Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XX/XX/XXXX Early Warning XXXX XXXX XXXX XXXX XXXX, AZ XXXX Case ID : XXXX To whom this may concern, I am writing in response to the requested description of procedure for the reinvestigation of the alleged information furnished in question. After reviewing your response to my concern regarding the alleged furnished information Ive concluded that you must not understand what Im requesting. Your obligation as a consumer reporting agency and furnisher of information is to assure maximum accuracy of the information concerning the individual about whom the report relates. 
15 USC 1681 ( e ) ( b ) Accuracy of report The results of your investigation you claimed to be verified and accurate have not been validated by the furnisher in compliance with the FDCPA 12 CFR 1006.34c 15 USC 1681s-2 Reporting Information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

A block of information was requested and implemented, then reinserted the inaccurate information furnished. I have requested a reinvestigation of the disputed accuracy according to : 15 USC 1681i ( a ) ( 1 ) ( a ) along with : 15 USC 1681i ( 6 ) Notice of results of reinvestigation ( B ) Contents ( 3 ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. Early Warning you have not sent the requested proof of compliance regarding the matter of the alleged furnished information. Sending me a response letter stating your obligated involvement with the Furnisher of information contained in a file in the reinvestigation of that information does not suffice for the description of the procedure used to determine accuracy and completeness of the information. A person can say that all day long! Where is the proof Ive requested? The CERTICATION OF ACCURACY that ensures compliance and verifies the accuracy of information being furnished including the matter of reinsertion : 15 USC 1681 ( i ) ( 5 ) Treatment of innacurate or unverifiable information Requirements relating to reinsertion of previously deleted material ( 1 ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

Early Warning, you dont have access to documents as youve stated in your response letter, you havent sent the requested legitimate description of procedures used in your reinvestigation of the matter, and you have reinserted the requested block of information. CERTIFICATION OF ACCURACY that governs the request has not been satisfied or proven. Who and what certified the information? What agent to be specific? Early Warning, you dont have access to documents, nor proven any certification of accuracy for the furnished information. How are you assured that you are furnishing accurate information to my consumer file without sending me any proof or meeting the standard of compliance? Remove this information from my consumer report. 

Bank : XXXX XXXX XXXX XXXX ( Incident Date : XX/XX/XXXX ) Account # : : XXXX Routing # : : XXXX Regards, XXXX XXXX

Company response to consumer: Closed with explanation