Consumer complaint received 2024-06-21
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 (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2024 Chief Financial XXXX Early Warning XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Notice of Legal Violations, Demand for Compensation, and Request for Immediate Corrective Action Regarding Consumer Report Dispute Dear Chief Financial XXXX, I am writing to formally address the severe negative impact that the erroneous information on my consumer report, as reported by Early Warning, has had on my financial standing. Despite your recent communication acknowledging the deletion of the disputed information, the damage caused by this inaccuracy has already been significant and far-reaching. 

The incorrect data reported to financial institutions has resulted in the unwarranted denial of essential banking services and financial products, thereby severely affecting my financial stability and creditworthiness. This egregious error has not only hindered my ability to secure necessary financial services but has also resulted in broader negative implications on my financial health and reputation. 

The dissemination of inaccurate information by Early Warning is in direct violation of several federal statutes, including but not limited to : 1. Fair Credit Reporting Act ( FCRA ) - Pursuant to 15 U.S.C. 1681, consumer reporting agencies are mandated to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. The failure to do so, leading to the reporting of inaccurate information, is a blatant violation of the FCRA.

2. Consumer Credit Protection Act - Under 15 U.S.C. 1601 et seq., this act ensures that consumers are treated fairly by businesses in the lending and credit transactions process. The dissemination of incorrect information that adversely impacted my ability to access credit and financial services constitutes a violation of this act.

3. Equal Credit Opportunity Act ( ECOA ) - According to 15 U.S.C. 1691, it is illegal for any creditor to discriminate against an applicant on the basis of inaccurate information. The provision of false data to financial institutions, resulting in discriminatory practices against me, is in clear violation of the ECOA.

Given these violations and the severe financial and emotional distress caused, I demand the following actions be taken immediately : 1. Immediate and comprehensive corrective measures to ensure that my consumer report is accurate and reflects correct information.

2. Formal notification to all financial institutions that received the erroneous report, informing them of the inaccuracies and subsequent corrections.

3. Compensation for the financial harm and emotional distress caused by the reporting of inaccurate information. This includes reimbursement for any fees incurred due to the denial of banking services and any additional costs associated with rectifying the damage to my financial standing.

I expect a detailed response outlining the steps you are taking to rectify this situation and provide compensation within 15 days of receipt of this letter.

For expediency, you may send the compensation check to my address listed below. The check should be made payable to XXXX XXXX. 

I kindly request that Early Warning complies with the demands outlined in this letter within 15 days from the date of receipt. Failure to do so will result in further legal action to seek full redress for the harm inflicted. 

I trust that Early Warning will take this matter with the utmost seriousness and act swiftly to correct these grievous errors, compensate for the damages caused, and prevent further harm to my financial wellbeing. 

Sincerely, XXXX XXXX