Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Final Notice  Unauthorized Reporting and Illegal Collection of My Personal Information Without Consent\n\nTo Whom It May Concern:\n\nThis letter serves as a FINAL DEMAND to Early Warning Services, LLC (EWS), a specialty consumer reporting agency, regarding your unauthorized collection, sale, use, and reporting of my personal and financial informationall without my prior knowledge, consent, or approval. Your actions are in direct violation of multiple federal consumer protection laws and constitute an unlawful invasion of my privacy.\n\nI never authorized you to collect, purchase, share, report, or distribute any of my personal or financial information. Your conduct violates the following federal laws:\n\n\n\nViolations Committed:\n\t1.\tFair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq.\n\t\t 1681b  You are only permitted to furnish consumer reports under certain permissible purposes, none of which apply here as I did not apply for credit or authorize your access.\n\t\t 1681e(a)  You must ensure procedures to prevent unauthorized access and use of consumer information.\n\t\t 1681c  Prohibits obsolete information reporting.\n\t\t 1681g &  1681h  Failure to properly disclose and verify information violates my right to know whats in my file.\n\t2.\tGramm-Leach-Bliley Act (GLBA), 15 U.S.C.  6801-6827\n\t\t 6801(a)  Requires financial institutions to protect nonpublic personal information.\n\t\t 6802  You are prohibited from disclosing personal information to third parties without my consent.\n\t3.\tFederal Trade Commission Act (15 U.S.C.  4158)\n\t\tMisrepresentation or failure to disclose the use and sharing of my personal information constitutes unfair and deceptive practices, actionable by the FTC.\n\t4.\tRight to Privacy\n\t\tYou have violated my constitutional right to privacy and engaged in unauthorized surveillance or data trafficking, which I neither invited nor permitted.\n\n\n\nDEMAND FOR ACTION:\n\nYou are hereby formally ordered to:\n\t1.\tRemove ALL data and delete every record you have in your system, databases, or any third-party sharing arrangements tied to my name, SSN, or any identifying data, within 4 business days of receipt of this notice.\n\t2.\tCease and desist all reporting on me, now and in the future.\n\t3.\tDo not instruct or direct me to visit your website to manage your violations. You acquired my information without my permission  it is your duty to correct and expunge it, not mine.\n\nFailure to comply will result in:\n\t\tImmediate filing of complaints with the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), State Attorney General, and other regulatory agencies.\n\t\tThe initiation of a civil suit seeking statutory, actual, and punitive damages for each violation of the FCRA, GLBA, and other applicable federal laws.\n\nThis is your final warning. I will not be contacting you again, and any further reporting or unauthorized use of my data will be deemed willful noncompliance, subject to maximum penalties under law.\n\nSincerely,\nRorica Stanton'

Company response to consumer: Closed with explanation