Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Aconsumer reporting agencyshall not furnish to anypersonarecordof inquiries in connection with acreditor insurance transaction that is not initiated by aconsumer. The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Aconsumermay elect to have theconsumers name and address excluded from any list provided by aconsumer reporting agencyunder subsection ( c ) ( 1 ) ( B ) of 15 USC 1681b in connection with acreditor insurance transaction that is not initiated by theconsumer, by notifying the agency in accordance with paragraph ( 2 ) that theconsumerdoes not consent to any use of aconsumer reportrelating to theconsumerin connection with anycreditor insurance transaction that is not initiated by theconsumer. FCRA 604 ( 4 ) ( c ) states that a consumer reporting agency may furnish a consumer report relating to any consumer in connection with any credit or insurance transaction that is not initiated by the consumer only if the consumer AUTHORIZES the AGENCY to provide such report to such person or there is not in effect an election by the consumer, made in accordance with FCRA 604 ( e ) giving proper notice via email correspondence or a signed written notice or by a notification system i.e. the CFPB ( ConsumerFinancialProtectionBureau ). The election shall be effective beginning 5 business days after the consumers notifies the agency of the election. Consumer reporting involves use of nonpublic personal information that is also protected by Federal law. The term nonpublic personal information means personally identifiable financial information provided by a consumer to a financial institution ; resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained by the financial institution. Such term does not include publicly available information. The FCRA prohibits ANY agency from furnishing a consumer report which may include credit information without written consent from the consumer in which it relates to. Per FCRA 604 ( 2 ) Permissible Purpose ; FCRA 604 ( 2 ) states as a disclosure to the consumer that a CLEAR and CONSPICUOUS disclosure be made in writing and also authorized with the consumers signature before any consumer nonpublic personal information can be disclosed. The term nonpublic personal information means personally identifiable financial information provided by a consumer to a financial institution ; resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained by the financial institution. Such term does not include publicly available information, as such term is defined by the regulations prescribed undersection 6804 of 15 USC 6809. Except as otherwise provided in 15 USC 6802 afinancial institutionmay not, directly or through anyaffiliate, disclose to anonaffiliated third partyanynonpublic personal information, unless suchfinancial institutionprovides or has provided to theconsumera notice that complies withsection 6803 of 15 USC 6803. Theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. No such disclosure agreements exist. FCRA 603 ( x ), this ONLY states that the term specialty reporting agency means a consumer reporting Agency that compiles and maintains files on consumers on a nationwide basis and what reports are kept by these agencies, but no where in ANY of these sections doesnt make Early warning services exempt from federal law. According to FCRA 604 ( c ) Aconsumermay elect to have theconsumers name and address excluded from any list provided by aconsumer reporting agency. This is still a futile attempt to infringe on my federal rights as a consumer. Ive elected time and time again to remove my name and number and any other information from your database and by federal law Im allowed to do so. I will continue till the end to fight for my federally protected rights to whatever and the full extent of the law, if necessary even file a class action lawsuit. Please adhere to my demands to my consumer rights Ive given you federal law that denounces the letter you sent per FCRA 603 ( x ) please take heed to federal law and make the necessary steps to remove my name and number and ALL federal protected nonpublic information out of your database and please DO NOT REPORT any more of my information without consented and informing me prior to the transaction per FCRA 604 ( 2 ) rather it be through a third party non-affiliate or directly.

Thanks for not infringing on my federal consumer rights. 
XXXX XXXX

Company response to consumer: Closed with explanation