Consumer complaint received 2025-02-07 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: IL

Complaint narrative:
XXXX Consumer ID : XXXX Subject : Formal Dispute, XXXX for XXXX XXXX XXXX, and Cease-and-Desist Notice To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the following accounts reported on my consumer file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into the accuracy of the disputed information, the method of verification, and a detailed description of the procedures used to verify this information.

Legal Basis for This Dispute Under 15 U.S.C. 1681i ( a ) ( 1 ), consumer reporting agencies are required to conduct a reasonable reinvestigation of any disputed information. Additionally, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to receive all relevant documentation used to substantiate the reporting of these accounts, including proof of ownership and the burden of proof required to validate the debt. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if any information is found to be inaccurate, incomplete, or unverifiable, you are required to promptly delete or modify the information and notify me of the changes. 

If you can not provide the requested documentation and verification within XXXX  days of receipt of this letter, I demand that the disputed items be blocked or removed from my credit file immediately, as required by the FCRA. 

Personal Information Update Name : XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, IL XXXX Please delete the following undeliverable addresses and aliases : * XXXX XXXX XXXX XXXX XXXX, IL XXXX * XXXX XXXX XXXX XXXX, XXXX, IL XXXX Please delete the following employers : * [ Employer Name, if applicable ] Accounts to Be Validated : 1. XXXXXXXX XXXX XXXX Name : XXXX XXXX * Bank Name : XXXX XXXX XXXX XXXX XXXX * Bank Routing # : XXXX * Account # : XXXX * Open Date : XX/XX/XXXX * Close Date : XX/XX/XXXX * Status : Closed-Purged 1. XXXX XXXX XXXX XXXX XXXX  * Bank Routing # : XXXX * Account # : XXXX * Open Date : XX/XX/XXXX * Close Date : XX/XX/XXXX * Status : Savings Closed-Purged 1. XXXX XXXX IL * Bank Routing # : XXXX * Account # : XXXX * Open Date : XX/XX/XXXX * Close Date : XX/XX/XXXX * Status : Closed For Cause-Purged Inquiries to Be Removed : 1. XXXX XXXX. XXXX XXXX XXXX XXXX 3. XXXX BANK 4. XXXX BANK 5. XXXX 6. XXXX XXXX XXXX XXXX ( Duplicate ) 7. XXXX XXXX XXXX  8. XXXX XXXX XXXX 9. XXXX BANK ( XXXX ) 10. XXXX BANK XXXX Requests 1. Method of Verification : Provide the exact method of verification used to validate the accuracy of each disputed account. 
2. Procedural Details : Provide a complete description of the procedures followed during your investigation of this dispute, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

3. Supporting Documentation : Provide copies of all documentation used to validate the accuracy of the accounts and inquiries, including proof that the accounts belong to me. 

Additionally, under 12 CFR 1006.6 ( c ), I am explicitly exercising my right to demand that you cease and desist from any further communication with me unless it is to provide documentation or verify the disputed accounts. Failure to comply with this regulation constitutes a violation of my consumer rights. 

Actions Required If Documentation Can not Be Provided If you can not provide the requested documentation and verification within XXXX  days : 1. Block or Remove the Disputed Accounts : As required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), you must promptly delete or block the disputed items from my credit file.

2. Cease and Desist Reporting : Immediately cease all reporting and communication regarding these accounts.

Legal Notice and Threat of Litigation Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), failure to : * Conduct a reasonable investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ), * Provide the required documentation ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ), or * Remove inaccurate, incomplete, or unverifiable information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) constitutes a violation of federal law.

If you fail to comply with this request, I will pursue legal action for the following : * Statutory Damages : {$1000.00} per violation under 15 U.S.C. 1681n ( a ). 
* Actual Damages : For emotional distress, harm to my credit, and loss of credit opportunities. 
* Punitive Damages : For willful noncompliance with the FCRA. 
* Attorneys Fees and Costs : For legal action required to enforce my rights under the FCRA. 

Additionally, reporting inaccurate or unverifiable information is considered defamation of character, exposing you to further legal liability. 

Expectation of Compliance I expect your written response, including all requested documentation, within XXXX  days of receipt of this letter. Failure to respond or comply with this request will result in immediate legal action to enforce my rights under the FCRA. 

Sincerely, XXXX XXXX XXXX reporting and delete and block accounts immediately

Company response to consumer: Closed with explanation