Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Violations of the Fair Credit Reporting Act ( FCRA ) Your role as a consumer reporting agency obligates you to adhere strictly to the provisions of the FCRA, which include : Accuracy Requirements ( 15 U.S.C. 1681e ( b ) ) : You are mandated to implement reasonable procedures to ensure maximum possible accuracy in reporting. Your failure to exclude incorrect information related to my identity constitutes a serious violation of this provision. Investigation of Disputes ( 15 U.S.C. 1681i ) : Following my dispute regarding this account, you were required to conduct a thorough and reasonable reinvestigation within 30 days. Your continued reporting of this inaccurate information indicates a systemic failure to fulfill this requirement, which jeopardizes my financial reputation. Deletion of Inaccurate Information ( 15 U.S.C. 1681i ( a ) ) : If the information can not be substantiated or verified, it is your legal obligation to remove it from my consumer report. The persistent presence of this fraudulent account exemplifies your failure to uphold this obligation. 3. Complicity in Debt Collection Violations As EARLY WARNING SYSTEMS is complicit in the reporting of fraudulent information from EARLY WARNING SYSTEMS, you are indirectly aiding and abetting their unlawful debt collection practices. Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from engaging in any misleading or deceptive conduct. By failing to accurately report the status of this account and allowing the inclusion of this erroneous charge-off, you are facilitating EARLY WARNING SYSTEMS s unlawful attempts to collect a debt that is not owed by me. This behavior not only violates the FDCPA but also places you in a position of liability. Prohibited Practices ( 15 U.S.C. 1692 ) : The FDCPA prohibits false representation of the character, amount, or legal status of any debt. Your reporting of a debt that I do not owe clearly constitutes a violation of this law. This adds to your accountability as a consumer reporting agency, which must ensure the accuracy of information furnished to you. 4. Potential Wire and Mail Fraud Violations The ongoing reporting of this fraudulent account raises concerns about violations of wire fraud and mail fraud statutes under 18 U.S.C. 1341 and 1343. These laws criminalize any scheme to defraud another party by means of false or fraudulent representations. The actions taken by EARLY WARNING SYSTEMS, supported by your inaccurate reporting, appear to facilitate fraudulent activities that significantly harm my credit standing and financial reputation. Conspiracy to Commit Fraud : Should the activities surrounding this account be connected to a broader scheme involving fraudulent representation, I am prepared to pursue all legal remedies available, including civil and potentially criminal actions against all parties involved. 5. Systematic Failure to Comply with Reporting Standards EARLY WARNING SYSTEMS ' apparent systemic failure to implement reasonable procedures to assure maximum possible accuracy, as mandated by 15 U.S.C. 1681e ( b ), is alarming. The inclusion of erroneous information undermines the integrity of my consumer report and exposes you to potential legal repercussions. By allowing the continuation of inaccurate reporting, you have contributed to a harmful practice that adversely affects consumers. 6. RICO Implications The persistence of fraudulent activity associated with my consumer report raises substantial concerns under the Racketeer Influenced and Corrupt Organizations Act ( RICO ). If these actions are found to be part of a larger pattern of racketeering activity, I will not hesitate to seek all legal remedies available under federal law.

Company response to consumer: Closed with explanation