Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
This is an escalated complaint against Early Warning Services , LLC ( EWS ) for willful and negligent violations of 15 U.S.C. 1681c-2 and 15 U.S.C. 1681i ( a ) ( 5 ). Despite EWS initially confirming in writing that multiple accounts and inquiries resulting from identity theft were blocked under 15 U.S.C. 1681c-2, they have reinserted the same disputed and blocked information without : Certifying the accuracy of the reinserted information as required under 1681i ( a ) ( 5 ) ( B ).

Providing me with the required written notice within five business days of reinsertion.

This conduct constitutes misrepresentation, failure to comply with the Fair Credit Reporting Act ( FCRA ), and continuing publication of known fraudulent data on my consumer report. 

Facts & Timeline : XX/XX/XXXX I filed an initial CFPB complaint against EWS under 15 U.S.C. 1681c-2 to block identity theft-related accounts and inquiries. My submission included : My full name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Last four SSN digits : XXXX Proof of address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Government-issued ID : XXXX Identity Theft Report # XXXX Specific account and inquiry listings clearly identified as fraudulent. 

XX/XX/XXXX EWS confirmed in writing that all disputed identity theft items were blocked under the law, listing specific dispute IDs ( e.g., XXXX, XXXX, XXXX, XXXX, etc. ) as removed. 

Post-closure of CFPB complaint After marking my case resolved, EWS reinserted multiple previously blocked accounts and inquiries, including dispute IDs : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

No certification or notice At no point did EWS provide the mandatory written certification of accuracy or the required reinsertion notice under 1681i ( a ) ( 5 ) ( B ).

Applicable Law & Violations : 15 U.S.C. 1681c-2 ( a ) ( c ) Requires CRAs to block information resulting from identity theft within four business days upon receiving proof of identity, an identity theft report, and identification of the disputed information.

EWS initially complied, then willfully reversed the block without legal justification. 

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Prohibits reinsertion of deleted information unless : The furnisher certifies the informations completeness and accuracy to the CRA.

The CRA provides the consumer with written notice within five business days of reinsertion.

EWS violated both requirements. 

15 U.S.C. 1681n & 1681o Their actions demonstrate willful ( and at minimum negligent ) noncompliance, creating liability for actual, statutory, and punitive damages, plus attorneys fees.

Misrepresentation to a Federal Agency EWS closed my original CFPB complaint stating the information was blocked, yet subsequently reintroduced the very same accounts without compliance.

Harm & Ongoing Impact : Continued reporting of fraudulent accounts and inquiries directly impairs my ability to obtain credit, banking services, and employment.

This creates undue financial hardship, reputational damage, and emotional distress. 

The information is not related to any transaction I have authorized.

Company response to consumer: Closed with explanation