Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
Subject : FORMAL APPEAL & STATUTORY DEMAND FOR RE-INVESTIGATIONINACCURATE REPORTING TO EARLY WARNING SERVICES ( EWS ) FCRA VIOLATION NOTICE Dear XX/XX/XXXXXXXX and XXXX Department, I am writing to formally appeal the results of the reinvestigation ( XX/XX/XXXXDispute Case ID : XXXX ) concerning the account reported by your institution to XXXX XXXX XXXX ( XX/XX/XXXX). XX/XX/XXXXconcluded the information is " accurate and complete, '' but I maintain that the data furnished by XXXX XX/XX/XXXXis inaccurate, incomplete, and/or unverifiable. 
The information I am disputing is as follows : Detail Value Reporting Agency : Early Warning Services ( XX/XX/XXXX) Reported Institution ( Furnisher ) : XX/XX/XXXX Account Number : XXXXXX/XX/XXXX# : XXXX Required Action : Immediate Deletion of the entire account record. 
Statutory Demand for Re-investigation Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I have a right to dispute inaccurate information. Upon notification of a consumer dispute from XX/XX/XXXX, XXXX XX/XX/XXXX, as the Furnisher, has a legal duty under 15 U.S.C. 1681s-2 ( b ) to : 1. Conduct a reasonable investigation of the disputed information.

2. Review all relevant information provided with this dispute, including my XX/XX/XXXXletter.

3. Report the results of your investigation to XX/XX/XXXX.

4. Modify, delete, or permanently block the reporting of the information if it is found to be incomplete, inaccurate, or can not be verified. 
I demand that you conduct a new, good-faith reinvestigation to address the inaccuracies not resolved by the previous review. Furthermore, I request that you assign this reinvestigation to a new compliance officer or authorized representative not involved in the original reporting or review process to ensure an objective determination. 
Failure to delete this inaccurate information within the required timeframe ( typically 30 calendar days from receipt of this notice ) will be considered a direct violation of the FCRA, leaving me no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue civil litigation under 15 U.S.C. 1681n and 1681o.

I expect written confirmation of the results and the deletion of the inaccurate entry within the statutory period. 
Sincerely, XXXX XXXX Enclosure ( s ) : * Copy of XX/XX/XXXXDispute Result Letter ( Case ID XXXX ) 2. Rebuttal Statement for Early Warning Services ( XX/XX/XXXX) This brief statement should be sent separately to XX/XX/XXXXto be included in your file, ensuring that any future bank reviewing your report knows you dispute the data. 
The Rebuttal Statement ( Ready to Print and Sign ) Subject : Request to Add Consumer Statement to File ( XX/XX/XXXXDispute Case ID XXXX ) pursuant to 15 U.S.C. 1681i ( b ) To Whom It May Concern : I formally disagree with the results of your reinvestigation ( Case ID : XXXX ). Pursuant to my rights under the FCRA, I maintain that the information reported by XXXX XX/XX/XXXXregarding account number XXXX is inaccurate, incomplete, and/or unverifiable. I have formally appealed this finding and requested a new investigation with the furnisher, XXXX XX/XX/XXXX. I request that this statement be added to my file immediately and included in all future consumer reports.

Company response to consumer: Closed with explanation