Consumer complaint received 2016-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Early Warning Services, LLC (NC)

I am the victim of identity theft and evidently that is humorous to Early Warning LLC, specifically said " XXXX XXXX, '' purported supervisor. I have exhausted innumerable hours correcting the impact of my identity being stolen years ago. It appears to be a never-ending effort to correct, prevent, and protect my public and private records. I have been able to get nearly all cleared up. I know for a fact that I had NO derogatory records as of XXXX/XXXX/2015 with XXXX or Early Warning LLC. I have a copy of my XXXX report, and Early Warning LLC confirmed again that there were NO derogatory records on my report. In fact, they confirmed to the bank that I have NO records at all reported. When opening a personal checking account, I was told by the banker that I had a report from XXXX XXXX XXXX, reported Deluxe Detect. When making further inquiry into the inaccurate record, it was found that a TOTALLY different social security number appears on this record, with my other identifying information. I 'm sick of this to say the very least. The banker called the Early Warning department that speaks directly with banks, and Early Warning LLC communicated directly to the banker that as of XXXX/XXXX/2015 there were NO records at all that appeared on my consumer report. They further stated that they DID NOT provide this XXXX XXXX XXXX record to XXXX. When speaking with XXXX XXXX, the banker was told that they received the record from Early Warning LLC. This is just plain blatant disregard for FCRA and the accuracy of reports, especially for victims of identity theft. Early Warning LLC then advised the bank that they would forward verification directly to them to show NO records. I was told by the banker to return on today to sign my signature card for the opening of my account. When returning to the bank, instead the banker advised she 'd received nothing from Early Warning. I immediately called back to Early Warning LLC. The initial rep told me that the XXXX XXXX XXXX record had been ADDED to my report after they spoke with XXXX XXXX on Wednesday. I was completely taken aback that they would ADD a clearly inaccurate record ( which displays a totally different social security number ) to my consumer report. I demanded a supervisor - said " XXXX XXXX '' who was rude at onset of conversation. She claimed they did n't " add '' it in a condescending way. Semantically, they may not have " reported '' it BUT they assuredly " added, '' " inserted, '' or otherwise included a record that did n't appear before today, and had been previously regarded as inaccurate and NOT included on my consumer report. She also claimed that they did n't have a copy of my police report for identity theft. This is becoming a broken record response from XXXX, XXXX, XXXX, and all of these so-called legitimate credit/check reporting agencies. I 've uploaded the documents right here through the CFPB online portal for each complaint I 've sent. The repetition and consistency I 've exhibited makes it HIGHLY UNLIKELY AND ILLOGICAL that I have not perfected service of my records showing indisputable proof that I 've been the victim of identity theft. So here I am AGAIN having " only the option '' according to said " XXXX XXXX '' to file a dispute and WAIT for the processing time. There should be more immediate and binding relief for victims of identity theft and IMMEDIATE and BINDING SANCTIONS for these agencies. 

Now " get this, '' XXXX XXXX claims that they " have no dispute process that they accept from consumers. '' Really?! The express fact that they do n't is a DIRECT VIOLATION of the FCRA. I have submitted my dispute to Early Warning LLC, but according to XXXX XXXX have no recourse through their company. An FTC complaint and lawsuit can correct that I 'm sure. That really needs to be investigated by the Attorney General under unfair business practices.