Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone : XXXX Consumer ID : XXXX ID Number XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX To : Early Warning Services , LLC Consumer Services Department XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX RE : Consumer ID : XXXX Dispute Case IDs : XXXX, XXXX, XXXX URGENT - IDENTITY THEFT VICTIM - DEMAND FOR IMMEDIATE REMOVAL NOTICE OF VIOLATIONS AND DEMAND FOR COMPLIANCE Dear Consumer Services, I am writing regarding the ILLEGAL rescission of my identity theft blocks on XX/XX/XXXX, and your continued reporting of FRAUDULENT accounts that I DID NOT OPEN. Your actions constitute multiple violations of federal consumer protection laws, and I demand immediate corrective action. 
LEGAL VIOLATIONS IDENTIFIED XXXX. FAIR CREDIT REPORTING ACT VIOLATIONS 15 U.S.C. 1681c-2 - Block of Information Resulting from Identity Theft You ILLEGALLY rescinded my identity theft blocks without proper verification You failed to provide adequate notice and documentation supporting your rescission decision You violated my rights as an identity theft victim under federal law 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ) - Dispute Resolution Requirements You failed to conduct a reasonable reinvestigation of disputed information You did not verify the accuracy of the reported information with proper documentation You refused to remove unverifiable information as required by law 15 U.S.C. 1681e ( b ) - Maximum Possible Accuracy You are reporting information that can not be verified as accurate You failed to maintain reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i ( 7 ) - Method of Verification You failed to provide proper verification methods and documentation You did not furnish me with the specific documents used to verify these accounts XXXX XXXX. XXXX - Permissible Purpose You are allowing access to my information without proper permissible purpose verification You failed to ensure entities accessing my report have legitimate business needs XXXX. FURNISHER OBLIGATIONS VIOLATIONS XXXX XXXX. XXXX ( b ) - Obligations to Investigate After receiving dispute notices, furnishers must : XXXX. Conduct reasonable investigation XXXX Review relevant information provided by consumer reporting agency XXXX. Report results to all consumer reporting agencies XXXX. Modify, delete, or permanently block reporting of inaccurate information XXXX. Cease reporting information that can not be verified Your furnishers ( XXXX XXXX XXXX, XXXX ) have FAILED to meet these mandatory requirements. 
XXXX. ADDITIONAL STATUTORY VIOLATIONS 15 U.S.C. 1681a ( 6 ) ( B ) ( iii ) - Adverse Information Standards You continue reporting adverse information that has been disputed and can not be verified You failed to apply proper standards for determining accuracy of negative information 15 U.S.C. 1681c ( a ) ( 5 ) - Obsolete Information ( 605B ) Some reported information may exceed permissible reporting periods You failed to verify reporting timeframes comply with federal limitations EVIDENCE OF IMPROPER INVESTIGATION MISSING DOCUMENTATION REQUIREMENTS During your alleged " investigation, '' you failed to provide me with : XXXX. Original account opening documents with MY signature XXXX. Copy of identification used to open accounts XXXX. Verification of Social Security Number matching XXXX. Proof of address verification at time of account opening XXXX. Documentation showing legitimate permissible purpose for account opening XXXX. Chain of custody documentation if accounts were sold/transferred RECENT LEGAL PRECEDENT I am aware that Equifax and Experian have been SUED for improper investigations and for refusing to correct inaccurate information once disputed. Your similar practices expose you to identical legal liability. 
IDENTITY THEFT AND DATA BREACH VICTIM STATUS I am a CONFIRMED VICTIM of : Equifax Data Breach - My personal information was compromised Identity Theft - Fraudulent accounts opened using my stolen information Account Fraud - Unauthorized use of my personal identifying information ACCOUNT-SPECIFIC DISPUTES All accounts reported under the following require IMMEDIATE DELETION : XXXX  XXXX XXXX Accounts : Account # XXXX ( Balance : - {$400.00} ) Account # XXXX ( Balance : - {$65.00} ) Account # XXXX Account # XXXX Account # XXXX XXXX Accounts XXXX Account # XXXX ( Reported loss : {$3100.00} ) Account # XXXX Account # XXXX Other Fraudulent Accounts : XXXX XXXX  Account XXXX XXXX XXXX Account XXXX XXXX DEMANDS FOR IMMEDIATE ACTION Pursuant to federal law, I DEMAND you : XXXX. IMMEDIATELY CEASE all reporting of the above accounts XXXX. PERMANENTLY DELETE all negative information associated with these accounts XXXX. RESTORE my identity theft blocks without further delay XXXX. PROVIDE WRITTEN CONFIRMATION of all deletions within XXXX  days XXXX. NOTIFY ALL RECIPIENTS of previous reports about the corrections XXXX. PROVIDE DOCUMENTATION supporting any refusal to delete information

Company response to consumer: Closed with explanation