Consumer complaint received 2025-12-26 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:
NOTICE OF APPEAL & DEMAND FOR XXXX  XXXX XXXX  Date : XX/XX/year> From : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Consumer ID : XXXX To : Early Warning Services Attn : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AZ XXXX RE : FORMAL APPEAL & DEMAND FOR REMOVAL OF UNVERIFIED DATA Dispute Case IDs : XXXX & XXXX Furnisher : XXXX XXXX  ( Account endings : XXXX, XXXX ) To the Compliance Officer : I am formally appealing the reinvestigation results dated XX/XX/year>, which claimed the information regarding the XXXX XXXX accounts is " accurate and complete. '' This letter serves as a formal demand for a full, de novo reinvestigation by a newly assigned investigator under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

1. LEGAL BASIS : ADMISSION OF LACK OF DOCUMENTATION In your " Procedures '' letter for both cases, you explicitly stated : " Early Warning does not have access to account documentation that resides within your Financial Institution. Therefore, we are unable to provide copies of documents that your Financial Institution maintains. '' This statement is a legal admission that Early Warning Services ( XXXX ) is unable to independently verify the accuracy of the data reported by XXXX XXXX. Under 15 U.S.C. 1681i ( a ) ( 1 ), you are required to conduct a reasonable reinvestigation. Simply receiving a digital " verified '' flag from a furnisherwhen you admit you have no access to the actual account contracts or signaturesdoes not meet the legal standard for a reasonable investigation ( see XXXX XXXX XXXX XXXX XXXX ). 

2. DEMAND FOR DELETION ( 15 U.S.C. 1681i ( a ) ( 5 ) ) The law is clear : If an item is found to be inaccurate or can not be verified, the consumer reporting agency must promptly delete that item. Since you have admitted in writing that you do not have the documentation to verify this account, you are reporting unverified hearsay. I demand the immediate removal of both XXXX XXXX  records ( ending in XXXX and XXXX ) from my file. 

3. REBUTTAL STATEMENT ( TO BE PERMANENTLY ATTACHED ) Pursuant to 15 U.S.C. 1681i ( b ), if you refuse to delete these inaccurate items, you are legally mandated to add the following statement to my file : REBUTTAL : " I dispute the XXXX XXXX  accounts ( XXXX ) in their entirety. Early Warning Services has admitted in writing that they possess no account-level documentation to verify the accuracy of this data. Because the agency can not provide physical proof of the debt, this information is unverified and reported in violation of the FCRA. '' 4. REQUEST FOR METHOD OF VERIFICATION ( MOV ) Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I request the following within 15 days : The name and business address of the specific person at XXXX XXXX who claimed this information was " accurate. '' A description of the specific procedures used to verify this, given your admission that you lack access to the records. 

CONCLUSION I have previously provided documentation that you have failed to properly review. I am now demanding a new investigator review these cases. Failure to remove these unverified items will result in an immediate formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and a report to the Pennsylvania Attorney Generals Office. 

Sincerely, /s/ XXXX XXXX Consumer ID : XXXX

Company response to consumer: Closed with explanation