Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Enclosed is my report where my nonpublic information is displayed associated with third-party reporting ; including inaccurate information such as collection status, report of identity theft which was never verified with me and simply placed on my report, accounts that I don't recognize. Ive never verified with these companies for them to attach the debt to me regardless, it was still posted on ( XXXX, Early Warning Services and XXXX ). This writer never received written notification for the publication of my nonpublic information. This has prohibited me from opening a regular banking account. 


Per the FCRA as a federally protected consumer I am now opting out of any and all authorization for all third-party reporting agency. Per 15 USC 6802 ( b ) ( c ) states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer has given an explanation of how the consumer can exercise that non-disclosure option. Never informed me that I had a right to exercise non-disclosure. 

Privacy act of 1974 prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records.

15 USC 1681- Congressional findings & statement of purpose~ ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumers RIGHT TO PRIVACY.

15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency ofappropriate proof of the identity of the consumer ; a copy of an identity theft report ; the identification of such information by the consumer ; and a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX reported identity theft on behalf of XXXX XXXX XXXX They simply closed my bank account, no questions asked to my person. And then reported to a third party like XXXX XXXX Early Warning Services. 


15 USC 1681b-Permissible purposes of consumer reports by either court order or written notification about person ( company ) for what purpose the information is going to be used and having the right to opt out if information is in accurate or unable to be verified. ( 1 ) order of a court. ( 2 ) in accordance with the written instructions of the consumer to whom it relates for intentions like to use the information in connection with a credit transaction, for employment purposes, use the information in connection with the underwriting of insurance, use the information, as a potential investor, or servicer. To which none of them were my case.

In addition to 15 USC 1681b ( 3 ) ( B ) ( IV ) Conditions on use for adv ... that the consumer may, upon providing proper identification, request a free copy of a report & may dispute with the consumer reporting agency the accuracy or completeness of any information in a report. which I did and never removed it anyway. 

I opt of ( XXXX, Early Warning Services and XXXX XXXX ) I rescind any approval I might have given in the past for reporting my information to any third-party reporting agency. 

12 CFR 1016.7 ( g ) Time to comply with opt out. You must comply with a consumers opt out direction as soon as reasonably practicable after you receive it.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( 1 ) Prohibition-A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S. Code 6805 Enforcement -- this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission.

15 U.S. Code 1681n - Civil liability for willful noncompliance ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

Company response to consumer: Closed with explanation