Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XX/XX/XXXX SSN : XXXX Consumer ID : XXXX Date : XX/XX/XXXX Early Warning Services , LLC XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : Formal Demand for Permanent Removal of Fraudulent and Inaccurate Accounts & Inquiries Full Statutory Compliance Required Immediate Litigation Notice To Whom It May Concern : I am formally disputing fraudulent and inaccurate accounts and inquiries appearing in my Early Warning file disclosure dated XX/XX/XXXX. The only valid accounts I own are : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX ( Opened XX/XX/XXXX ) XXXX XXXX XXXX  Account # XXXX ( Opened XX/XX/XXXX ) All other accounts and inquiries listed below are not mine. They must be deleted immediately pursuant to FCRA 605B, 609 ( a ), 611, 623 ( a ) ( 1 ), and 623 ( b ), and the Consumer Financial Protection Bureaus Regulation V ( 12 C.F.R. 1022 ). 
DISPUTED ACCOUNTS ( Fraudulent / Inaccurate ) XXXX. XXXX XXXX XXXX XXXX Account XXXX XXXX Incident Date XX/XX/XXXX & XX/XX/XXXX Fund Transfer Fraud Not mine. 
XXXX XXXX XXXX XXXXXXXX Illinois Account # XXXX Opened XX/XX/XXXX, Closed XX/XX/XXXX Not mine. 
XXXX XXXX XXXX XXXXXXXX Illinois Account # XXXX Opened XX/XX/XXXX, Closed XX/XX/XXXX Not mine. 
XXXX XXXX XXXXXXXX XXXX Account # XXXX Opened XX/XX/XXXX, Closed XX/XX/XXXX Not mine. 
XXXX. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Not mine. 
XXXX. XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Not mine. 
XXXX. XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX, Closed XX/XX/XXXX Not mine. 
XXXX. XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX, Closed XX/XX/XXXX Not mine. 
DISPUTED INQUIRIES ( Fraudulent / Inaccurate ) XXXX. XX/XX/XXXX XXXX XXXX  on behalf of XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX  on behalf of XXXX XXXX XXXX XXXX 
XXXX. XX/XX/XXXX XXXX XXXX  XXXX. XX/XX/XXXX XXXX XXXX  XXXX. XX/XX/XXXX XXXX  XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX  XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX FRAUDULENT INFORMATION BLOCK REQUEST I am making a formal demand for the permanent deletion of all historical, removed, and purged entries from my Early Warning Services consumer file including any and all internal archival or placeholder records that indicate prior activity. 
Upon review of my most recent consumer disclosure, I have identified multiple accounts labeled with either consumer removed date or purged. These designations indicate that the data is no longer being furnished to member financial institutions ; however, the residual placeholders remain in my file. 
Retaining these trace records serves no permissible purpose under FCRA 604, as they are not being used for current decisioning and have been determined irrelevant or invalid for reporting purposes. 
Accordingly, I demand that Early Warning Services : 1. Permanently erase all such records from every database, archive, and internal recordkeeping system not just suppress them from lender view.

2. Remove all purged or consumer removed date lines from my consumer disclosure so that no historical reference to deleted records remains.

3. Provide written confirmation within 30 days that the above deletions have been completed, along with a fresh copy of my updated disclosure showing full removal.

IMMEDIATE LITIGATION NOTICE If Early Warning fails to remove the above fraudulent and inaccurate information within the statutory time limits, I will consider this willful noncompliance with the FCRA and related laws. This letter serves as notice of my intent to file a lawsuit in state or federal court without further warning.

Under FCRA 616 & 617, I will seek : Statutory damages of up to {$1000.00} per violation, Actual damages for credit denials and financial harm, Punitive damages for willful misconduct, XXXX fees and costs. 
Additionally, I will file complaints with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Illinois Attorney General This is your final opportunity to correct the matter before litigation.

REQUIRED ACTION 1. Permanently delete all listed fraudulent accounts and inquiries.

2. Provide a written summary of your investigation and copies of all documents obtained.

3. Send an updated file disclosure reflecting the deletions. 
Enclosures : Government-issued photo ID Proof of current address Copy of XX/XX/XXXX Early Warning File Disclosure FTC Fraud Report

Company response to consumer: Closed with explanation