Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Early Warning Services, LLC (NJ)

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear sir, On XX/XX/XXXX of XXXX, I have received a report from Early Warning addressed XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Since there are some concerns on this report, I have decided to write. 
On record of account # XXXX, I found out the discrepancy with the transaction of this joint account of my son, XXXX XXXX and I. The transaction history of this account in XXXX XXXX XXXX itself shows the incomprehensible traits ; therefore, I enclose to ask your organization will investigate this matter for my sons sake. Since this is my sons account, I do not want to ask him further by myself. If your organization needs to clarify on this account, please contact him. 
All my XXXX XXXX XXXXXXXX account, including the joint account mentioned above, were opened at the branch in XXXX XXXXXXXX XXXX XXXX account # XXXX was combined of 4 accounts. I opened these four accounts at XXXX just after the marriage. Upon the advice of the teller at the branch of XXXX XXXX, I agreed to combine it. I believe she just mentioned it was convenient to combine than having four. What I concern with my current accounts, I can not understand the reasons why all accounts related with different branches. I have never told and asked the branches mentioned in the report sent by Early Warning. Therefore, for my security and right, I request the explanation on this. 
On the account # XXXX, a joint account with my husband, XXXX XXXX, of XXXX XXXX, I can not understand at all why all deposit check numbers are mentioned twice in the report. This account is completely managed by my husband ; therefore, please ask questions and concerns directly to my husband. I just need to mention this is regretful matter. 
Next, most of my banking accounts are XXXX XXXX XXXXXXXX ; therefore, the routing number should be XXXX. However, some accounts have bank routing number XXXX, which I checked I could not find out the bank name through the net search. With this bank routing number, there is my checking account # XXXX. This one also, same as above mentioned joint account with my husband, my bank check numbers are mentioned twice. Since this is my checking account, I can tell which checks have been used to whom payment. All of them are meant for the payment of XXXX XXXX XXXX XXXX. 
Most of {$120.00} checks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which is non-profit. 
# XXXX which I discarded, asked discarded, or mentioned to discard. Unfortunately, I do not remember. But I mention because twice mentioned # XXXX were same amount {$65.00} with this. 
# XXXX was mentioned three times. This check was used to pay the postage for XXXX XXXX in XXXXXXXX XXXX, which is also XXXX XXXX. 
I just express the regret to see some suspicious activities on non-profit organizations. One is dedicating for XXXX, and another is for XXXX XXXX XXXX XXXX XXXX. 
Since the record of report started from XXXX, I just request to investigate this matter instead of me. It was shocking to see this record and unbearable to continue checking. 
I am not sure clearly whether XXXX XXXX XXXXXXXX has several bank routing numbers, but I realized another routing number # XXXX. I just can mention I checked XXXX XXXX XXXX to make sure the matter. 
My XXXX XXXX number is mentioned after XXXX XXXX. I do not remember whether I mentioned the XXXX XXXX  number to XXXX XXXX XXXXXXXX. I remember I have submitted New Jersey Drivers License. As far as I remember, I mentioned my XXXX XXXX number at XXXX XXXX, XXXXXXXX XXXX and in the document submitted to XXXX XXXX XXXXXXXX XXXX, which only for one XXXX XXXX. I remember this was the first time to write down my XXXX XXXX number for employment of the library just for XXXX XXXX instruction. The person in charge mentioned she discarded this document. 
On page 32, there is no transaction history of XXXX XXXX ; therefore, I will ask this bank headquarters to submit the transaction history, even though I can check by its website online. 
I have considered these matters to be mentioned to your organization. 
Sincerely,