Consumer complaint received 2024-08-12
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)

We filed a complaint against Early Warning. 

Early Warning is co-owned by XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This is nothing more than collusion among this group. 

With the correction of Early Warning, they violated every consumer rights under : 15 U.S. Code 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

Early Warning is nothing but an affiliated of these collections of banks.

The bank violated our consumer rights by sharing our private information with a third party or affiliated : ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information. 

( c ) Limits on reuse of information Except as otherwise provided in this sub-chapter, a non-affiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a non-affiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 

( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any non-affiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. 

Therefore, since all of these entities have violated my consumer rights granted by Congress, I DEMAND my name and another information with my name, address, social security number, etc is deleted from Early Waring systems immediately.

I have attached a copy of the original letter presented to this agency and in that letter they clearly stated. " Financial Institutions generally obtain authorization to provide your information to consumer reporting agencies ''. 

I demand to see any document with my signature of such authorization. 

They also stated in the letter Early Warning is a Specialty Consuming Reporting Agency. They made that statement as they have no boundary of the US Consumer Laws and they can do what ever they want! 

That is the purpose of the CFPB. To stop unethical company 's like this!