Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Experians Failure to Properly Investigate Disputes & Violation of My Rights Under FCRA Complaint Details : I am filing this complaint against XXXX due to their repeated failure to properly investigate and correct inaccurate information on my credit report, which has severely impacted my ability to obtain credit. 

1. XXXX Continues to Verify Inaccurate Information Despite Other Bureaus Removing It I have disputed multiple inaccurate items on my XXXX credit report, including accounts and inquiries that do not belong to me. 

The other credit bureaus ( XXXX XXXX XXXX ) have removed these same disputed items after reviewing my case, yet XXXX continues to claim the information is " verified. '' This has resulted in numerous denials of credit, including loans and financial opportunities, despite my clean reports with the other bureaus. 



XXXX. XXXX Ignores My Disputes and Certified Mail Requests I have disputed these inaccuracies multiple times, both online and by mailing certified dispute letters, as required under the Fair Credit Reporting Act ( FCRA ). 

By law, XXXX is required to respond within 30 days to a dispute and conduct a proper reinvestigation. However, XXXX failed to meet this legal deadline multiple times. 

Some of my disputes were outright ignored, violating my legal rights under FCRA. 



XXXX. XXXX Works with XXXX and Early Warning Systems to Keep Denying Me Credit Every time I apply for credit, XXXX ( a subsidiary of XXXX ) blocks my approvals and XXXX refuses to correct this reporting issue. 

My loans and credit applications have been denied because of XXXX and XXXX 's inaccurate reporting, despite my clean reports with other bureaus. 



XXXX. I Am a Victim of Identity Theft Experians Negligence Has Ruined My Financial Life I have been a victim of identity theft, and the fraudulent accounts and inquiries I have disputed should not be on my credit report. 

Instead of following proper procedures to investigate my disputes, XXXX refuses to correct the fraudulent information, which prevents me from obtaining credit, loans, and financial security. 

Their inaction has completely ruined my ability to move forward financially, despite my rights under the Fair Credit Reporting Act ( FCRA ). 




XXXX Is Violating My Rights Action Needs to Be Taken Experians refusal to properly investigate my disputes and remove inaccurate information is a clear violation of the Fair Credit Reporting Act ( FCRA ). Given that the CFPB has already sued XXXX for failing to reinvestigate disputes properly, I am demanding the following : 1. Immediate removal of all inaccurate items that have already been removed by the other credit bureaus. 


XXXX. A full and proper reinvestigation into the disputed accounts, inquiries, and information that XXXX continues to falsely " verify. '' XXXX. Compensation for financial harm, as XXXX failure to follow the law has resulted in loan denials and financial hardship. 


XXXX. A regulatory investigation into XXXX relationship with XXXX and Early Warning Systems, as their continued denials seem designed to prevent me from obtaining credit unfairly. 



I urge the CFPB to take immediate action and hold XXXX accountable for violating my rights under the Fair Credit Reporting Act ( FCRA ). Their failure to reinvestigate my disputes is illegal, and their negligence is actively harming consumers. 


On My credit reports it shows the same items removed by other bureaus but not by XXXX. 

Certified mail receipts and dispute letters proving XXXX failed to respond within the legal timeframe. 

Denial letters from lenders citing XXXX inaccurate information as the reason for rejection. I also have my Identity theft report documentation. 



-- - Conclusion : XXXX negligence has blocked me from obtaining credit and financial stability, and I am demanding immediate corrective action. The CFPB needs to investigate and enforce penalties against XXXX for their ongoing violations. I expect a full resolution and compliance with the law.

Company response to consumer: Closed with explanation