Consumer complaint received 2025-11-12 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: OH

Complaint narrative:
I, XXXX XXXX, am filing this complaint because XXXX  and its data furnishers are reporting inaccurate and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Metro2 data reporting standards.

After reviewing my XXXX  credit report dated XX/XX/year>, XXXX XXXX compliance analysis and my manual review found the following major errors and compliance violations : 1. Name mismatches : XXXX  is reporting multiple name variations XXXX XXXX, XXXX XXXX, and XXXX XXXX. This results in improper file merging and misattribution of accounts.

2. Address duplication and mismatched identifiers : The report lists multiple variations of the same address ( e.g., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX appearing in several formats with conflicting address IDs ).

3. Contradictory account data : Some tradelines, including XXXX XXXX, show Charged Off / Never Late, which is internally contradictory and violates Metro2 reporting logic.

4. Re-aged or altered dates : Certain accounts appear to have modified Date of First Delinquency ( DOFD ) and Charge-Off Date fields that extend beyond the permissible reporting window.

5. Duplicate charge-offs : Some charged-off accounts appear again as separate collection tradelines from third parties ( e.g., XXXX XXXX XXXX XXXX XXXX ), violating Metro2 transfer coding requirements ( Field 17A, Account Status Code 93 ).

6. Unverified balances : Multiple accounts report written-off or transferred balances inconsistent with the original creditors payment history.

7. Unauthorized hard inquiries : Several inquiries from XXXX were made without my authorization or permissible purpose. 



Despite prior disputes, XXXX  continues to report these items as verified without providing documentation or the full Metro2 field data used in the reinvestigation.

-- - What I requested and what XXXX  failed to provide : Verification of each disputed tradelines full Metro2 data fields, including Date of First Delinquency ( DOFD ), Date Reported, Date of Charge-Off, and monthly payment history.

A copy of the documents and evidence the furnishers provided to verify these accounts.

Disclosure of any automated matching or scoring process ( including XXXX XXXX  or e-Oscar algorithms ) used to associate these accounts with my file. 


XXXX failed to provide this evidence and simply returned a verified status without proper reinvestigation. This constitutes a violation of : FCRA 1681i ( a ) Failure to conduct a reasonable reinvestigation.

FCRA 1681e ( b ) Failure to maintain maximum possible accuracy.

FCRA 1681g Failure to disclose sources and methods used to verify data.

-- - What I am requesting from the CFPB : I respectfully request that the CFPB compel XXXX  to : 1. Delete all unverifiable and non-compliant tradelines immediately, including but not limited to : XXXX XXXX ( multiple accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card accounts 2. Remove duplicate or inaccurate addresses and name variations from my file.

3. Provide a complete Metro2 field disclosure for every active tradeline on my file, including DOFD, Date Reported, and Account Status codes.

4. Provide full documentation from each furnisher showing proof of my liability and account ownership.

5. Investigate XXXX use of automated algorithms ( e-Oscar, XXXX XXXX, or equivalent ) for false-positive file matching that merges incorrect consumer data. 


6. Compensate me for damages caused by XXXX  negligent reporting and verification errors, as allowed under FCRA 616617.

Company response to consumer: Closed with explanation