Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I sent a certified debt validation request to XXXX XXXX Solutions. Despite proof of delivery via XXXX XXXX Mail, XXXX failed to respond within the required 30-day period and has provided no documentation to validate the alleged debt. Under FDCPA 809 ( b ), debt collectors must cease all collection activity and verify the debt when validation is requested. XXXX 's silence is a direct violation of federal law. 

On XX/XX/XXXX, I submitted a final follow-up, including an affidavit and documentation of Radius Globals failure to validate the debt, to address Early Warnings lack of response to my original submission dated XX/XX/XXXX. However, on XX/XX/year>, I received a dismissive response letter stating that " it has been determined that your dispute does not offer any new or additional information. '' This response ignored the fact that my affidavit and debt validation documentation were, in fact, new and critical. 
Adding to the confusion and burden, Early Warning Services has refused to provide copies of any account documentation. In a letter dated XX/XX/year>, Early Warning stated that it " does not have access to my account documents and is therefore unable to provide copies of any documents. '' When I requested proof to support their denial of my dispute, they insisted I contact the furnisher, XXXX XXXX. However, XXXX XXXX no longer owns the debt, and I have been left without any recourse or clarity. 

This unresolved and improperly verified account has significantly impacted my ability to open a new bank account. I have done everything in my power to follow the legal process of sending certified letters, requesting documentation, and exhausting the dispute process. Yet I continue to face closed doors and automated denials for basic financial services due to an entry that should not legally remain on my record.

Early Warning has a legal obligation under FCRA 1681s-2 ( b ) to ensure the accuracy of the information it reports. Continuing to report an account that remains unvalidated is a clear violation of both the FDCPA and the FCRA. Given the lack of supporting documentation and failure to verify the debt, I am requesting the immediate removal of this inaccurate and unverified inquiry from my consumer report.

Enclosed are the following supporting documents for your review : Certified debt validation letter dated XX/XX/year> Radius Global Solutions proof of debt ownership XXXX proof of delivery confirming receipt Affidavit XX/XX/year> denial response from Early Warning XX/XX/year> letter stating Early Warning has no access to account documentation I am requesting the immediate removal of this unverified and inaccurate inquiry in accordance with federal law. This situation has made it exceedingly difficult for me to access essential financial services. I am simply seeking a fair resolution and the ability to move forward.

Thank you for your prompt attention to this matter. I expect full resolution within the 30-day period as required under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation