Consumer complaint received 2025-12-19 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:
RE : FORMAL DISPUTE, DEMAND FOR REINVESTIGATION, REBUTTAL, AND DELETION Account Furnishers : XXXX XXXX, and Unidentified Furnisher ( Pending Dispute ) Dispute Case ID : XXXX, and recent incomplete dispute dated XX/XX/year> To Whom It May Concern : I am writing to challenge your recent findings concerning the information in my consumer file. This correspondence addresses two separate issues : 1 ) the adverse results of Reinvestigation Case ID XXXX, and 2 ) the denial of my dispute received on XX/XX/year> for lack of information. 
This letter constitutes a new, legally compliant dispute and a demand for an independent, reasonable reinvestigationunder the Fair Credit Reporting Act ( FCRA ). 

I. Challenge to Completed Reinvestigation ( XXXX XXXX - XXXX ID XXXX ) I formally disagree with your finding that the information provided by XXXX XXXX is " accurate and complete ''. I assert this finding is the result of an insufficient investigation. 
Statutory Violation : Under 15 U.S.C. 1681e ( b ), Early Warning has an independent duty to follow reasonable procedures to assure maximum possible accuracy of the reported information. Your reliance solely on the Furnishers ( XXXX XXXX ) affirmation, without providing me with documentation or specific verification steps, does not meet the standard of a reasonable reinvestigation required by 15 U.S.C. 1681i ( a ).

Demand for New Investigator : Due to the adverse and, I believe, unsubstantiated outcome of the previous review, I request that a Supervisor or a newly assigned Compliance Officer conduct a full, independent review of the XXXX XXXX file to ensure impartiality. 
Demand for Deletion : If you can not verify the accuracy of the disputed item with concrete, documented evidence within 30 days, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) mandates that the item be promptly deleted from my file. 
II. Demand for Processing ( Incomplete Dispute - Received XX/XX/year> ) In response to your letter stating my recent dispute " lacks sufficient information '' and requires the " Specific record you believe to be inaccurate '', I have provided the necessary documentation. 
New Information : The required information, detailing the specific record ( s ) I dispute and new supporting proof, is now attached to this letter ( see Enclosure [ A ] ). I demand that this dispute be processed immediately, starting the 30-day statutory clock for reinvestigation. 
III. Demand for Method of Verification ( MOV ) If you claim the XXXX XXXX information or the new disputed item is verified, you are statutorily required to provide me with a description of the procedure used to determine the accuracy and completeness of the information, pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). This description must include : The identity ( name and title ) of the specific individual at XXXX XXXX who physically reviewed the account documents. 
Copies of the specific account-opening documents or investigation logs reviewed during the verification process. 
IV. Formal Rebuttal Statement ( 15 U.S.C. 1681i ( b ) ) As permitted by your policy and 15 U.S.C. 1681i ( b ), I hereby demand that the following brief statement be appended to my consumer report file and provided to any subsequent user of the report : " Consumer Rebuttal : I formally dispute the accuracy and validity of the information reported by XXXX XXXX and other Furnishers listed in this dispute. Early Warning Services has failed to conduct a reasonable and independent investigation and is relying solely on the Furnishers unverified word. These items are inaccurate and are actively being disputed as violations of my rights under the Fair Credit Reporting Act. '' Please be advised that failure to conduct a reasonable reinvestigation and comply with the mandatory requirements of the FCRA may result in legal action, including filing a complaint with the CFPB. 
Sincerely, ( XXXX XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation