Consumer complaint received 2025-12-04 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX XXXX Last XXXX digits of XXXX : XXXX Date : XX/XX/XXXX Early Warning Services , LLC XXXX : XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX, AZ XXXX Re : Follow-Up Demand as Victim of Identity Theft Immediate Block and Permanent Deletion of Fraudulent Accounts Within XXXX Hours or No Later Than XXXX Business Days ; Reference Your Acknowledgment Dated XX/XX/XXXX Early Warning Consumer # XXXX Dear Early Warning Services, This letter serves as a formal follow-up to my initial dispute letter dated XX/XX/XXXX, and your acknowledgment letter dated XX/XX/XXXX ( Consumer # XXXX ). Despite your receipt of my FTC Identity Theft Report # XXXX and supporting documentation, you have not yet confirmed the blocking and permanent deletion of the fraudulent accounts on my consumer report. I am reiterating my demand for immediate action under federal law, as these fraudulent items continue to cause me severe harm. 
As a victim of identity theft, I am disputing the following unauthorized and fraudulent accounts on my Early Warning consumer report. These accounts were opened without my knowledge, consent, or authorization using my stolen personal information ( including my name, address, phone number XXXX, and Social Security Number ending in XXXX ). I have no accounts, applications, or relationships with these entities, and these entries are the direct result of criminal fraud. 
The ongoing presence of these accounts is inflicting substantial and irreparable harm, including : Blocking my ability to open new checking or savings accounts, as financial institutions rely on your reports to assess risk. 
Causing denials of essential banking services, loans, and financial opportunities, exacerbating my economic hardship. 
Imposing higher fees, deposit requirements, or restrictions on any limited services I can access due to this false negative history. 
Inflicting emotional distress, anxiety, and significant time loss in resolving this identity theft, which has persisted undetected for years. 
Increasing the risk of further fraud, as these entries lend legitimacy to the thieves ' actions in the eyes of other institutions. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), you are required to block and permanently delete these fraudulent accounts within XXXX business days of receiving my documentation ( i.e., no later than XX/XX/XXXX ). However, given the immediate and escalating harm, I demand compliance within XXXX hours of receipt of this follow-up letter. Your failure to act expeditiously constitutes willful noncompliance, exposing XXXX XXXX XXXX to civil liability, including statutory damages of up to {$1000.00} per violation, actual damages, punitive damages, and attorney fees under FCRA XXXX ( XXXX XXXX. XXXX ). As a specialty consumer reporting agency focused on banking reports, you are fully subject to these FCRA provisions, as confirmed by CFPB guidance and enforcement actions. 
The fraudulent unauthorized accounts that must be blocked and permanently removed are : Fraudulent Checking or Savings Account XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Total Fraudulent Amount : {$520.00} Details : I did not open or authorize this XXXX account. It is a product of identity theft, falsely signaling risky behavior and preventing me from accessing banking services. 
Fraudulent Checking or Savings Account XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Total Fraudulent Amount : {$3300.00} Details : This unauthorized XXXX XXXX account damages my banking profile. I have no relationship with XXXX XXXX, and its retention violates my rights under FCRA. 
Fraudulent Checking or Savings Account XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Total Fraudulent Amount : {$0.00} Details : This Chase account is fraudulent and part of the theft pattern, inaccurately portraying negative history and leading to denials. 
Fraudulent Checking or Savings Account XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : [ Not Specified ; Discovered During Review ] Date Discovered : XX/XX/XXXX Total Fraudulent Amount : {$0.00} Details : Similar to the above, this is another unauthorized Chase entry from stolen identity, necessitating immediate deletion to halt ongoing harm. 

I have enclosed ( or previously provided ) the following documentation as required by FCRA XXXX : FTC Identity Theft Report ( Affidavit ) # XXXX Copy of my Social Security card ( front and back, showing last XXXX digits XXXX ) Note : The FTC Identity Theft Report serves as my official statement and is sufficient proof under FCRA, even without a separate police report. 

Your legal obligations include the following, with detailed explanations and penalties for noncompliance : FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Identity Theft Information : As a consumer reporting agency ( CRA ), you must block reporting of any information identified as resulting from identity theft within 4 business days of receiving proper documentation. This provision mandates swift removal to protect victims. Your delay exposes you to liability under 1681n for willful noncompliance ( statutory damages {$100.00} {$1000.00} per violation, actual/punitive damages, attorney fees ).

FCRA 611 ( a ) ( 1 ) ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Procedure in Case of Disputed Accuracy : Requires reasonable reinvestigation within 30 days, with deletion if inaccurate or unverifiable. For identity theft, expedited deletion is required ; failure triggers 1681n damages.

FCRA 623 ( a ) ( 6 ) ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) Duties of Furnishers Regarding Identity Theft : Prohibits furnishers ( e.g., XXXX, XXXX XXXX XXXX XXXX ) XXXX reporting known inaccurate information due to theft. You must notify furnishers to cease reporting and prohibit reinsertion without certification. 
FCRA 616 ( 15 U.S.C. 1681n ) Civil Liability for Willful Noncompliance : Allows recovery of actual damages, statutory damages ( {$100.00} {$1000.00} per violation ), punitive damages, and attorney fees for willful violations. Your inaction, despite clear evidence, qualifies as willful.

FCRA 617 ( 15 U.S.C. 1681o ) Civil Liability for Negligent Noncompliance : Provides for actual damages and attorney fees even for negligent failures.

CFPA 1031 & 1036 ( 12 U.S.C. 5531, 5536 ) Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : Prohibits CRAs from acts causing foreseeable consumer harm. Maintaining fraudulent data is unfair/abusive, enforceable by CFPB with XXXX up to {$1.00} XXXX per day for knowing violations. Note CFPB 's recent enforcement against Early Warning for fraud-related failures ( e.g., Zelle lawsuit XXXX XXXX but highlighting scrutiny ). 
FDCPA XXXX ( XXXX XXXX. XXXX ) False or Misleading Representations : Bans deceptive practices; retaining fraudulent accounts misrepresents my history, harming access to services. 
FTC Red Flags Rule ( 16 C.F.R. 681.1 ) Identity Theft Prevention Programs : Requires you to detect and respond to red flags like my dispute ; ignoring them violates this rule.

Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801 et seq. ) Safeguards Rule : Mandates protection of consumer financial information ; your failure to promptly remove fraudulent data breaches privacy safeguards, subjecting you to CFPB/FTC enforcement XXXX 

Early Warning 's history of CFPB scrutiny ( e.g., XXXX Zelle fraud lawsuit alleging lax fraud prevention ) underscores the need for compliance to avoid further actions. 
I demand : XXXX block and permanent deletion of all XXXX accounts within XXXX hours ( or by XX/XX/XXXX, per FCRA ) ; Written confirmation of deletion, steps taken with furnishers, and no reinsertion ; An updated consumer report showing removal ; Cease all reporting of these items. 

Noncompliance will prompt immediate CFPB/FTC complaints , NY AG referral ( noting their XXXX lawsuit against you ), and a lawsuit for maximum damages. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation