Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Early Warning Services, LLC
State: MA

Complaint narrative:
Official Complaint to the CFPB Re : Early Warning Services Ongoing and Willful Violations of the FCRA Submitted by : XXXX XXXX Contact Information : Phone : XXXX Email : XXXX To Whom It May Concern, This complaint demands immediate enforcement action against Early Warning Services , LLC ( EWS ) for flagrant and willful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Their failure to provide a timely response to my consumer report request and continued disregard for their statutory obligations require the Consumer Financial Protection Bureau ( CFPB ) to intervene and impose maximum penalties. 

EWS has violated federal law, and I demand the immediate deletion of all negative marks from my consumer report pursuant to the FCRA. 

Summary of Violations Failure to Provide Consumer Report ( 15 U.S.C. 1681g ) : On XX/XX/XXXX, I submitted a written request to EWS via fax for a copy of my consumer report. My fax machines dated confirmation logs serve as irrefutable evidence that this request was sent. Under 15 U.S.C. 1681g and related provisions, EWS was legally required to provide my consumer report within 45 days at the absolute maximum. EWS failed to meet this obligation, ignoring my request for more than 70 days, which constitutes a knowing and willful violation of federal law. 
Statutory Requirement to Delete Negative Marks ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) : The FCRA explicitly requires that when a consumer reporting agency ( CRA ) fails to respond to a consumer 's request within the required timeframe, any disputed or negative information must be deleted. EWSs refusal to comply with this statutory mandate is unacceptable and demands immediate correction. 
Retaliatory and Harassing Conduct : After failing to respond within the legally mandated timeframe, EWS began bombarding me with daily harassing phone calls. These actions appear to be a bad-faith attempt to circumvent the law and intimidate me into abandoning my rights under the FCRA. 
Harm Caused by EWSs Violations EWSs blatant disregard for the FCRA has caused significant harm, including : Inability to Obtain a Bank Account : Their illegal actions have hindered my financial stability. 
Emotional and Physical Distress : As a XX/XX/XXXXuffering from XXXX XXXX XXXX,XX/XX/XXXX XXXX XXXX, and a history of XXXX XXXX, the stress caused by their violations has placed my life in jeopardy. 
Financial Damage : The inability to maintain basic financial services due to their failure to comply has resulted in cascading financial losses. 
Legal Precedent and Damages The FCRA provides for both actual and punitive damages for willful violations under 15 U.S.C. 1681n. Courts have consistently ruled against XXXX for failure to comply with disclosure and deletion requirements, as seen in XX/XX/XXXXv. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), where the court awarded substantial damages for FCRA violations. 
Given the significant harm caused by EWS, I am demanding a minimum of {$250000.00} in compensation, covering actual damages, emotional distress, and punitive damages. If EWS does not comply immediately, I am prepared to pursue litigation, where I am confident the courts will award damages far in excess of this amount. 

Demands Immediate Deletion of Negative Marks : Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that EWS immediately delete all negative marks from my consumer report as they failed to respond to my initial request within the statutory timeframe. 
Cease Harassment : EWS must immediately stop all harassing phone calls and retaliatory communications. 
Regulatory Penalties : I urge the CFPB to investigate and impose the maximum allowable fines and penalties on EWS for their repeated, willful violations of the FCRA. 
Monetary Compensation : I am demanding {$250000.00} in compensation for the financial, emotional, and physical harm caused by EWSs actions. 
Conclusion EWSs ongoing violations of federal law are a direct attack on my rights as a consumer under the FCRA. Their refusal to comply with statutory obligations, coupled with their harassment, has caused me undue stress, financial instability, and physical harm. 

This is a demand for immediate corrective action and compensation. Failure to act will result in escalated legal proceedings, where I will not only pursue damages but also ensure public exposure of EWSs unlawful practices. 

Sincerely, XXXX XXXX XXXX XXXX ****They have now since blocked me from accessing their website, Ive attached a screen shot of that as well

Company response to consumer: Closed with explanation