Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
I am disputing the reporting and handling of multiple accounts by XXXX  XXXX XXXX, submitted to both XXXX and Early Warning Services ( EWS ). These accounts were inaccurately reported, and no verifiable evidence has been provided to substantiate the claims. 

XXXX : Account Ending in XXXX : Closure Date : XX/XX/XXXX Original Charge-Off Amount : {$380.00} Reported Issue : Account abuse Actions Taken by Me : I submitted a dispute requesting detailed evidence from XXXX XXXX XXXX and XXXX to validate the claims of account abuse. Bank XXXX XXXX provided a signature card but did not furnish any transaction records or evidence supporting the abuse allegation. 
Despite the lack of evidence, XXXX verified this account as accurate based solely on the signature card. 
Account Ending in XXXX : Closure Date : XX/XX/XXXX Original Charge-Off Amount : {$370.00} Reported Issue : Suspected fraud activity Actions Taken by Me : This account was initially removed from my XXXX report after a dispute but was later reinserted. 
XXXX failed to comply with the Fair Credit Reporting Act ( FCRA ), as it did not provide clear reinsertion notification or certified evidence validating the claim. 
Early Warning Services ( EWS ) : XXXX  XXXX XXXX Accounts : Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Reported Issues : Fraudulent activity and account abuse were alleged without proper evidence or authorization. 
Actions Taken by Me : I submitted disputes to EWS regarding these accounts and requested all documentation to validate the claims, including transaction details, evidence of fraud, and wet-signature agreements. 
No evidence beyond vague allegations was provided by XXXX  XXXX XXXX, nor was there transparency in the verification process. 
XXXX XXXX XXXX Accounts : Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Reported Issues : Fraudulent activity was alleged, but no evidence was furnished to substantiate the claims. 
Actions Taken by Me : I requested detailed records from EWS and XXXX  XXXX XXXX to confirm the validity of these allegations. No supporting documentation has been provided. 
XXXX Accounts : Routing # XXXX Account # XXXX Routing # XXXX Account # XXXX Reported Issues : Fraudulent activity was reported, yet no verifiable evidence or authorization exists for these claims. 
Actions Taken by Me : I requested documentation from EWS and XXXX verifying the allegations of fraud or abuse, including transaction details and signed agreements. No sufficient evidence has been provided. 
Actions Taken by XXXX and EWS : Both agencies failed to comply with FCRA requirements to ensure accurate and verifiable reporting. 
XXXX allowed the reinsertion of disputed information without providing proper notice or documentation. 
EWS continues to report unverifiable accounts without substantiating the claims, despite multiple disputes

Company response to consumer: Closed with explanation