Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC (TX)

I sent a secured message on the Early Warning Services portal in dispute of information placed on my consumer report regarding checking account fraud, informing them that I was a victim of identity theft. I provided a FTC Identity Theft Report and a statement on how my information was compromised as well as how I found out about the incorrect information on my consumer report. On XX/XX/XXXX I received a letter from Early Warning Services informing me the information was blocked as a result of identity theft. On XX/XX/XXXX I received a letter from Early Warning Services informing the block was rescinded, and the information was reinserted in my Early Warning consumer report because they determined the information furnished by XXXX XXXX  was accurate and complete. I was able to connect with a branch manager at XXXX XXXX  who opened a checking account for me that I was successfully using until XX/XX/XXXX when my account was frozen due to the bank 's back office forcing the immediate closure of my account because of the information on my Early Warning consumer report. I sent a letter via certified mail to XXXX XXXX XXXX on XX/XX/XXXX requesting the information stating I committed checking account fraud be re-investigated and the description of the procedure used to determine the accuracy and completeness of the information be provided within fifteen ( XXXX ) days of the completion of your re-investigation. Additionally I requested they provide the name, address, and telephone number of each person contacted at XXXX XXXX  regarding this alleged account. As well as a copy of any documents provided by XXXX XXXX  bearing my signature showing that I in fact was the person who committed checking account fraud. On XX/XX/XXXX XXXX XXXX XXXX sent a letter stating they do not have access to account documentation and was therefore unable to provide me with copies of any documents. This response led me to believe the XXXX XXXX  did not provide proof of the alleged checking account fraud so on XX/XX/XXXX I posted a secured messaged on the Early Warning message portal requesting the incorrect information be removed from my consumer report. I also attached my police report to the secured message to further prove that I was in fact a victim of identity theft, and informed that if the false information was not removed from my consumer report within 30 days from the date the message was sent it will entitle me to presume XXXX XXXX XXXX is reporting my name and social security number in error, and that the matter is permanently closed. On XX/XX/XXXX XXXX XXXX XXXX sent a letter requesting my full police report, or identity theft report. I responded on the secured portal with an attachment of the FTC identity report that I'd originally sent in XX/XX/XXXX as my police report was not yet complete in order to send the full report. XXXX XXXX XXXX replied on XX/XX/XXXX stating the reinvestigation confirms that the information contained in my file is accurate and complete as of the date it was furnished to their database. In this letter XXXX XXXX XXXX said they would furnish a copy of my updated report, including the rebuttal statement, to parties who have received a copy of my file during the preceding XXXX years for employment purposes or during the preceding XXXX months for all other purposes and provide me with a copy of their reinvestigation procedures, including the contact information for any furnisher of information, but I have yet to receive this information. I responded to this letter with the completed police report for my case regarding my stolen wallet and banking information that led to the identity theft incident and once again requested the information obtained in the re-investigation be provided to me as a way to assist police with finding the person who committed the identity theft and checking account fraud. As of today, XX/XX/XXXX I have not had any further correspondence from Early Warning Services.