Consumer complaint received 2025-12-23 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: PA

Complaint narrative:
NOTICE OF FORMAL APPEAL AND DEMAND FOR RE-INVESTIGATION Date : XX/XX/year> Consumer : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX To : Early Warning Services , LLC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AZ XXXX RE : APPEAL OF DISPUTE CASE XXXX : XXXX & XXXX To the XXXX XXXX XXXX, I am in receipt of your correspondence dated XX/XX/year>, regarding the reinvestigation of accounts furnished by XXXX XXXX ( Account Nos. XXXX and XXXX ). I am formally appealing your determination that this information is " accurate and complete ''. I demand an immediate, thorough, and manual re-investigation of these records to facilitate their permanent removal from my consumer file. 





I. LEGAL GROUNDS FOR APPEAL Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of disputed information. Your recent response states that Early Warning does not have access to account level documentation and relies solely on the Furnisher 's internal review. This process is insufficient to meet the standard of a " reasonable '' investigation when the consumer asserts the records themselves are inaccurate. 




Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if an item is found to be inaccurate or can not be verified, the consumer reporting agency must promptly delete that item from the consumers file. 

XXXX. DISPUTED RECORDS & ACCURACY CONCERNS I dispute the following in their entirety : Case ID XXXX : XXXX XXXX Account XXXX. 



XXXX ID XXXX : XXXX XXXX Account XXXX. 


The information being reported is inaccurate. Your refusal to remove these items based on a summary check with the Furnisher, despite your admission that you do not possess the actual underlying account documentation, constitutes a failure to maintain reasonable procedures to ensure maximum possible accuracy as required by 15 U.S.C. 1681e ( b ). 




XXXX. DEMAND FOR NEW INVESTIGATOR & PROCEDURES I formally request that a new, senior investigator be assigned to these cases to perform a manual review of the data. The automated verification process between Early Warning and XXXX XXXX has failed to identify the inaccuracies in my file. 




I also demand : A detailed description of the procedures used to determine the accuracy of these specific items, as allowed under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 


The immediate deletion of these records if they can not be verified through independent documentation rather than a simple electronic code from the Furnisher. 


IV. FINAL NOTICE Failure to correct these inaccuracies or provide a meaningful reinvestigation will be considered a willful violation of the FCRA. Please be advised that I am prepared to exercise all legal rights available to me, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

I look forward to receiving notification within 30 days that these items have been deleted from my report. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation