Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: OR

Complaint narrative:
Describe What Happened : I have recently reencountered an issue where my account with XXXX XXXX XXXX XXXX was restricted based on a report from Early Warning Services ( EWS ). XXXX XXXX informed me that they were not responsible for the restrictions and that the decision was based solely on the report received from EWS.

To address this issue, I contacted EWS. I spoke with a representative who suggested that I reach out to the furnishers of the information ( XXXX XXXX and XXXX XXXX  ) to verify if there were any records of an account balance owed or other derogatory information on file. 

On XX/XX/year>, I contacted XXXX XXXX, providing them with the identifying information, including the account number furnished to EWS and my social security number. Despite multiple inquiries across different departments, XXXX XXXX  could not locate any record associated with the provided information. 

I followed the same process with XXXX XXXX on XX/XX/year>, providing them with the necessary identifying information. Coincidently, XXXX XXXX  also reported having no record associated with the identifying information provided. 

Both institutions directed me to follow the dispute process outlined in the EWS report, based on attempts to validate and verify the furnished account information. Given that neither XXXX XXXX  nor XXXX XXXX  could find any records corresponding to the furnished information, I am disputing the accuracy of this information as published by EWS. 

Key Events : Initial Restriction : Account restrictions imposed by XXXX XXXX XXXX XXXX based on an EWS report. 

Contacting EWS : Reached out to Early Warning Services and was advised to contact the furnishers of the information ( XXXXXXXX XXXX and XXXX XXXX  ). 

Inquiries at XXXX XXXX  : Date : XX/XX/year> XXXX : Provided identifying information to locate the account. 

Result : XXXX XXXX  could not find any records associated with the provided account number or social security number. 

Inquiries at XXXX XXXX  : Date : XX/XX/year> XXXX : Provided identifying information to locate the account. 

Result : XXXX XXXX  could not find any records associated with the provided account number or social security number. 

Dispute Process : XXXX to follow the dispute process listed on the EWS report based on information from the furnishers. 

Actions Taken : Contacted EWS : To understand the basis of the report and receive guidance on resolving the issue. 

XXXX XXXX XXXX  and XXXX XXXX  : To verify if there were any records of an account balance owed or derogatory information on file. 

Initiated Dispute Process : Based on the lack of records found by XXXX XXXX  and XXXX XXXX, I am disputing the validity of the information furnished to EWS. 

Conclusion : Despite my efforts to verify the information with XXXX XXXX  and XXXX XXXX, no records were found to support the information furnished to EWS. I request that Early Warning Services thoroughly investigate this matter and remove the inaccurate information from my consumer report to ensure compliance with consumer protection laws. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation