Consumer complaint received 2025-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XX/XX/year> Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX, AZ XXXX Subject : Formal Dispute & Demand for Permanent Deletion -- Dispute Case ID # XXXX / Consumer # XXXX Dear Consumer Services Department, I am writing in direct response to your letter dated XX/XX/year>, regarding Dispute Case ID # XXXX and Consumer # XXXX. Your letter states that the previously blocked information furnished by XXXX XXXX XXXX XXXX XXXX has been reinserted into my Early Warning consumer report based on your determination that it is " accurate and complete. '' Let me be XXXX clear : this account is the result of identity theft and remains fraudulent. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, I previously submitted an Identity Theft Report and supporting documentation, which under federal law mandates that such fraudulent information be permanently blocked from my file. Your action of rescinding this block and reinserting the item without my consent is a direct violation of my rights.

Further, under FCRA 611 ( a ) ( 5 ) ( B ), reinsertion of blocked or deleted information is only lawful if the furnisher certifies the data 's accuracy and completeness, and the consumer ( myself ) is notified within 5 business days. Your notice fails to provide such certification proof, and I hereby demand documented evidence of this certification.

Additionally, you are required under the Gramm-Leach-Bliley Act ( GLBA ) and federal privacy regulations to ensure the integrity and protection of my consumer data. The repeated reinsertion of disputed and fraudulent items shows a failure in upholding those standards. 
Please note the following points for the record : - I continue to dispute the XXXX XXXX XXXX XXXX XXXX account and assert it is fraudulent.- I have filed reports with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ).- I will be escalating this matter to include state and federal regulators and, if necessary, private legal action.- Once fraudulent data is blocked per identity theft protections, it is to remain permanently blocked unless fully validated under FCRA guidelines -- which has not been lawfully done in this case.

I demand that Early Warning Services permanently delete the XXXX XXXX XXXX XXXX XXXX entry and any related data from my consumer file and cease further reinsertion unless full FCRA compliance is met. I also request a complete record of your investigation, including certification from XXXX XXXX XXXX XXXX XXXX and any supporting documentation used to justify the reinsertion. 
Under FCRA 611, I expect your formal response within 30 days of receipt of this letter. If this matter is not resolved in compliance with federal law, I will pursue additional legal remedies. 
Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Consumer # : XXXX Dispute Case ID : XXXX Enclosures : - Copy of Identity Theft Report ( FTC ) - Copy of CFPB Complaint Confirmation- Prior correspondence with Early Warning Servic

Company response to consumer: Closed with explanation