Consumer complaint received 2025-12-24 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:
FORMAL NOTICE OF APPEAL AND DEMAND FOR RE-INVESTIGATION DATE : XX/XX/year> TO : Early Warning Services , LLC, Attn : Consumer Services ADDRESS : XXXX XXXX XXXX XXXX, XXXX, Arizona XXXX FROM : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX, XXXX, Pennsylvania XXXX SSN : XXXX CONSUMER ID : XXXX RE : APPEAL OF DISPUTE RESULTS AND DEMAND FOR NEW INVESTIGATOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) | Dispute Reference : XXXX XXXX XXXX  | Dispute Reference : XXXX To Early Warning Consumer Services, This letter is a formal response to your correspondence regarding my CFPB complaint received on XX/XX/year>. I am formally appealing your decision to cease investigation on the accounts listed above. 


I. DEMAND FOR NEW INVESTIGATOR & RE-INVESTIGATION I am exercising my rights under 15 U.S.C. 1681i. You have indicated that my previous disputes on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX  did not offer " new '' information. However, the " information '' you are currently reporting is a legal nullity as it is the result of criminal identity theft. 

I demand that a new, senior investigator be assigned to this case to conduct a manual review. A " reasonable re-investigation '' requires more than just checking with the reporting bank ; it requires verifying the physical application and authorization documents. Since you admit you do not maintain these documents, and I have declared them fraudulent, you are currently reporting unverified data in violation of federal law. 

XXXX. DECLARATION OF NON-AUTHENTICITY & MANDATORY DELETION Under the Fair Credit Reporting Act ( FCRA ), I hereby declare : Strict Liability for Accuracy : The records from XXXX XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) are 100 % inaccurate and fraudulent. 



Affidavit of Fraud : I did not open these accounts, did not benefit from them, and do not recognize them. 

Failure of Previous Re-investigation : Your previous attempts to verify have failed to produce original source documentation. Under 15 U.S.C. 1681i ( a ) ( 5 ), if information can not be verified, it must be promptly deleted. 

XXXX. FORMAL REBUTTAL STATEMENT ( 15 U.S.C. 1681i ( b ) ) As provided by the FCRA, I am filing this statement to be added to my file disclosure : " I, XXXX XXXX XXXX, am a victim of identity theft. I officially dispute the records reported by XXXX XXXX XXXX XXXX and XXXX XXXX. These accounts were opened fraudulently without my consent or knowledge. I have repeatedly contested these items, and I maintain that they are 100 % inaccurate and must be removed from my consumer report immediately. '' IV. FINAL NOTICE OF LEGAL INTENT I have already placed fraud alerts with XXXX, XXXX, and XXXX. I expect these fraudulent records to be removed within 30 days. Failure to delete these unverified, fraudulent records will be considered a willful violation of the FCRA ( 15 U.S.C. 1681n ), and I will pursue all available legal remedies, including statutory damages and attorney fees. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation