Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
This is your FINAL NOTICE. You have continuously failed to comply with your obligations under the Fair Credit Reporting Act ( FCRA ), and I am now prepared to escalate this matter further. Despite multiple submissions of all required documentationincluding a notarized affidavit, FTC Identity Theft Report, and account dispute detailssince my initial dispute in XX/XX/XXXX, you continue to falsely claim my dispute is frivolous while requesting documents I have already provided. This is a blatant attempt to obstruct the dispute resolution process. 

Your actions constitute clear willful and negligent violations of the FCRA, including but not limited to : Failure to Conduct a Reasonable Investigation ( 15 USC 1681i ( a ) ( 1 ) ) Inaccurate Address Records : My Early Warning file lists multiple addresses undeXXXX XXXX XXXX  XXXX, including XXXX XXXX XXXX XXXX XXXX  XXXX, which has NEVER been associated with me. Reporting such unverifiable and inaccurate information violates your obligations under the FCRA and Gramm-Leach-Bliley Act ( GLBA ).

Multiple, Unverified Phone Numbers : The report lists phone numbers that do not belong to me. Early Warning has failed to ensure that my personally identifiable information is accurately maintained. 

Unauthorized Disclosure of My Non-Public Personal Information ( NPPI ) : You are required by law to ensure my NPPI is only shared with authorized entities with a permissible purpose. Any failures to protect my information from fraudulent activity constitute GLBA violations. 
You are legally required to conduct a reasonable reinvestigation when a consumer disputes information. Your repeated denials, despite having all necessary documents, show clear noncompliance. 
Return Transactions ACH XX/XX/XXXX XXXX {$45.00} Post No Debits ACH XX/XX/XXXX XXXX {$14.00} Post No Debits ACH XX/XX/XXXX XXXX {$24.00} Post No Debits ACH XX/XX/XXXX XXXX {$28.00} Post No Debits Transactions Tran Type Date Account Number Check Number Amount Information Reported By : XXXX XX/XX/XXXX XXXX {$45.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$14.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$24.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$28.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$220.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX {$290.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX {$1.00} XXXX Bank XXXX XX/XX/XXXX XXXX {$44.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$91.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$61.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) ) Despite multiple requests, you have failed to provide the name, date, and details of verification for the reinvestigation of disputed accounts. 

Unlawful Reinsertion of Disputed Information ( 15 USC 1681i ( a ) ( 5 ) ( B ) ) You continue to keep or reinsert inaccurate and fraudulent information without legally required notification, justification, or supporting evidence.

FINAL DEMANDS Immediate Block and Removal : Remove all fraudulent and disputed accounts from my consumer report permanently as required by the FCRA.

Method of Verification : Provide, under penalty of perjury, the exact method of verification used for the disputed items, including the name of the individual, date, time, and physical documentation and contracts relied upon. 

Cease Repeated Delay Tactics : Acknowledge receipt of the FTC Identity Theft Report, notarized affidavit, and dispute details provided in XX/XX/XXXX and stop requesting the same documents. 

Written Justification : Provide a detailed explanation for why my dispute has been deemed frivolous despite all legally required documentation being submitted. 

You have 10 days from the date of this letter to comply. If you fail to do so, I will proceed with immediate legal action in federal court. I will be seeking : Statutory damages of up to {$1000.00} per violation Actual damages for financial and emotional harm Attorneys fees and court costs FINAL NOTICE & INTENT TO FILE SUIT AT THE FEDERAL VENUE THIS SERVES AS YOUR FINAL NOTICE AND NOTIFIES YOU OF THE INTENT TO FILE SUIT AT THE FEDERAL VENUE : If you do not timely fulfill all conditions of acceptance, this offer will be deemed rejected, and I will file a lawsuit at the Federal Venue against your insured to recover the total amount of losses caused by your insured instead of the limited amount afforded by your coverage and other coverage that may be available.

Please advise of any special conditions or factors that will impact the amount of the settlement reached in this claim. There are no MMSEA implications associated with this claim. I agree to redeem the liens associated with this claim as part of any settlement. 

DEMAND PURSUANT TO XXXX. XXXX This demand is additionally made pursuant to XXXX. XXXX. However, in order to harmonize the terms of XXXX. XXXX with the terms of XXXX. XXXX, the time period for you to pay the amount demanded shall be the longer period contained in O.C.G.A. XXXX as set forth in this demand. If you fail to accept this demand and timely pay the amount demanded, this demand is automatically withdrawn, and I will seek interest against your insured on the amount demanded.

Company response to consumer: Closed with explanation