Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (GA)

Dispute Letter and Response to XXXXXXXX XXXX Written letter : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Response to Case No. XXXX Dispute Regarding Unauthorized Account Opening To Whom It May Concern, I am writing in response to your letter dated XX/XX/year> and XX/XX/year> regarding the unauthorized account ending in XXXX. I am reiterating my position that this account was fraudulently opened in my name without my authorization, and I have provided all required documentation to substantiate my claim in writing. 

On XX/XX/year>, I submitted the following documents via writing to initiate and support my dispute regarding this unauthorized account : XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX copy.pdf These documents contain more than sufficient information to substantiate my claim of identity theft and to trigger an investigation under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that any consumer reporting agency, as well as furnishers of information such as XXXX, conduct a reasonable investigation when a consumer disputes information on their credit report. I assert that I have met all the criteria necessary for this investigation to be undertaken without further delay. 

Legal Rights under FCRA Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ) ( i ), a furnisher is required to investigate a dispute submitted by a consumer if the consumer provides sufficient information to substantiate the basis of the dispute. I have already provided all necessary documentation to support my claim of identity theft and unauthorized account opening in compliance with this section. Your insistence that I call your Claims Department is not a requirement under the FCRA, and as such, I do not intend to pursue resolution via telephone. 

Substantial Evidence Provided I have supplied comprehensive documentation and evidence to support my claim of unauthorized account opening and fraudulent activity. The materials submitted include : * A formal police report or identity theft report. 
* Detailed written correspondence outlining my dispute. 
* Supporting documentation clearly demonstrating that the account in question was not authorized by me. 

This evidence should have been sufficient for you to conduct a thorough investigation without further demands for additional procedures outside the legal scope, such as making a phone call. As a consumer, I have the right to dispute any inaccuracies or fraudulent activities on my consumer reports, and I have chosen to exercise that right through written communication. 
Call to Action I hereby demand that XXXXXXXX XXXX immediately undertake a comprehensive investigation into this matter in accordance with the FCRA requirements. I expect a written confirmation that the investigation has been initiated and that appropriate corrective action will be taken. 
If I do not receive a satisfactory resolution of this matter within XXXX ( XXXX ) days of receipt of this letter, I will have no alternative but to consider further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), and seeking legal action to enforce my rights under the FCRA and any other applicable laws. 

I trust this matter will be handled with the urgency and seriousness it deserves. Please direct all future correspondence to me in writing at the address provided above. 
Sincerely,