Consumer complaint received 2025-11-25 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:
FORMAL LEGAL ESCALATION, DEMAND FOR SUPERVISORY REVIEW, AND MANDATORY REINVESTIGATION Date : XX/XX/2025 Sent Via : CERTIFIED MAIL Subject : IMMEDIATE ESCALATION AND REVIEW REQUIRED : UNLAWFUL FRIVOLOUS DETERMINATIONS ON MULTIPLE CASES. VIOLATION OF 15 U.S.C. 1681i. 

To : Early Warning Services , LLC XXXX : Chief Compliance Officer / Legal Department XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX RE : CONSOLIDATED REBUTTAL AGAINST FRIVOLOUS DETERMINATIONS Consumer ID : XXXX Dispute Case XXXX : XXXX, XXXX, and XXXX Reference Rejection Letters : All dated XX/XX/2025 Dear Chief Compliance Officer, This formal communication serves as a statutory notice of non-compliance and an immediate demand for the elevation and reassignment of the above-referenced disputes. I am in receipt of three rejection letters, all dated XX/XX/2025, which summarily dismiss my disputes ( submitted XX/XX/2025 ) as " frivolous '' for allegedly offering " no new or additional information '' from a prior submission dated XX/XX/2025. 

XXXX. Rebuttal of the Unlawful " Frivolous '' Determination I formally and emphatically challenge this pattern of rejection, which is both arbitrary and in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a Consumer Reporting Agency ( CRA ) to conduct a reasonable reinvestigation of disputed information.

Ongoing Violation : The fact that the disputed, inaccurate information persists on my file despite my initial dispute ( XX/XX/2025 ) means the initial investigation was inadequate or incomplete. My current disputes demand correction of the continued, willful reporting of inaccurate information, which is a new and ongoing violation of my rights. 

Legal Precedent : A CRA can not unilaterally deem a dispute " frivolous '' simply because it mirrors a prior one. The burden of proof remains on Early Warning to follow reasonable procedures to ensure maximum possible accuracy of its consumer reports, as required by 15 U.S.C. 1681e ( b ). Your letters fail to provide the specific facts or legal basis for the " frivolous '' conclusion, making the determination itself a procedural violation.

2. Mandatory Supervisory Review and Case Reassignment Given the simultaneous rejection of three separate disputes using identical boilerplate language, I demand that the files associated with Case XXXX XXXX, XXXX, and XXXX be immediately reassigned to a supervisory-level compliance officer or a new, independent investigator who will ensure an impartial, effective, and good-faith review. The integrity of your dispute process is now in question due to this pattern of blanket denials. 

XXXX. Notice of Statutory Requirements and Litigation Intent You are hereby on notice of your obligations. Failure to comply with the following mandates within the statutory timeframe will be considered a willful violation of the FCRA : Reinvestigate : Conduct a reasonable reinvestigation of the disputed information within 30 days of receipt of this letter. 

Correct or Delete : If the furnisher of the information can not verify the accuracy of the entry within that period, you must immediately delete or modify the information so that it is accurate, pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Provide Results : Provide me with a written statement of the results of your reinvestigation.

Be advised that I am prepared to promptly file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and initiate litigation under 15 U.S.C. 1681n and 1681o to seek actual damages, statutory damages, punitive damages, and attorney 's fees resulting from your continued non-compliance. 

I demand written notice of the completion of the reinvestigation and the correction/deletion of the inaccurate information within the legally prescribed timeframe. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation