Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
EARLY WARNING services has illegally required my personal information and is reporting my transaction history to other financial institutions. Early warning services states that I don't have the authority to regulate whether to XXXX XXXX of their credit reporting because they have permission from my bank. 

I am putting Early Warning Service, XXXX XXXX and XXXX XXXX  XXXX on notice they have 14 days or less to cease and desist reporting my personal non public private information to early warning services. In my terms and conditions from both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX they state they WILL NOT furnish my information to ANY NON-AFFILIATES! EARLY WARNING SERVICE IS NOT AN AFFILIATE OF EITHER OF THE BANKS I BANK WITH! THEREFORE, they do not fall under the scope of permissible purpose pursuant 15 use 1681 ( b ) which states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or again since EARLY WARNING SERVICES IS A NON-AFFILIATE they have no jurisdiction to stop me from opting out of their credit services, nor was it disclosed to me that they would be involved in the connection of my consumer credit transaction.

EARLY WARNING SERVICES has 14 days from the receipt of this notice to furnish the following information : List and produce evidence from ALL Financial institutions on my early warning services report who gave them permission to report this information. LIST THE NAME OF THE FINANCIAL INSTITUTIONS, THE DATES AND TIMES IN WHICH PERMISSION WAS GIVEN. PROVIDE IRREFUTABLE EVIDENCE THEY ARE AFFILIATES OF THE FINANCIAL INSTITUTIONS I BANK WITH. WHO DID THEY RECEIVE PERMISSIBLE PURPOSE FROM TO REPORT THIS INFORMATION. PRODUCE THE DISCLOSURE OR AGREEMENT I SIGNED AGREEING TO OPT-IN TO THEIR SERVICES.

IF THEY SAY THEY RECEIVED PERMISSIBLE PURPOSE FROM MY BANK PLEASE PRODUCE THE DOCUMENTATION AND PROOF OF WHEN AND HOW MY BANKS GAVE THEM SUCH AUTHORITY. AS WELL AS HOW WHO REALLY GAVE THEM MY INFORMATION. ALL TRANSACTIONS WITH MY BANKS ARE PRIVATE SO HOW HAS EARLY WARNING SERVICE RECEIVED THE AUTHORITY TO MAKE THIS PUBLIC INFORMATION AVAILABLE TO ANYONE WHO REQUESTS IT. THIS IS A VIOLATION OF THE PRIVACY ACT OF 1974 WHICH PROVIDES SAFEGUARDS AGAINST UNWARRANTED INVASION OF MY PRIVACY. 

attached is a list of XXXX XXXXXXXX XXXX affiliates and early warning service is not on there as well as a notice from XXXX XXXX that they will not provide my information to non affiliates, you have 14 days to produce irrefutable proof of the requested documentation listed above. if you have the authority to report this information and stop me from regulating how my information is distributed then you should have proof of such claim. I look forward to your answer. Id also like to state XXXX XXXX XXXX XXXX states they will report some of my information to the credit bureau and since the only credit bureau is the CFPB you most definitely have no authority here.

Company response to consumer: Closed with explanation