Consumer complaint received 2025-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: KY

Complaint narrative:
Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX  XXXX XXXX KY XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report which is fraudulent. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Items listed above, have violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( AN ( 1 ) 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. 
I have NEVER opened or used the following account numbers, please remove all information below : Contributor : XXXX  XXXX XXXX Contribution Ref # : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Account XXXX : XXXX Account Type : Primary signer Paid/UnPaid/Settled : Unpaid Contribution Reason : Checking Account Fraud Bank Routing # : XXXX Account # : XXXX Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX FLORIDA Bank Routing XXXX XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Closed For Cause-Purged Previous Account Status : Closed For Cause Date of Last Status Name : XXXX XXXX, XXXX, XXXX  Phone : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Bank Name : XXXX NEW YORK Bank Routing # : XXXX Account XXXX XXXX XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Closed Previous Account Status : Pending Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX XXXX XXXX : XX/XX/XXXX Email Addresses : XXXX Bank Name : XXXX NEW YORK Bank Routing # : XXXX Account # XXXX XXXX XXXX Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Closed Previous Account Status : Pending Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX Date XXXX XXXX XXXX XX/XX/XXXX Email Addresses : XXXX Bank Name : XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date XXXX XX/XX/XXXX XXXX Date : XX/XX/XXXX Consumer Removed Date : XXXX XX/XX/XXXX Current Account Status : Closed-Purged Previous Account Status : Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX, XXXX, XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX ID XXXX XXXX XXXX ID XXXX : XXXX ID XXXX : FL Email Addresses : XXXX Bank Name : XXXX XXXX XXXX Bank  Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date XXXX XX/XX/XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX Current Account Status : Closed-Purged Previous Account Status : Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX, XXXX, XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Type : XXXX XXXX XXXX : XXXX Bank Name : XXXX XXXX XXXX XXXX  Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date XXXX XX/XX/XXXX XXXX Account Status XXXX Closed-Purged Previous Account Status : Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX, XXXX, XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX ID # XXXX XXXX ID Type : XXXX ID XXXX : FL Bank Name XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status XXXX Closed-Purged Previous Account Status : Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX, XXXX, XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX ID # : XXXX ID Fraudulent Inquiries below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX & XXXX XXXX XXXX XXXX XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation