Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: MN

Complaint narrative:
Subject : Formal Complaint Regarding Early Warning Services , LLC and XXXX  XXXX XXXX for Non-Compliance with FCRA Requirements in Handling Identity Theft Disputes and Fraudulent Reporting Dear CFPB, As a consumer protected under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am submitting this complaint against Early Warning Services , LLC ( EWS ) and XXXX XXXX XXXX XXXX  ) for their persistent refusal to expunge fraudulent account details from my consumer reports. This inaction persists despite my submission of irrefutable evidence, including a police report chronicling the theft of my banking credentials ( checks and debit cards ), FTC-affidavit-based identity theft reports, official data breach alerts verifying the exposure of my PII, and archived CFPB complaints detailing prior fraud events. Furthermore, I have dispatched certified mail to both entities, explicitly invoking their legal duty to investigate these claims and excise all erroneous, fraud-related data from my records. 
The disputed entries involve accounts and activities fraudulently initiated by identity thieves using my compromised information. This has severely impacted my access to banking services, as financial institutions rely on these reports for account approvals. EWS and XXXX  failure to act has prolonged my exposure to financial risks and emotional strain. 
The companies conduct constitutes multiple violations of the FCRA, including but not limited to the following four : 1. Violation of 15 U.S.C. 1681c-2 ( Identity Theft Block ) : FCRA requires CRAs to block fraudulent information within four business days upon receipt of an identity theft report and supporting documents. My provision of FTC reports, police documentation, and data breach evidence met this threshold, yet both EWS and XXXX  have not implemented the required block, allowing the fraudulent data to continue affecting my report.

2. Violation of 15 U.S.C. 1681i ( a ) ( Reinvestigation of Disputes ) : CRAs must reinvestigate disputed items free of charge and within 30 days, considering all consumer-provided evidence. My certified disputes, backed by police and FTC reports, were not adequately investigated, as evidenced by the unchanged reports, breaching this procedural safeguard. 
XXXX. Violation of 15 U.S.C. 1681s-2 ( b ) ( Duties of Furnishers Upon Notice of Dispute ) : Although primarily for furnishers, CRAs like EWS and XXXX  must notify furnishers of disputes and ensure corrections. They failed to facilitate this process after my notifications, resulting in unaddressed inaccuracies from potentially complicit or negligent furnishers.

4. Violation of 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) : By maintaining and potentially disseminating fraudulent information without verification, the companies have enabled impermissible uses of my report, as the inaccurate data does not serve a legitimate purpose and violates the accuracy implied in permissible disclosures. 
These infractions undermine the core protections of the FCRA and have caused me tangible harm. I have preserved all relevant documentation for review. 
I urge the CFPB to initiate an enforcement action, mandate the deletion of the fraudulent entries, assess fines, and keep me informed of progress.

Company response to consumer: Closed with explanation