Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: WA

Complaint narrative:
Subject : Formal Dispute of Inaccurate and Misleading Information in Consumer File Request for Immediate Investigation and Correction/Deletion Under FCRA Dear Early Warning Services : I am writing to dispute multiple inaccurate, incomplete, and/or unverifiable entries listed in my consumer report dated XX/XX/XXXX, prepared by Early Warning Services under XXXX ID XXXX. 

This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the XXXX Fair Credit Reporting Act ( XXXX XXXX ). Please treat this letter as a formal request for reinvestigation and correction or deletion of the disputed entries described below. I have enclosed a copy of my government-issued ID and utility bill as proof of identity. 

XXXX. XXXX XXXX XXXX of {$490.00} ( Account Abuse Flag ) Contributor : XXXX XXXX XXXX XXXX ) Routing # : XXXX Account # : XXXX Incident Date : XX/XX/XXXX Contribution Ref # : XXXX Status Reported : Unpaid Contribution Reason : Account Abuse Dispute Reason : This account was closed under the classification " Account Abuse '', which has caused severe reputational damage and denied me access to basic financial services. I dispute the accuracy of this entry on multiple grounds : Unverifiable Status : I have no clear documentation or notification from XXXX XXXX at the time of closure indicating an unpaid balance of {$490.00}. Furthermore, this classification is vague, and Early Warnings own definition acknowledges it may result from no investigation or inability to conclude fraud ( see page 13 of the report ). 

Inaccurate Attribution : I strongly assert that this event was the result of fraudulent activity beyond my control. I have previously reported suspicious activity involving the unauthorized use of my bank details. Under FCRA 605B, I request this entry be blocked or deleted as it originated from identity theft or third-party fraud. 

Incomplete Reporting : The entry fails to mention any resolution efforts, such as possible payments or communication attempts I made to XXXX XXXX. Under FCRA 611 ( a ) and 15 U.S.C. 1681i, I request a full reinvestigation into the facts surrounding this loss. 

Time-Barred Removal Notification : This incident occurred in XX/XX/XXXX. Under FCRA 605 ( a ) and XXXX  XXXX, no adverse information may remain on file beyond 7 years. Please confirm this item will be purged no later than XX/XX/XXXX. 

Requested Action : Delete this item from my file immediately unless XXXX XXXX can fully verify the amount owed, the account holder of record, and that the designation of Account Abuse was appropriately applied and notified to me in writing. 

XXXX. XXXX Transactions Insufficient Funds ( ACH & Check Returns ) a. BXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Routing # : XXXX Account # : XXXX Dates : XXXX XXXX Amounts : Multiple repeated transactions of {$49.00} Dispute Reason : These appear to be duplicate entries of a single transaction repeatedly attempted by a merchant. Reporting each retry as a separate XXXX  event is materially misleading and exaggerates my financial risk. Under FCRA 1681e ( b ), EWS is required to ensure maximum possible accuracy of the information. Reporting retries as separate NSF events violates this obligation. 

Requested Action : Delete duplicate entries and retain only a single instance ( if any ) of this NSF return. If these were the result of identity theft, I request deletion in full under FCRA 605B. 

b. XXXX XXXX Bank XXXX NSF XXXX Account Ending : XXXX Dates : XX/XX/XXXX XX/XX/XXXX Amounts : {$2700.00}, {$2500.00}, multiple others Dispute Reason : Several high-dollar ACH returns listed ( e.g. {$2700.00} on XX/XX/XXXX ) appear unauthorized and possibly fraudulent. I did not initiate these transactions, and XXXX XXXX failure to flag these earlier may have enabled repeated attempts. These were returned unpaid, meaning no financial loss occurred, yet they remain on file as though I defaulted. 

Requested Action : Remove these XXXX entries from my report, or provide proof of my authorization and liability. If evidence shows these were initiated by third parties without my consent, delete per FCRA 605B. 

XXXX XXXX XXXX XXXX XXXX  Returns Account Ending : XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, etc. 

Amounts : Ranging from {$110.00} to {$150.00} Dispute Reason : A number of these entries may be erroneous or over-reported. I have attached bank statements showing sufficient balances on several of the dates in question ( see Exhibit A ). Reporting these as XXXX returns is therefore inaccurate. 

Requested Action : Delete all entries not supported by clear evidence of insufficient funds. Any returns resulting from system errors, merchant overcharges, or double billing should be removed. 

XXXX. XXXX Account Marked Closed For Cause Purged Routing # : XXXX Account # : XXXX Closure Date : XX/XX/XXXX Status : Closed for Cause / Purged Dispute Reason : This designation is based on the same facts as the above charge-off. It further misrepresents the nature of the account closure. I was never notified in writing that this account would be closed for cause, and no criminal or civil judgment exists against me in relation to this account. 

Requested Action : Remove or reclassify this status to Closed or Closed-Purged to avoid misrepresenting the reason. I did not commit misconduct, and the current label creates an undue hardship.

4. Legal Basis and Summary of Rights I am exercising my rights under the following provisions : FCRA 611 ( 15 U.S.C. 1681i ) : Right to dispute any inaccurate or incomplete information and request a timely reinvestigation. FCRA 605 ( a ) : Adverse information must be deleted after 7 years. FCRA 605B : Right to block information re
sulting from identity theft.

FCRA 623 : Furnishers must investigate disputed information and report results. 

XXXX XXXX ( XXXX  XXXX XXXX ) : Reinforces federal XXXX time limit and supports additional state rights. 

XXXX v. Early Warning Services ( XXXXXXXX XXXX XXXXXXXX ) : Clarifies maximum possible accuracy standard for account abuse or fraud labels.

Company response to consumer: Closed with explanation