ( B ). This unauthorized reinsertion is a severe breach of FCRA, underscoring EWSs willful disregard for compliance. This is misleading and harmful