Consumer complaint received 2024-01-10 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: IL

Complaint narrative:
Early warning services Located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX in an attempt to continuously deny my federally protected RIGHT to opt out, Has completely ignored my demand to uphold my federally protected rights. FCRA section 604 ( e ) ( 1 ) ( 2 ) states A consumer may elect to have the consumers name excluded from ANY list provided by a consumer reporting agency in connection with a credit or insurance transaction that is not initiated by the consumer by notifying the agency that the consumer does not consent to any use of a consumer report relating the consumer in connection with credit or insurance transaction that is not initiated by the consumer, in which Ive made several attempts to do so via phone calls and CFPB complaints. Then I was sent a letter stating the cant allow me to opt out per FCRA 603 ( x ), this ONLY states the nature of the reporting agency but and their purpose, there are no statements in ANY of these sections that would make Early warning services exempt from federal law. The FCRA prohibits ANY agency from furnishing a consumer report which may include credit information without written consent from the consumer in which it relates to. Per FCRA 604 ( 2 ) Permissible Purpose ; FCRA 604 ( 2 ) states as a disclosure to the consumer that a CLEAR and CONSPICUOUS disclosure be made in writing and also authorized with the consumers signature before any consumer nonpublic personal information can be disclosed. The term nonpublic personal information means personally identifiable financial information provided by a consumer to a financial institution ; resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained by the financial institution. Such term does not include publicly available information, as such term is defined by the regulations prescribed undersection 6804 of 15 USC 6809. Except as otherwise provided in 15 USC 6802 afinancial institutionmay not, directly or through anyaffiliate, disclose to anonaffiliated third partyanynonpublic personal information, unless suchfinancial institutionprovides or has provided to theconsumera notice that complies withsection 6803 of 15 USC 6803. ( B ) Theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. No such disclosure agreements exist. These are just two of the federal violations that Early warning services continues to rectify. This will be my last complaint to the CFPB I am willing to go to the FTC as well as file a lawsuit for infringing on me federally protected consumer rights as explained within the FCRA and as well as the US code. Two very serious federal violations and no remedy due to the lack of respect for the federal law as I see it. Please correct the violations in a prompt and timely manner. 
Thank You.

Company response to consumer: Closed with explanation