Consumer complaint received 2024-01-19
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)

Early Waring services sent me and email stating that they are exempt from federal law, and can operate without following all of the Fair Credit Reporting Act regulations. The email states that Early Waring services is a specialty consumer reporting agency that operates under the Fair Credit Reporting Act. The emails goes on today that The FCRA strictly limits who can have access to my Early Warning Consumer report and how my Early Warning consumer report can be used. They even state that the entities they report to MUST have permissible purpose. So does this make Early Warning services exempt from having permissible purpose? Theres nothing in the FCRA that states that ANY CONSUMER REPORTING AGENCY EVEN THE SPECIAL ONES are exempt from obtaining permissible purpose, In fact Section 604 ( 2 ) states that a CLEAR and CONSPICUOUS disclosure be made in writing and also authorized with the consumer 's signature before any consumer nonpublic personal information can be disclosed. The term nonpublic personal information means personally identifiable financial information provided by a consumer to a financial institution ; resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained by the financial institution. Such term does not include publicly available information, as such term is defined by the regulations prescribed undersection 6804 of 15 USC 6809. This means that Early Warning services is committing consumer fraud. The FCRA strictly limits who can have access to nonpublic personal information as Early warning services stated in the email that was sent to me to further infringe on my federal rights as a consumer. The FCRA prohibits ANY agency from furnishing a consumer report which may include credit information without written consent from the consumer in which it relates to. Except as otherwise provided in 15 USC 6802 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 15 USC 6803. The consumer is 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 the consumer is given an explanation of how the consumer can exercise that nondisclosure option. No such disclosure agreements exist. The email goes on to claim that the FCRA does note provide the consumer the ability to opt out but According to FCRA 604 ( c ) Aconsumermay elect to have theconsumers name and address excluded from any list provided by aconsumer reporting agency. Sending me an email with false and inaccurate information is a futile attempt to infringe on my federal rights as a consumer. Ive elected time and time again to remove my name and number and any other information from your database and by federal law Im allowed to do so, and in response I receive an email full of deceit and lies. The fact that Early Warning services tried deny my rights by using the FCRA regulations to intimidate me was preposterous. This is consumer fraud. Due to the fact I was sent an email that suggested that Early Waring services is well aware of FCRA regulations and adherent to all federal law, willingly and knowingly published and furnished unlawful consumer reports. 15 USC 1681 ( A ) ( B ) ( b ) explains how each of these FEDERAL VIOLATIONS should be handled according to and including each violation. In pursuant to section 15 USC 1681 ( i ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. Compensation is demand for each transaction. I, XXXX XXXX XXXX the natural person in good faith exercise my rights as a federally protected consumer. There never was a clear written disclosure nor authorization from me as the consumer and also as the natural person. Please provide the disclosure with my signature in agreement the would grant permissible purpose. For the damages that have been done to my mental distress and financial as I take my consumer report and my life very seriously I demand that you open all accounts in which adverse actions has taken place, remove and correct all derogatory marks from my credit report ANY and ALL REPORTS FURNISHED UNLAWFULLY WITHOUT PERMISSIBLE PURPOSE. In pursuant to Section 15 USC 1681 ( A ) ( B ) ( b ) to be compensated accordingly for each inquiry, transaction and report made in regards to this matter and is a direct violation of federal law. Please correct all inaccuracies promptly and in a lawful manner. If my demands for proof of permissible purpose can not be meet please correct your errors, and if XXXX continues to infringe on my federal consumer right, I will pursue this to the fullest extent of the law. 
Thank You, XXXX XXXX