Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Early warning Services , LLC denied me my consumer rights when I requested to be opted out of their reporting services when they failed to remove my personal information from their databases. This is a notice to Early Warning Services ( EWS ) that is opting out of all EWS reporting services. As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I am formally opting out of any and all authorizations that I may have provided, whether written, unwritten, verbal, or nonverbal, to Early Warning Services , LLC, XXXX XXXX, XXXX XXXX, XXXX  XXXX. I am writing to formally notify EWS  of unauthorized reporting of my financial information and violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 15 U.S.C.1681b ( a ) ( 2 ) mandates Consumer Reporting Agencies such as EWS to receive written instructions from a consumer before furnishing a consumer report. EWS did not receive my consent to create this consumer file with my personal financial information that can be advertised for marketing purposes. The financial institutions ( XXXX XXXX, XXXX XXXX, Bank XXXX, XXXX Bank ) did not provide a Clear and Conspicuous Disclosure, specifically stating that my personal information would be reported to EWS, an unaffiliated third party. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information and create a consumer report. EWS use of screening violates my FCRA rights, by a financial institution submitting consumer data ( e.g, name, Social Security Number, date of birth ) EWS compares this data against its database and furnishes a report to the financial institution. EWS obtained my identifying information without my consent such as my social security number to then offer for a price to financial institutions during the screening process. This use of my social security card was not authorized by me and is a violation of my rights. EWS also charges fees to banks and credit unions for using its services, EWS aggregates consumer transaction data and uses it to create risk models and fraud detection tools which are then offered to financial institutions for a price. EWS is making a profit off of my private financial information and failed to inform me nor receive my written consent to do so. EWS has a reputation of informing consumers that they do not have access to account documentation and are unable to provide copies of any documents ; however, this is not true. In the Understanding Your File Disclosure section on my File Disclosure, it is stated by EWS that information in my file is maintained by Early Warning Services in its databases. I will respectfully like to remind the CFPB that it is their job to enforce the law and make sure credit reporting agencies adhere to it and not violate consumer rights. Early Warning Services , LLC has failed to maintain reasonable procedures to ensure the privacy of my information, which has caused me significant emotional distress due to the threat of not being able to open bank accounts and receive credit based off of the information being reported on my file which I never authorized. Under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), I am entitled to statutory damages in the amount of { {$XXXX} } per violation, for cases of willful non compliance. Given the failure to receive my written consent and remove my information upon my request, I am entitled to this statutory compensation. I demand that Early Warning Services compensate me for the harm caused, in the amount of {$XXXX} per violation for each of the XXXX unauthorized transactions reported on my consumer report, as well as the XXXX Inquiries that were authorized without my written consent. To resolve this matter without litigation, I am willing to settle for a one-time payment of {$XXXX}. If Early Warning Services refuses to resolve this matter, I will have no choice but to pursue all available legal remedies, including filing a class action lawsuit in federal court. If I win a civil suit and file a class action, I am entitled to statutory damages of {$XXXX} or XXXX  % of your company according to 15 U.S.C 1681n and 1681o. Thank you.

Company response to consumer: Closed with explanation