Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Complaint Regarding Inaccurate Reporting on XXXX and Early Warning Reports Dear CFPB, I am writing to formally lodge a complaint regarding the information listed on my XXXX and Early Warning reports, which has resulted in my denial of access to credit unions and checking accounts. The inaccuracies in these reports have severely impacted my ability to obtain essential banking services. 

I have been dealing with XXXX for years regarding the provision of inaccurate information and their failure to investigate and delete entries that should be removed. I am a victim of identity theft due to the U.S. government 's Office of Personnel Management ( OPM ) losing a laptop containing sensitive information from contractors. This incident has led to ongoing identity theft and fraud, resulting in continued reports of incorrect information on my XXXX and Early Warning reports. 

Upon reviewing my XXXX report, I found it to be confusing and concerning. The report is comprised of eleven ( 11 ) major sections, including : 1. **Personal Information** : This section contains my name, aliases, current and previous addresses, telephone numbers, email address, and date of birth.

2. **Security Freeze Record** : If Ive contacted XXXX in the past to request a security freeze, that information would appear here. However, I have not requested a security freeze.

3. **Consumer Reported Identity Theft Security Alert** : This section details any identity theft complaints I may have reported to XXXX. 

4. **Reported Information** : This is the primary concern, as it includes entries from financial institutions reporting closed accounts, reasons for closure, and any outstanding amounts.

5. **Inquiries Viewed By Others** : This section lists any inquiries made by banks or institutions that have viewed my report.

6. **Check Cashing Inquiries** : Inquiries from retailers like XXXX that XXXXn my checking account information through Certegy Check Services . 

7. **Inquiries Viewed Only By You** : These inquiries are only viewable by me and do not negatively affect my report. 

XXXX. **Retail Information** : This section includes returned checks reported by retailers. 

XXXX. **History of Checks Ordered** : A record of checks Ive ordered XXXX 

10. **Social Security Number Validation** : This section confirms my Social Security number and its issuance details.

11. **Notices** : This section details my right to dispute the information on my report.

I am particularly concerned about the **Reported Information** section, which contains entries that I believe to be inaccurate or unverifiable. I have not received adequate explanations or documentation to support these claims. Additionally, the **Inquiries Viewed By Others** section includes inquiries that do not reflect my actions or intentions.

Under the Fair Credit Reporting Act ( FCRA ), I understand that I have the right to dispute any items on my report that may be inaccurate, misleading, or unverifiable. I have attempted to resolve these issues directly with XXXX and the reporting banks, but my efforts have been met with generic responses and a lack of verifiable documentation. 

I demand that the CFPB investigate the following : - The accuracy and validity of the information reported on my XXXX and Early Warning reports. 
- The methods used by XXXX to verify the information they report, as I believe they are not complying with the FCRA 's requirements for verification. 
- The impact of these inaccuracies on my ability to access banking services. 

I have attached copies of my XXXX report, correspondence with XXXX, and any relevant documentation to support my claims. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation