Consumer complaint received 2024-04-04 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: CA

Complaint narrative:
As a Federally protected consumer, per 12 CFR 1016.7 I am now opting out of any and all authorization whether it be written, non-written, verbal, or non-verbal, I the consumer may have given you. Additionally I want compensation for violating me and my privacy.

15 USC 6801 states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Furnisher of information to credit agencies is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. 

Please note furnishing my report with any of this information without my consent per 12 CFR 1022.3 could be considered identity theft.

Per the Privacy Act of 1974 ( 5 U.S. Code 552a ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, consumer reports are included under this. It also stars : No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31 : ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information. My consent was required.

12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of the following agencies : XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, EarlyWarning Services, none of which had or have my consent. 

Pursuant to 15 USC 1681n I claim my remittance to be compensated for the damages Ive endured of {$1000.00} for every violation done to me. This fine is applicable to every occurrence of reporting of any single item without my permission with the inception of any/all accounts. I received no notice and no consent was given. 

Without Prejudice, XXXX XXXX XXXX of XXXX, XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation