Consumer complaint received 2025-04-22 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: URGENT IDENTITY THEFT COMPLAINT AGAINST XXXX XXXX XXXX XXXX XXXX  DEMAND FOR IMMEDIATE DELETION & BLOCKING UNDER FCRA LAWS\n\nTo Whom It May Concern,\n\nI am a victim of identity theft and have filed an official report with the FTC (Report #XXXX), which includes details of multiple fraudulent accounts opened under my name with XXXX XXXX XXXX XXXX XXXX XXXX Services. I have never opened any bank or credit card account with XXXX XXXX in my life and demand immediate and permanent deletion of all such accounts from my credit file.\n\nFRAUDULENT ACCOUNTS:\n\nCREDIT CARDS (XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBANK ACCOUNTS XXXX XXXX   I NEVER OPENED THESE):\n\t\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts are fully documented in my FTC Identity Theft Report, which includes my signed personal statement under penalty of perjury. You are required to honor the rights afforded to me under the Fair Credit Reporting Act (FCRA) and block and delete this information immediately.\n\n\n\nLEGAL VIOLATIONS\n\nUnder 15 U.S.C.  1681c-2(a) of the FCRA, once a consumer provides an Identity Theft Report, the consumer reporting agency must block the reporting of any information that is the result of identity theft within four (4) business days. JXXXX XXXX has continued to report these accounts despite valid notice, which constitutes a clear violation.\n\nFurthermore, under 15 U.S.C.  1681s-2(a)(6), data furnishers like XXXX XXXX are prohibited from reporting information once they are notified it results from identity theft and must take corrective action.\n\nAdditionally, under 15 U.S.C.  1681g and  1681s-2(b), I demand the full method of verification, investigation records, and all supporting documentation used to verify these accounts  including a copy of any contract, wet-ink signature, or application, if such even exists. I am also demanding:\n\t\tFull chain of title and assignment of these debts, and\n\t\tWhether these accounts have been securitized, packaged into asset-backed securities, or sold to third parties.\n\nIf XXXX XXXX cannot produce original documentation proving I authorized these accounts, you must comply with federal law and permanently delete and block them immediately.\n\n\n\nDEMAND FOR IMMEDIATE ACTION\n\nI demand that all fraudulent accounts and information related to XXXX XXXX XXXX XXXX XXXX be:\n\t1.\tDeleted from all consumer reporting agencies within 4 business days, and\n\t2.\tPermanently blocked from re-reporting under 15 U.S.C.  1681c-2,\n\t3.\tThat XXXX XXXX cease all data furnishing and collection activity related to these accounts, and\n\t4.\tThat full verification and any securitization documents be provided.\n\nFailure to comply will result in immediate legal action, including but not limited to:\n\t\tA lawsuit under 15 U.S.C.  1681n &  1681o for willful and negligent noncompliance with the FCRA,\n\t\tClaims for statutory damages, actual damages, emotional distress, and attorney fees,\n\t\tComplaints to the Office of the Comptroller of the Currency (OCC) and XXXX  Attorney General.\n\nRespectfully,\nXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation