Consumer complaint received 2025-03-07 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: CA

Complaint narrative:
early warning services is hindering my ability to open a bank account They failed to provide the method of how they verified any information pertaining to my file they failed to provide any Contracts I Have with any of the mentioned financial institutions all the financial institutions that claim I owe them are FDIC insured meaning if there was a default on the account they were covered up to XXXX Violations Committed by Your Agency 1. Violation of Consumer Privacy ( 15 U.S. Code 1681 Section 602 ( a ) ) The FCRA mandates that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for consumer privacy. However, EARLY WARNING SERVICES have failed to uphold this legal obligation by disclosing my financial data without my consent. 
2. No Written Authorization to Furnish My Consumer Report ( 15 U.S. Code 1681 Section 604 ( a ) ( 2 ) ) Under 15 U.S. Code 1681b, a consumer report may only be furnished with the written instructions of the consumer. I have never provided written consent for, EARLY WARNING to report or share my information with third parties. Any and all prior consent is hereby revokedwhether verbal, written, implied, or otherwise. 
3. Violation of My Right to Opt-Out ( 12 CFR 1016.7 ) Federal regulations grant consumers the absolute right to opt out of having their nonpublic personal information disclosed. I am formally exercising my right to opt out, and you are required to comply under federal law.

4. Failure to Notify Me of My Right to Non-Disclosure ( 15 U.S. Code 6802 ( b ) ( c ) ) The GLBA mandates that financial institutions must inform consumers of their right to prevent disclosure of nonpublic personal information. I was never given such an option, rendering the reporting of my information illegal. 
5. Reporting of Obsolete Adverse Information ( 15 U.S. Code 1681c ( a ) ( 5 ) ) The FCRA strictly prohibits consumer reporting agencies from including adverse information older than seven years ( except for criminal convictions ). The negative accounts being reported by your agencies either exceed the statutory reporting period or are being re-reported improperly, violating my rights under federal law.

6. Knowingly Reporting Inaccurate Information ( 15 U.S. Code 1681s2 ( A ) ( 1 ) ) Under 15 U.S. Code 1681s-2, no entity may furnish consumer information to a credit reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The furnisher of information has failed to ensure the accuracy of the data, and your agencies have failed to conduct proper procedures to validate its accuracy before reporting it. 
7. Failure to Maintain Reasonable Procedures to Ensure Accuracy ( 15 U.S. Code 1681e ( b ) ) Consumer reporting agencies must maintain reasonable procedures to avoid violations of 15 U.S. Code 1681c and ensure that consumer reports are only furnished for legally authorized purposes. EARLY WARNING are failing to comply with this law.

Demand for Immediate Action Due to your blatant disregard for federal consumer protection laws, I demand the following actions be taken IMMEDIATELY : 1. Permanent deletion of any and all disputed information that has been furnished or reported without my written authorization.

2. A formal written confirmation from EARLY WARNING verifying the deletion of the disputed items from my consumer report.

3. A full disclosure of any third parties that have accessed my consumer report without my explicit consent.

4. Cessation of any further reporting of my personal information without my express written consent. 

This is your final opportunity to comply before I escalate this matter to federal regulators and legal authorities. Please provide a written response confirming the deletion of the disputed items no later than 30 days from receipt of this letter.

Company response to consumer: Closed with explanation