Consumer complaint received 2024-01-09
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)

On XX/XX/XXXX  I was contacted by phone and email by Early warning services Located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX in an attempt to continuously deny my federally protected RIGHT to opt out. Notice requirements Except as otherwise provided in subchapter 15 USC 6802, afinancial institutionmay not, directly or through anyaffiliate, disclose to anonaffiliated third partyanynonpublic personal information, unless suchfinancial institutionprovides or has provided to theconsumera notice that complies withsection 6803 of 15 USC 6802. 
Subsection ( b ) in titled Opt out ( 1 ) In general Afinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunless ( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of 15 USC 6802, that such information may be disclosed to such third party ; ( B ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. 
( 2 ) Exception Except as otherwise provided in this subchapter, anonaffiliated third partythat receives from afinancial institutionnonpublic personal informationunder this section shall not, directly or through anaffiliateof such receiving third party, disclose such information to any other person that is anonaffiliated third partyof both thefinancial institutionand such receiving third party, unless such disclosure would be lawful if made directly to such other person by thefinancial institution. Simply put ANY and ALL NONPULBIC PERSONAL INFORMATION is federally protected. I feel the phone call and request for additional nonpublic personal information was an intimidation tactic to further infringe on my federally protected rights as a consumer. These actions lead me to see that there are additional federal violations because not only are are they denying me the right to opt out, provide prove of a written disclosure with my signature attached in agreement that would authorize permissible purpose, and provide a consumer report that meets federal guidelines as describe by the federal law above ; I was asked to email a copy of a picture ID in order to verify my identity but in turn Early warning services funaces federally unlawful consumer reports that cant be verified. According 15 USC 1881i thats blatant proof that they report inaccurate and unverifiable information. If I need to identify myself to you how can you verify my nonpublic personal information to anyone. At this point if the remedy I demand continues to go ignored, Im fully prepared to take this and all the of the correspondence between us as proof and also with an affidavit of truth that Early warning services is in constant violation of my consumer rights to the full extent of the law. If Early warning services can not produce ANY of the documentation required to make the use of my nonpublic personal information permissible ' and also provide accurate and verifiable information that they have on file that I can verify, I demand Early warning services to remedy the violations within a reasonable and lawful time as described in previous complaints. 
Thanks.