Consumer complaint received 2024-10-08
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 (NY)

Subject : Formal Dispute Regarding XXXX XXXX  Account # XXXX and FCRA Violations Dear Sir/Madam, I am writing to formally dispute the accuracy of the information reported by Early Warning Services regarding XXXX XXXX XXXX  account XXXX XXXX, which has been included in my consumer report. 

On XX/XX/year>, I submitted a letter to Early Warning Services, requesting validation of this account, as I am unaware of its existence and do not recognize the account. In response, I received a letter from Early Warning Services stating that I had previously disputed this record under XXXX  Case # XXXX on XX/XX/year>, XX/XX/XXXX and XX/XX/XXXX, and that the dispute had been forwarded to XXXX XXXX XXXX XXXX for reinvestigation. According to your response, Early Warning Services notified me of the results of this reinvestigation on XX/XX/year>. 

I would like to bring to your attention that I never received the results of this reinvestigation. As a consumer, I am entitled to receive the findings of the investigation under the Fair Credit Reporting Act ( FCRA ). Not receiving the investigation results constitutes a violation of my rights. Without receiving the proper documentation or explanation, I was deprived of the opportunity to dispute the findings. Therefore, it is unclear how Early Warning Services determined the accuracy of the account without allowing me, as the consumer, to review and respond to the reinvestigation results. 

Furthermore, I sent a letter directly to XXXX XXXX XXXX XXXX on XX/XX/year>, requesting validation of the debt. However, the bank has refused to provide any documentation or information in response to my request, which is another violation of my consumer rights under the FCRA. 

To clarify, if Early Warning Services and XXXX XXXX XXXX XXXX do not remove this account from my consumer report, or if a full and complete reinvestigation is not conducted in compliance with the FCRA, I will seek legal action. The law requires that you verify the accuracy of the information being reported, and as a consumer, I am entitled to all relevant documentation that supports your findings. 

Violations of the FCRA : Failure to Provide Investigation Results : Under the FCRA, a consumer must be provided with the results of an investigation, which I did not receive. Early Warning Services allowed negative information to be reported without providing this validation. 

Failure to XXXX XXXX : XXXX XXXX XXXX XXXX failed to provide the requested debt validation, which is required under federal law. 

Inaccurate Reporting Without Proper Validation : Without proof or verification, this account should not be reported on my consumer file. 

Please consider this letter a formal dispute and request for reinvestigation. I demand that this account be removed from my consumer report immediately. Should this request be ignored or denied without valid justification, I will pursue all legal remedies available to me under the FCRA. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and respond with your findings within 30 days as required by law. 

Sincerely, XXXX XXXX