Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Subject : URGENT Cease and Desist & Dispute of Fraudulent Accounts Under FCRA To : Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX To Whom It May Concern : This letter serves as a formal notice to cease and desist the reporting and use of any personal and/or financial data associated with me, XXXX XXXX, in violation of my federally protected consumer rights. This communication is being sent in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant federal consumer privacy laws. 
I am formally disputing and demanding the immediate removal of the following fraudulent accounts reported under my name : XXXX Accounts to Be Removed : XXXX. XXXXXXXX XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX | Close Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # : XXXX Open Date : XX/XX/XXXX | Close Date : XX/XX/XXXX These accounts were fraudulently opened and reported without my knowledge or authorization. They are unauthorizedand must be permanently deleted from all databases, reports, and records under your management.

Legal Basis for This Dispute : You are in violation of the following provisions under Title 15 of the U.S. Code : 15 U.S.C. 1681 ( FCRA ) You have a legal obligation to ensure the accuracy, confidentiality, and privacy of consumer data.

15 U.S.C. 1681c ( a ) ( 5 ) Prohibits inclusion of outdated adverse information beyond 7 years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) Prohibits reporting of information that is known to be inaccurate.

15 U.S.C. 1681e ( b ) Requires reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681b ( a ) ( 2 ) Prohibits release of consumer information without written authorization.

15 U.S.C. 6802 & 6803 Mandates disclosure rules and privacy obligations, including opt-out rights before sharing personal data with nonaffiliated third parties.

Demand for Immediate Action : Under FCRA Sections 609 and 611, you are required to verify and validate any account information upon request. If you are unable to verify the legitimacy of the accounts listed above with documented proof of my written consent, you are legally obligated to delete them from your records within 30 days of receipt of this certified letter. 
Failure to comply with this demand will result in further legal action, including but not limited to filing a complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and potential litigation in small claims court for damages due to negligent handling and privacy violations.

Requested Remedies : 1. Immediate removal of all listed fraudulent accounts. 
XXXX. Written confirmation within 30 days stating that these accounts have been deleted. 
XXXX. Cease and desist all reporting, sharing, or processing of my nonpublic personal information without my express written consent. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation