Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EARLY WARNING SERVICES, LLC (MD).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: On XX/XX/XXXX, I received from Early Warning LLC ( " XXXX '' ) my requested file disclosure. I immediately identified inaccuracies for eleven ( 11 ) accounts, including such information as my home address and Maryland Driver 's License number. 

Within less than 24 hours of receiving this disclosure, I prepared and submitted to Early Warning LLC,  eleven ( 11 ) different documents, one for each account containing plainly inaccurate information. Each of these dispute documents both outlined and explained the precise nature of the inaccurate information for each of the eleven ( 11 ) accounts. 

These disputes submitted to Early Warning LLC included a specific description of which pieces of my information were inaccurate. I also included the correct information. 

All dispute documents were sent with attached photographs of supporting documentation. This supporting documentation was two clear, color, high-resolution photographs of government documents that verified my identity ( e.g. valid U.S. Passport ) and my home address / Maryland DL number ( e.g. valid Maryland Driver 's License ). 

All dispute documents were prepared and submitted in accordance with Early Warning 's dispute procedures. They were properly formatted and submitted in a timely fashion. My dispute was properly formatted, as it strictly adhered to the procedures listed by Early Warning LLC. My disputes were timely, in that they were filed within less than 24 hours of having received Early Warning LLC 's disclosure.
All dispute documents displayed all information requested by Early Warning LLC ( e.g. consumer number, etc. ). Each document was signed, dated, and sent to Early Warning LLC via their secure upload service. My signature represents an unambiguous attestment to the correctness and validity of my statements that Early Warning LLC false and accurately displays my information and maintains that this inaccurate information is " ... complete and accurate ... '' The inaccurate and false information is as follows : For five ( 5 ) XXXX XXXX XXXX accounts, both my displayed address and Maryland Driver 's License number are inaccurate. 

For one ( 1 ) XXXX XXXX XXXX account, only my Maryland Driver 's License number is inaccurate. 

For one ( 1 ) XXXX XXXX XXXX account, only my my displayed address is inaccurate. 

I will outline the misrepresentations by Early Warning LLC in the following sections : ( 1 ) HOME ADDRESS IS FALSE AND INACCURATE : The address information listed for five ( 5 ) XXXX XXXX XXXX accounts and one ( 1 ) XXXX XXXX XXXX account is inaccurate. It is impossible for the listed address to be correct. In fact, it is impossible for the listed address to ever have been the correct address of a residence at which I lived. 

The home address appearing on Early Warning LLC  's report is reflected as a street address and an apartment number ( ex. " XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX code '' ). The street address ( ex. " XXXX XXXX XXXX '' ), however, is not an apartment building. Therefore, it can not and does not have an associated apartment number. 

Early Warning LLC 's report in patently false, in that it lists an address that is similar to my current address, but reflects it as having an apartment number when, in reality, it does not have an apartment number. 

I reside in a single family home ; it does not have an apartment number. It is standing, permanent single-structure house. It does not have an attached or detached building, which could even be construed as an apartment or a structure to which an individual number would be attached. It only has a street address ; there is no apartment number. To list it as having an apartment number when it has none is a bold error. 

The correct address of my residence is only a street address, without an apartment number ( ex. " XXXX XXXX XXXX, XXXX, XXXX, XXXX code '' ). Notice the lack of an apartment number in the format of this address. 

However, the address listed by Early Warning LLC is not an address at which I ever lived. Furthermore, the address listed by Early Warning LLC contains an apartment number ( ex. " XXXX XXXX XXXX XXXX XXXX, City, State, ZIP code '' ). Notice that this address contains a street address ( " XXXX XXXX XXXX '' ) AND an apartment number ( " ... XXXX XXXX '' ). The addition of the apartment number to this address makes the address inaccurate. 

The street address listed by Early Warning LLC is one with which there has never been an associated apartment number. Aside from the addition of an apartment number, the address listed by Early Warning LLC resembles that of the home at which I currently reside. My home, however, has never had an apartment. 

The home in which I reside is a new home. It was built to specification by my spouse and I. Therefore, it is not possible for the street address at which I currently reside to have ever to have an associated apartment number. This is true for three reasons : ( 1 ) The home did not exist in its physical form prior to my purchase of it. We made the purchase, after which the home was constructed. ( 2 ) The lot upon which the home sits was vacant prior to our purchase of it. It was an empty lot, there were no structures or homes of any kind on the lot prior to the building of the current house. ( 3 ) The home was built and turned over to my spouse and I without ever having an associated an apartment number. 

I explained in my dispute documents to Early Warning LLC this inaccuracy ( XX/XX/XXXX ). OnXX/XX/XXXXXX/XX/XXXX, I received Early Warning, LLC  's response. According to this response, Early Warning LLC asserts that the information is " accurate and complete as of the date it was furnished to [ Early Warning LLC 's ] database. '' The response statement by Early Warning LLC is materially incorrect. Early Warning LLC can not have possibly found that my address information to be " accurate and complete as of the date it was furnished to [ Early Warning LLC 's ] database. '' The reason is that the address listed by Early Warning LLC is that of a single family home. It is NOT an apartment building. And, it does NOT have an apartment number associated with it. It is a single-family home that does NOT contain an apartment number. Moreover, if the address listed were a correct and valid address ( which it is not ), it is not an address at which I ever lived. 

As documentation of Early Warning LLC 's error, I provided to them my Maryland Driver License ( valid & not expired ) that displays my correct current address. I also provided my U.S. Passport ( valid & not expired ) as proof of my identity. Nevertheless, Early Warning, despite having this information and documentation, maintained that my information is " accurate and complete as of the date it was furnished to [ Early Warning LLC 's ] database. '' This is plainly impossible. 

Again, it is simply not possible that the single family home in which I reside has an apartment number, as Early Warning LLC contends that it does. It is a single family home. It does not now, nor has it ever had, an associated apartment number. 

For these reasons, Early Warning LLC inaccurately lists my address. Likewise, their statement that the address information is " accurate and complete as of the date it was furnished to [ Early Warning LLC 's ] database, '' is incorrect, as well. 

It is a material misrepresentation to display and assert that the address listed on my Early Warning LLC report is " accurate and complete as of the date it was furnished to [ Early Warning LLC 's ] database. '' This is an inaccurate piece of information for which I filed with Early Warning LLC a proper and timely dispute. Early Warning LLC, however, failed to correct a piece of information which is plainly false. ( 2 ) MARYLAND DRIVER LICENSE NUMBER DISPUTE : My Maryland Driver 's License number is listed in Early Warning LLC 's report disclosure as an eight ( 8 ) digit number, without any letter contained within it ( ex. " XXXX '' ). Notice that this number is only numerical digits, it does not contain any letters. 

Early Warning LLC further lists this number as a license number for the State of MD, '' indicating it to be a Maryland Driver 's License. This eight ( 8 ) digit number that Early Warning LLC lists as being my Maryland Driver 's License number is not a properly formatted Maryland Driver 's License number. Moreover, it is not my correct Maryland Driver 's License number ; it is not a Maryland Driver License number that I have ever held. 

There are two indisputable facts upon which I ground the above-listed claims : FIRST, it is impossible for the number listed by Early Warning LLC to be a correct, valid, and accurate Maryland Driver 's License number. All Maryland Driver 's License numbers are a single letter ( the first letter of the license holder 's surname ) followed by twelve ( 12 ) digits ( ex. " XXXX '' ). Early Warning LLC lists only eight ( 8 ) digit number, without a preceding letter.
Thus, it is false for Early Warning LLC to claim as they did, that the listed number was " accurate and complete as of the date it was furnished to [ Early Warning LLC 's ] database. '' The number currently listed on my report is not accurate, and it is not a complete Maryland Driver License number. 

The basis upon which my claims rest are both correct and indisputable. A correct Maryland Driver 's License number would have to be in the following format : One letter, followed by twelve digits ( ex. " XXXX '' ). However, Early Warning LLC lists my Maryland Driver 's License number as having only eight digits. 

SECOND, even if the Maryland Driver License number listed by Early Warning LLC was a properly formatted Maryland Driver 's License number ( which it is not ), it is not my Maryland Driver 's License number. In fact, I never held the Maryland Driver License number that Early Warning LLC claims to be " accurate and complete. '' This second claim, like the first, is based upon material fact that is correct and indisputable. I have only held one Maryland Driver 's License number. I will not display that number here ; however, I did provide my correct Maryland Drivers License Number to Early Warning LLC in clear and accurate fashion. The manner in which I provided my correct Maryland License Number to Early Warning LLC was single a clear, color, high-resolution photograph of my current Maryland Driver License ( valid and not expired ). I submitted this photograph to Early Warning LLC with my dispute documents. As documentation of Early Warning LLC 's error, I provided to them my Maryland Driver License ( valid & not expired ), which I described above. This photograph displays my correct and current Maryland Driver License number. I also provided my U.S. Passport ( valid & not expired ), as proof of my identity. 

Early Warning LLC was sent and received the above reference photographs : ( 1 ) my Maryland Driver 's License ( the only Maryland Driver 's License number I have ever held ) that clearly a displayed number entirely different from that listed on Early Warning LLCs report ; ( 2 ) my U.S. Passport. Despite this, Early Warning LLC still maintains that the license number contained in my report is " accurate and complete ; it is neither " accurate, '' nor is it " complete. '' For these reasons, it is a material misrepresentation for Early Warning LLC to display and assert that the Maryland Driver License number listed on my report is " accurate and complete as of the date it was furnished to [ Early Warning LLC 's ] database. '' This is an inaccurate piece of information for which I filed with Early Warning LLC a proper and timely dispute. Early Warning LLC,  however, failed to correct a piece of information which is plainly false.

Company response to consumer: Closed with explanation