Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
This complaint is in response to Early Warning Services , LLC. Early Warning Services , LLC misconstrued my last request to opt out. It appears Early Warning Services , LLC believes I the consumer have no right to privacy. It also appears they think I want to freeze or dispute information on my Early Warning Services , LLC consumer report. Early Warning Services , LLC responded to my CfPB complaint in which I enforced my right to opt out of their reporting services. All consumers have a right to opt out of a reporting service. Early Warning Services , LLC then denied me my right to opt out which is a violation of federal law. I have included in this complaint their response to my previous complaint about this matter in which Early Warning Services , LLC refused to delete my information and any and all consumer reports they have regarding I the consumer ( XXXX XXXX XXXX XXXX ). I also XXXX Early Warning Services , LLC that my name which i own ( XXXX XXXX XXXX XXXX ) is trademarked and copyrighted therefore Early Warning Services , LLC needs my consent in order to even create a consumer report regarding this name. Early Warning Services , LLC is a credit reporting agency. XXXX U.S.Code XXXX ( a ) ( XXXX ) XXXX ( a ) ( XXXX ) - CRAs need written instruction to make a consumer report by the consumer. Notice, it is a fact, affiant XXXX XXXX XXXX XXXX is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information and create my consumer report. 
By definition Early Warning Services , LLC { } has committed identity theft. This is a violation of XXXX XXXX XXXX b ( a ) ( XXXX ) as seen in Exhibit ( - ) and information associated with { XXXX XXXX XXXX XXXX } must be removed. The CFPB is the ONLY credit bureau. I will respectfully like to remind the CFPB that it is their job to enforce the law and make sure Credit reporting agencies adhere to it and not violate consumer rights. Early Warning Services , LLC denied me my consumer rights when I requested to be opted out of their reporting services when they refused to remove my personal information from their databases and computerized systems. I will once again in this complaint give notice to Early Warning Services , LLC that I am choosing to enforce my right to privacy by opting out of ANY & ALL reporting services from Early Warning Services , LLC. Early Warning Services , LLC is no longer allowed to make consumer reports regarding XXXX XXXX XXXX XXXX. Early Warning Services , LLC must honor my demands and remove all my information from their databases and computerized systems and provide I the consumer with notice that they have done so. Failure to do so will mean civil non compliance and negligence and I will start my administrative process. 

Furthermore I am owed monetary value in the amount of XXXX $ for every single violation of the UNITED STATES CODES. XXXX U.S.Code XXXX ( a ) ( XXXX ) ( A ) XXXX ( a ) ( XXXX ) ( A ) - XXXX dollars for each proceeding. 
Notice, it is a fact, 15 U.S.Code 1692k ( a ) ( XXXX ) ( A ) states an individual action is a violation worth XXXX dollars for proceeding, however understand 15 U.S.Code 1692k ( a ) ( XXXX ) these violations has caused actual damages to me, I was denied a banking account and certain lines of credit that could have been very equitable to I the consumer, because of information obtained by that bank from EARLY WARNING SERVICES. The bank should not have obtained information about I the consumer from EARLY WARNING SERVICES because EARLY WARNING SERVICES should NOT have my information in the first place. I never told them they could have my information I never gave EARLY WARNING SERVICES my information. I never told any person I conducted business with or had any transactions with that they could give my information to EARLY WARNING SERVICES. By definition EARLY WARNING SERVICES committed identity theft. By EARLY WARNING SERVICES LLC violating my right to opt out it has prolonged this issue and I am still not able to get a bank account or certain lines of credit thus hindering my ability to operate in commerce and purchase household goods. 

EARLY WARNING SERVICES also committed identity theft. They obtained my identifying information without my consent such as my social security number to then use to swindle people into paying for access to my information through a service called a screening. This use of my social security number was not authorized by I the consumer. XXXX U.S.Code XXXX ( a ) XXXX XXXX XXXX ( a ) XXXX ( a ) - Fraudulent authorized use of a credit card such as a license plate, social security card, XXXX card etc, can result up to a XXXX fine. 

Notice, it is a fact, affiant is aware, the fraudulent use of a credit card, by EARLY WARNING SERVICES is defined as whoever uses, attempts or conspires to use a card to obtain money, goods or services shall be fined for {$10000.00} or imprisoned for 10 years or both. 

EARLY WARNING SERVICES used my social security account number the exact number on social security card which is by definition a credit card, to get access to and sell other pieces of my information to people. 
This is a direct violation of XXXX ( a ) Also note that this matter could become even more serious if this issues isnt resolved because according to XXXX ( a ) ( XXXX ) ( B ) -If i win a civil suit and file a class action, i can obtain up to XXXX $ or 1 % of the company. 

Notice, it is a fact, affiant is aware, If judgement is made against { EARLY WARNING SERVICES } I, the affiant, can and will pursue class action for the amount of XXXX $ to 1 % of your company in accordance with XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) meaning I could own a percentage of EARLY WARNING SERVICES or receive XXXX $ for EARLY WARNING SERVICES inconveniences to i the consumer. 

The credit reporting agency EARKY WARNING SERVICES must must follow reasonable procedures. Must be fair and equitable to the consumer. 

Notice, it is a fact, affiant is aware, all consumer reporting agencies, must follow reasonable procedures pursuant to XXXX U.S.Code XXXX ( b ). The reasonable procedures listed in the affidavit herein were not followed and this a violation of XXXX U.S.Code XXXX ( b ) XXXX U.S.Code XXXX ( b ) XXXX XXXX XXXX ( b ) XXXX ( b ) Bureau.

The term Bureau means the Bureau of Consumer Financial Protection. Consumer Report Agencies are not credit bureaus. The CFPB regulates the credit reporting agencies. 
I urge the CFPB to work swiftly and diligently with me on this matter to make sure EARLY WARNING SERVICES resolves this issue in a fair and equitable way for I, the consumer. As well as make sure they follow the laws that were set in place to govern them. Thankyou.

Company response to consumer: Closed with explanation