Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX ( XXXX ) XXXX Date : XXXX, XXXX 2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of XXXX XXXX XXXX and Demand for Removal from XXXX To Whom It May Concern, I am writing to dispute inaccurate information being reported on my credit file by XXXX XXXX XXXX XXXX. I demand the immediate removal of my information from XXXX, as I did not consent to have this information reported. Your reporting of this information violates the Fair Credit Reporting Act ( FCRA ) and other applicable privacy laws, as outlined below. 
According to your response dated XX/XX/year>, you found that some of my disputed accounts were either inaccurate, incomplete, or unverifiable. However, there are still accounts being reported in error that need to be corrected or removed. Below is a list of these disputed items that remain on my record.Disputed Items XXXX. Bank XXXX XXXX - Account XXXX : XXXX - Nature of Dispute : This account does not belong to me. - FCRA Violation : XXXX ( XXXX XXXX. XXXX ) XXXX. XXXX  XXXX XXXX - Account XXXX : XXXX - Nature of Dispute : This account was closed and paid in full. - FCRA Violation : 611 ( 15 U.S.C. 1681i ) XXXX. XXXX XXXX  XXXXXXXX XXXX  - Account Number : XXXX - Nature of Dispute : The amount reported is incorrect. 
- FCRA Violation : XXXX ( XXXX XXXX. XXXX ) XXXX. Bank XXXX XXXX XXXX - Account Number : XXXX - Nature of Dispute : This account shows a late payment that was never late. - FCRA Violation : 611 ( 15 U.S.C. 1681i ) XXXX. Bank XXXX XXXX Maryland - Account Number : XXXX - Nature of Dispute : The status of this account is reported incorrectly. - FCRA Violation : 611 ( 15 U.S.C. 1681i ) XXXX. Bank XXXX XXXX Maryland - Account Number : XXXX - Nature of Dispute : This account was resolved but still shows as open. - FCRA Violation : XXXX ( XXXX XXXX. XXXX ) XXXX. Bank XXXX XXXX Maryland - Account Number : XXXX - Nature of Dispute : The reported balance is incorrect. - FCRA Violation : 611 ( 15 U.S.C. 1681i ) XXXX. Capital XXXX XXXX - Account Number : XXXX - Nature of Dispute : This account does not belong to me. - FCRA Violation : XXXX ( XXXX XXXX. XXXX ) XXXX. Capital XXXX XXXX - Account Number : XXXX - Nature of Dispute : The amount reported is incorrect. - FCRA Violation : 611 ( 15 U.S.C. 1681i ) XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX - Nature of Dispute : This account is a duplicate listing. - FCRA Violation : XXXX ( XXXX XXXX. XXXX ) XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX - Nature of Dispute : This account shows a late payment that was never late. 

- FCRA Violation : 611 ( 15 U.S.C. 1681i ) XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX - Nature of Dispute : The status of this account is reported incorrectly. - FCRA Violation : 611 ( 15 U.S.C. 1681i ) Legal Violations By reporting my personal information without consent, your actions XXXX have violated the following : XXXX. Fair Credit Reporting Act ( FCRA ) : Consumer reporting agencies like Early Warning must ensure the accuracy and privacy of information. Uploading my information without my consent violates FCRA 's provisions regarding consumer consent and notification. 
XXXX. XXXX XXXX ( XXXX ) : Financial institutions must protect consumers ' private financial information. If Early Warning received my information from a financial institution, you are required to notify me before sharing it. 
XXXX. State Privacy Laws : States like California have strong privacy laws under the California Consumer Privacy Act ( CCPA ), which grants consumers the right to know what personal information is collected about them. Failing to inform me violates these privacy regulations. 
Actions Requested I demand the following actions be taken immediately : XXXX. Removal of the incorrect information from my credit report and XXXX. 
XXXX. Provision of any contracts or agreements that bear my signature for each of the disputed accounts. I request that you show proof that I authorized the reporting of this data. 
XXXX. Notification of the results of your reinvestigation in accordance with the FCRA, along with a corrected report if changes are made. 
Failure to remove these items promptly will result in legal action. My information should not have been reported without my explicit consent, and this is a clear violation of my consumer rights.