Consumer complaint received 2025-03-09 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: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Early Warning Services , LLC Attention : Consumer Disputes XXXX XXXX XXXX XXXX. 
XXXX, AZ XXXX Subject : Dispute of Fraudulent XXXXXXXX XXXX Account XXXX and Request for Immediate Removal Dear Sir/Madam, I am writing to formally dispute the reporting of a XXXX XXXX account to Early Warning Services ( EWS ), which has been listed under my name and Social Security number. I believe this account was opened fraudulently, without my consent or authorization, and I demand that it be immediately removed from my record. 
Upon reviewing my credit and financial history, I noticed that a XXXXXXXX XXXX  account is being reported to Early Warning Services in my name. I did not open this account, nor did I give any consent to XXXXXXXX XXXX  or any other entity to open or maintain it. This account is a clear case of identity theft, and I have reason to believe that it was opened fraudulently with no intention of complying with the necessary terms or consents as required by law. 
Legal Grounds for Dispute As a victim of identity theft, I would like to highlight my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Federal Trade Commission ( FTC ) regulations. Under the FDCPA ( specifically, 15 U.S.C. 1692g ) and FTC regulations, I am entitled to dispute any fraudulent debts or accounts that do not belong to me. I am also entitled to protection from any collection attempts on accounts that were opened without my consent, especially in the case of identity theft. 
According to the FTC Identity Theft Rules ( 16 CFR Part 603 ), I am protected against the reporting of fraudulent accounts, and I am entitled to have such accounts removed from any consumer reporting agencies such as Early Warning Services. This is because the account in question does not belong to me, and I did not enter into any contractual agreement with XXXXXXXX XXXX 
Furthermore, the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c ) places limits on the amount of time negative information can be reported. Specifically, the FCRA restricts the reporting of negative information, including fraudulent accounts, to a period of seven years from the date of the occurrence or the date of the first delinquency. According to the Early Warning Services report I was provided, the XXXXXXXX XXXX  account was opened XX/XX/XXXX. 
Since this account was opened fraudulently and did not result from any valid transaction or agreement on my part, it is subject to the statute of limitations for reporting. As a result, this fraudulent account has exceeded the seven-year period within which it can legally be reported under the FCRA. This should further substantiate the immediate removal of this account from my record, as it is both fraudulent and past the allowable time for such reporting. 
Request for Immediate Action In light of the information above, I formally request that both XXXXXXXX XXXX  and Early Warning Services : 1. Immediately remove the fraudulent account from my consumer report with Early Warning Services, as it was opened without my consent and constitutes identity theft. 
XXXX. Provide written confirmation that the fraudulent account has been removed from my report, along with an explanation of the steps taken to address the fraudulent account. 
XXXX. Provide a copy of any documentation related to the fraudulent account opening, such as account applications, and any communications from XXXXXXXX XXXX  regarding this account. 
If necessary, I have taken the initiative to provide additional documentation to support my claim, such as police reports and FTC identity theft affidavits. 
I request that XXXXXXXX XXXX  and Early Warning Services acknowledge receipt of this letter within 30 days and provide me with the status of the account removal. Should this fraudulent and out-dated account not be removed promptly, I will have no choice but to pursue further action, including filing complaints with the FTC, Consumer Financial Protection Bureau ( CFPB ), and State Attorney General 's Office. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX Enclosures : XXXX. Copy of my identification ( e.g., drivers license ) 2. Copy of my police reports and FTC Identity Theft Reports 3. Any other supporting documentation, including a copy of the Early Warning Services report with the highlighted account.

Company response to consumer: Closed with explanation