Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
XX/XX/year> Early Warning XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Account Number : XXXX Dear Early Warning Services Dispute Department, I am writing to formally dispute the information provided by XXXX  XXXX XXXX and currently being reported by Early Warning Services under my name. As per the Fair Credit Reporting Act ( FCRA ), you are required to ensure the information you report is accurate, complete, and verifiable. However, I have received communication from Early Warning indicating that you do not have access to the necessary documentation related to the account from XXXX XXXX. 

FCRA Violations by XXXX XXXX and Early Warning Services FCRA Violations by XXXX  XXXX : FCRA Section 611 mandates that when a consumer disputes the accuracy of information, the consumer reporting agency must investigate the claim, verify the accuracy, and provide the consumer with documentation supporting the accuracy of the information. 
FCRA Section 609 gives consumers the right to request all information contained in their credit file. XXXX XXXX has failed to provide the necessary documentation or verification to support the validity of this account. 

FCRA Violations by Early Warning Services : Early Warnings inability to verify the information on this account also constitutes a violation of the FCRA. Specifically : FCRA Section 607 ( b ) requires consumer reporting agencies to adopt reasonable procedures to ensure maximum possible accuracy in the information they report. By maintaining unverified information on my consumer report, Early Warning has failed to adhere to this standard. 
Furthermore, FCRA Section 611 ( a ) ( 5 ) ( A ) requires consumer reporting agencies to delete any information that can not be verified after a dispute. Since Early Warning has admitted that it can not verify this XXXX XXXX XXXX account, it is in violation of this section by failing to remove the account. 

Uniform Commercial Code ( UCC ) Violations In addition to the FCRA violations, under UCC Section 9-210, I have the right to request an accounting and copies of any records related to the disputed account. Since neither Early Warning nor XXXX XXXX has provided these records, the account remains unverified and should be removed immediately. 

Requested Action Due to these violations of both the FCRA and UCC, I demand that Early Warning Services immediately remove the XXXX  XXXX XXXX account from my consumer file. I expect a written confirmation of this deletion within the 30 days allowed under FCRA guidelines. 

If Early Warning Services fails to resolve this dispute as required by law, I will not hesitate to escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. I am fully prepared to take legal action to ensure my rights are protected. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation