Consumer complaint received 2024-11-15 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act, 15 U.S.C. 1681, Section 602 ( a ), consumer reporting agencies have a duty to conduct themselves with " fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies, and I am the consumer to whom this information pertains. I have the right to ensure that my personal information remains confidential, which is further supported by 15 U.S.C. 6801, stating, Congress affirms that each financial institution has an ongoing duty to respect the privacy of its customers and safeguard the security and confidentiality of their nonpublic personal information. Early Warning Services is a financial institution as defined under this title. 

Per 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), " a consumer reporting agency may furnish a consumer report only under specific conditions : in accordance with the written instructions of the consumer to whom it relates. In this case, Early Warning Services, along with the consumer reporting agencies XXXX and XXXX, lacks my consent to report my information, as no written authorization from me exists. Therefore, I hereby revoke any prior consentwhether verbal, non-verbal, written, implied, or otherwisegranted to XXXX, XXXX, and Early Warning Services.

Furthermore, under 15 U.S.C. 6802 ( b ) ( c ), a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of the right to opt out of such disclosure. At no point did Early Warning Services notify me of my right to opt out of this disclosure. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) specifies, " No consumer reporting agency may include any adverse item of information that predates the report by more than seven years, except as allowed under subsection ( b ). '' The account in question is an adverse item that has been reported without my authorization, contravening federal law.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), it is further stated, " No person shall furnish any information regarding a consumer to any consumer reporting agency if the person knows or has reasonable grounds to believe the information is inaccurate. '' Also, 15 U.S. Code 1681e mandates that each consumer reporting agency shall implement procedures to prevent violations of Section 1681c and to restrict the furnishing of consumer reports to the purposes enumerated under Section 1681b. It is evident that XXXX and XXXX have failed to maintain such reasonable procedures. Lastly, under 12 C.F.R. 1016.7, A consumer retains the right to opt out at any time. I am therefore opting out of these reporting services.

I am hereby opting out of Early Warning Services ' reporting services. Given the lack of response to my initial opt-out request, I demand immediate action to comply with federal regulations and uphold my consumer rights.

Company response to consumer: Closed with explanation