Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this formal complaint regarding widespread and unauthorized access to my consumer reporting information through XXXX  and XXXX by multiple financial institutions, in direct violation of the Fair Credit Reporting Act ( FCRA ) and the California Consumer Financial Protection Act ( CFRA ). 

I did NOT initiate, authorize, or consent to any consumer application, account review, or transaction with the following institutions, yet they accessed my consumer report regardless : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( including access on behalf of third parties ) XXXX XXXX XXXX XXXX ( where no consumer-initiated purpose exists ) These entities accessed my consumer report without a consumer-initiated transaction, without written authorization, and without a lawful permissible purpose, in violation of FCRA 604 ( a ). Their actions further demonstrate failure to maintain reasonable procedures to ensure compliance, as required by FCRA 607. 

For clarity and to avoid misrepresentation, ONLY the following institutions had permissible purpose and are expressly excluded from this dispute : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All other inquiries are impermissible, unauthorized, and unlawful. 

-- - XXXX XXXX XXXX XXXX FAILURE TO VERIFY & ESCALATION Despite numerous documented, good-faith attempts to obtain verification and confirmation of permissible purpose from XXXX XXXX XXXX XXXX XXXX XXXX has failed and refused to substantiate its inquiry or provide proof of consumer authorization. 

XXXX has been afforded multiple opportunities to cure this violation and comply with statutory verification requirements. Its continued non-response and non-compliance demonstrate disregard for obligations imposed under FCRA 604 and 607.

As a result of this failure to verify after repeated attempts, I am now taking formal steps to have the court system address this matter, as regulatory remedies have been exhausted without resolution. 

-- - ONGOING HARM & SYSTEMIC NON-COMPLIANCE The continued reporting of these unauthorized inquiries has caused material harm, including elevated denial risk, increased underwriting scrutiny, and interference with lawful banking relationships. The presence of duplicate inquiries, particularly by XXXX XXXX XXXX XXXX, further evidences reckless or willful non-compliance. 

This pattern raises serious concerns regarding systemic misuse of consumer reporting systems and inadequate internal controls governing permissible-purpose access. 

-- - REQUESTED CFPB ACTION I respectfully request that the CFPB take the following actions : XXXX. Require immediate deletion of all unauthorized inquiries listed above XXXX. Compel each reporting institution to produce documented proof of permissible purpose XXXX. Investigate systemic misuse of XXXX  and XXXX access XXXX. Require corrective compliance and internal audit measures XXXX. Provide written confirmation of resolution This complaint is submitted in good faith. However, absent prompt correction, I reserve all rights to pursue statutory remedies for negligent and willful non-compliance under FCRA 616617, CFRA, and applicable state law. 

Sincerely, XXXX XXXX XXXX ID : XXXX

Company response to consumer: Closed with explanation