Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Identity Theft Complaint Unauthorized XXXX XXXX XXXXXXXX Account Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding an unauthorized XXXX XXXX XXXXXXXX account that was fraudulently opened under my name. I am a victim of identity theft, and I am seeking the immediate removal of this account from my records in accordance with my rights under federal consumer protection laws. 

Upon reviewing my Early Warning Services report, I discovered that a XXXX XXXXXXXX XXXX account ( Routing # : XXXX, Account # : XXXX ) was opened on XX/XX/year>, and subsequently closed on XX/XX/year>, with a status of Closed for Cause Purged. I did not authorize this account, nor did I have any knowledge of its existence until reviewing my file disclosure. This fraudulent activity has negatively impacted my financial standing, and I am requesting that all records of this unauthorized account be deleted. 

In an attempt to resolve this matter, I directly contacted XXXX XXXX  XXXX and formally requested information regarding the fraudulent activity associated with this account. Despite my repeated efforts, I never received any response or documentation from them. Their failure to respond is not only unacceptable but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under the FCRA, I have the right to dispute inaccurate information in my consumer report. Specifically : 15 U.S.C. 1681c-2 ( Right to Block Information Resulting from Identity Theft ) : This provision states that consumer reporting agencies must block fraudulent information from a consumers file once the consumer provides appropriate documentation of identity theft. 
15 U.S.C. 1681i ( Procedures in Case of Disputed Accuracy ) : This section requires consumer reporting agencies to conduct a reasonable reinvestigation and delete information that can not be verified as accurate.

15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ) : Financial institutions, including XXXX XXXX XXXX XXXX are prohibited from reporting fraudulent accounts once they are notified that the information resulted from identity theft. Their lack of response to my request further demonstrates their failure to comply with federal law. 

I have attached the relevant documentation, including my Early Warning Services file disclosure and my identity theft report, to support my claim. I request that the CFPB take immediate action to : 1. Investigate and remove the fraudulent XXXX XXXX XXXXXXXX account from my records. 
2. Direct Early Warning Services and any other relevant consumer reporting agencies to delete this account. 
XXXX. Ensure that XXXX XXXX  XXXX ceases all reporting of this fraudulent account. 
4. Hold XXXX XXXX XXXXXXXX accountable for failing to respond to my information request regarding this fraudulent activity. 

Please confirm receipt of this complaint and provide me with updates on the progress of my dispute. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation