Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX | Phone : XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Office of the Attorney General ( State of California ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX Subject : Formal Complaint Credit Reporting Violations, Banking Discrimination, and Unfair Business Practices Dear Consumer Protection Authorities, I am submitting this formal consumer complaint against XXXX, XXXX XXXX XXXX XXXX ( XXXX ), and Early Warning Systems LLC ( EWS LLC ) for unfair, deceptive, and illegal actions that have severely impacted my financial stability and violated multiple federal consumer protection laws.

Despite repeated attempts to correct these false and misleading reports, these entities have failed to take any corrective action, in direct violation of the Fair Credit Reporting Act ( FCRA ), Equal Credit Opportunity Act ( ECOA ), Consumer Financial Protection Bureau ( CFPB ) rules, and Unfair and Deceptive Acts and Practices ( UDAP ) regulations.

-- - Summary of Legal Violations and Supporting Precedents 1. Equifax and Early Warning Systems Reported My Credit as XXXX  or N/A ( FCRA Violation - 1681e ( b ) ) Issue : XXXX falsely reported me as having no credit score despite my established credit history.

Issue : Early Warning Systems ( EWS LLC ) prevented a credit score from generating, leading to unjustified denials of financial services.

Legal Violation : FCRA 1681e ( b ) - Duty to Ensure Maximum Possible Accuracy Supporting Case Law : Cortez v. TransUnion ( 2002 ) The court ruled that credit bureaus must ensure accurate reporting and not suppress credit data that affects consumer lending.

Ramirez v. TransUnion ( 2021, Supreme Court ) Affirmed that false or misleading credit reporting can result in direct consumer harm and legal liability. 



Claim : {$1000.00} per FCRA violation per entity ( XXXX, EWS LLC ). 


-- - XXXX. XXXX Denied Me Banking Services Without Legal Justification ( ECOA Violation - 1691 ( d ) ) Issue : XXXX refused to provide a deposit account or credit union membership, citing an inaccessible or unworthy score, despite having no derogatory history.

Issue : XXXX confirmed that I have NO derogatory information, making this denial unjustified and discriminatory. 

Legal Violation : ECOA 1691 ( d ) - Prohibits Arbitrary Denials of Financial Services Supporting Case Law : Regulation B of the ECOA ( 15 U.S.C. 1691 ) Lenders can not deny credit or banking services without a verifiable, non-discriminatory reason.

Claim : Up to {$10000.00} per unjustified banking denial under ECOA.

-- - 3. Failure to Provide Legally Required Adverse Action Notices ( ECOA Violation - 1691m ( a ) ) Issue : XXXX failed to provide a written explanation for the denial of my deposit account and credit union membership.

Legal Violation : ECOA 1691m ( a ) - Requires Written Notice for Denials Based on Credit Supporting Case Law : Treadway v. Gateway Chevrolet Oldsmobile Inc. ( 2005 ) The court ruled that failure to provide a legally required adverse action notice is a direct ECOA violation.

Claim : {$1000.00} per failure to issue a required notice under ECOA.

-- - 4. Unfair and Deceptive Acts and Practices ( UDAP - CFPB Violation ) Issue : XXXX, XXXX, and EWS LLC are knowingly preventing me from accessing financial services by manipulating their reporting algorithms, effectively making my credit invisible.

Issue : This false reporting has resulted in direct financial harm, making it impossible for me to obtain credit fairly.

Legal Violation : CFPB & FTC UDAP Regulations - Prohibits Unfair, Deceptive, or Manipulative Business Practices Supporting Case Law : CFPB v. TransUnion ( 2022 ) The CFPB penalized TransUnion for failing to correct misleading credit reporting practices that harmed consumers.

Claim : CFPB & FTC Investigation into Systematic Credit Suppression.

-- - Harm and Damages Suffered Lost access to essential banking services, including credit union membership and deposit accounts.

Increased interest rates and credit denials, directly affecting my financial well-being.

Repeated credit inquiries, which further damaged my credit score, despite me only shopping for one financial product.

Total Statutory Damages Exceeding {$10000.00} ( Pending Actual Financial Loss Calculations ).

-- - Requested Relief and Demands 1. Immediate Correction of Credit Reports : Order XXXX  and EWS LLC to remove the N/A or XXXX score designation and ensure proper credit scoring. 



2. Immediate Banking Reassessment : Require XXXX  to reevaluate my banking application based on the corrected credit report. 



3. Mandatory Adverse Action Notices : XXXX and all involved institutions must issue a proper ECOA adverse action notice, outlining the specific reason for my denial. 



4. Statutory Compensation for Violations : Seek {$1000.00} per FCRA violation, up to {$10000.00} per ECOA violation.

5. Full CFPB & FTC Investigation : Investigate whether XXXX, XXXX, and EWS LLC are systematically engaging in consumer discrimination and credit suppression tactics.

-- - Conclusion This matter requires immediate attention. If these violations are not addressed within 30 days, I will escalate to legal action for full statutory and punitive damages.

I expect written confirmation from CFPB, FTC, and the Attorney Generals Office regarding the next steps in their investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation