Consumer complaint received 2025-10-09 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: GA

Complaint narrative:
Re : Identity Theft Request to Block Fraudulent Information under 15 U.S.C. 1681c-2 and Reinvestigate under 15 U.S.C. 1681i To Whom It May Concern : I am a documented victim of identity theft. I am writing to dispute the fraudulent accounts and inquiries referenced above and to demand that Early Warning Services immediately block all information on my consumer file that resulted from identity theft pursuant to federal law. 

BANK NAME : XXXX XXXX XXXX XXXX  Reported For : CLOSED Date of Closure : XX/XX/year> Reported Address, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ACCT # XXXX ROUTING # XXXX XXXX, GA XXXX Reported XXXX : XXXX Closure Status : Closed LEGAL BASIS AND DEMANDS 1 Block Fraudulent Information Immediately.

Pursuant to 15 U.S.C. 1681c-2, because I am a victim of identity theft and I have provided the enclosed documentation, you are required to block from my consumer file any information that resulted from identity theft. I demand that Early Warning Services : a. Immediately block and permanently delete the above-referenced fraudulent accounts and any related inquiries or tradeline information from my consumer file ; and b. Ensure those blocked entries are not reinserted into my file without written verification from me that the information is accurate and that reinsertion complies with the FCRA.

Under 15 U.S.C. 1681c-2 ( b ), the consumer reporting agency must block the information within four ( 4 ) business days of receiving this dispute and supporting documentation. Please confirm in writing that the block was completed and state the effective date.

2 Conduct a Reasonable Reinvestigation.

Under 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of disputed information. I demand you promptly investigate the fraudulent entries, confirm they are fraudulent, and provide me with a complete written report of your findings. If you determine the entries are fraudulent, you must permanently delete them and notify anyone who received the information within the past six ( 6 ) months, as required by the FCRA.

3 Cease Furnishing to Third Parties.

Until you complete your reinvestigation and block the fraudulent information, I demand that Early Warning Services refrain from furnishing this fraudulent data to any third parties now or in the future. 
4 Notice to Furnishers and Remedies. 

If Early Warning Services provided copies of the fraudulent accounts to any creditors or third parties, I demand you notify those parties that the entries were blocked as identity-theft-related and must not be used for any adverse action. Please note that the FCRA allows consumers to seek statutory and actual damages and attorneys fees for willful or negligent noncompliance ( 15 U.S.C. 1681n, 1681o ). I expect full compliance to avoid further action.

DOCUMENTATION ( enclosed ) To support this dispute and my request for blocking, I have enclosed the following : Copy of my government-issued photo ID ( drivers license or passport ) Proof of current address ( utility bill or lease ) Copy of my FTC Identity Theft Report / Identity Theft Affidavit filed with the Federal Trade Commission Any additional documentation showing the fraudulent account ( s ) : [ account statements, letters, screenshots, etc. ] Please treat this as my formal identity-theft dispute and my written request for blocking under 15 U.S.C. 1681c-2. I expect confirmation of receipt of this dispute and a written response stating the actions you have taken including the date you completed the block within the statutory timeframes. Please also provide documentation showing which entries were blocked and any notices you sent to third parties

Company response to consumer: Closed with explanation