Consumer complaint received 2024-09-03 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: AZ

Complaint narrative:
I am writing to formally request the immediate removal of negative account reported on my credit file that are injurious to my creditworthiness. This alleged account, " XXXX XXXX XXXX  '' have been reported in violation of multiple federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act. 

In accordance with the Fair Credit Reporting Act, Early Warning Signs has violated my federally protected consumer right to privacy and confidentiality under the 15 USC 1681. Early Warning Signs has violated my rights pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Based on 15 USC Code Section 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt. Under 15 US Code 1681c ( b ) and 15 US Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Pursuant to 15 USC 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish accounts without my written instructions Legal Violations : 1. Violation of FCRA ( 15 U.S.C. 1681c-2 ) : Under this statute, a consumer reporting agency is required to block the reporting of any information resulting from alleged identity theft within four business days of receipt of such notification. This obligation has not been met concerning the disputed accounts. 2. Violation of Privacy Rights ( 15 U.S.C. 1681 ) : These accounts have breached my federally protected right to privacy and confidentiality. Specifically, 15 U.S.C. 1681, Section 602 ( a ), guarantees my right to privacy, which has been infringed upon by the continued reporting of this account without my consent. 3. Unauthorized Disclosure ( 15 U.S.C. 1681b ) : According to 15 U.S.C. 1681b, a consumer reporting agency can not furnish accounts without my explicit written consent.

My permission has not been granted, making this reporting unauthorized. Demands : Removal of Accounts : I demand the immediate deletion of the account listed in my previous communications from my credit file.

Blocking of Transactions : Per 15 U.S.C. 1681c-2, you are required to block these transactions from being reported within four days from the receipt of this notice. Additionally, under the XXXX XXXX : No Disclosure of Information : You do not have my permission to share any nonpublic personal information with nonaffiliated third parties or affiliates. 
Opt-Out of Marketing : Please remove my name from all marketing lists and databases. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of the notice. 

Please address these issues promptly, as failure to comply will result in further legal action to enforce my rights under the applicable federal laws. I expect a response confirming the removal of these items within the required time frame.

Company response to consumer: Closed with explanation