Consumer complaint received 2025-11-10 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: MO

Complaint narrative:
To Whom It May Concern, This correspondence serves as a formal dispute and demand for correction under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and Regulation V ( 12 C.F.R. Part 1022 ) regarding the inaccurate and harmful reporting of the above-referenced account. According to my credit report dated XX/XX/year>, XXXX XXXX XXXX is reporting this account as Charged Off with a past-due balance of {$100.00}. This is both inaccurate and misleading, and it is causing demonstrable harm to my creditworthiness.

LEGAL BASIS FOR DISPUTE AND CORRECTION 1. Lack of Permissible Purpose Under 15 U.S.C. 1681b ( a ) and 12 C.F.R. 1022.41 ( a ), a consumer report may only be furnished for specific, lawful purposes. There is no verifiable written authorization from me granting you or any third party the right to obtain or furnish my consumer data. 2. Duty to Ensure Accuracy and Integrity Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 12 C.F.R. 1022.42 ( a ) ( b ), furnishers are required to establish and maintain reasonable written policies and procedures to ensure the accuracy and integrity of information provided to consumer reporting agencies. Reporting a false charge-off balance violates this requirement. 3. Duty to Conduct a Reasonable Reinvestigation Upon notice of dispute, you must conduct a reasonable reinvestigation per 15 U.S.C. 1681s-2 ( b ) ( 1 ) and 12 C.F.R. 1022.43 ( e ) ( 1 ). This includes reviewing all relevant information, correcting or deleting inaccurate data, and reporting the results to the consumer and each credit bureau. 4. Prohibition on Furnishing Information Known to Be Inaccurate 12 C.F.R. 1022.42 ( c ) prohibits furnishers from providing information to a consumer reporting agency if they know or reasonably should know that the information is inaccurate. Continuing to report this account as charged off without lawful validation constitutes a clear violation. 5. Obligation to Update and Correct Information Under 12 C.F.R. 1022.42 ( d ), furnishers must promptly update or correct information they have furnished if they later determine it is incomplete or inaccurate. The continued reporting of this derogatory mark demonstrates noncompliance with this provision. 6. Recordkeeping Requirement 12 C.F.R. 1022.42 ( e ) mandates that furnishers retain evidence of compliance with these duties, including dispute responses and documentation used in verification.

I DEMAND THE FOLLOWING ACTIONS Immediate removal of the charge-off, past due, and any negative payment status not supported by verifiable accounting ; Update this tradeline to reflect a Paid/Closed or Current status ; Provide written verification and documentation supporting the original reporting ; Provide copies of your policies and procedures used to ensure accuracy under 1022.42 ( a ) ( b ) ; and Confirm correction with credit Bureaus in writing within 30 days, as required under 15 U.S.C. 1681i ( a ) ( 5 ). Please note this is not a request for deletion of the tradeline itself, but a demand for removal of inaccurate and harmful derogatory remarks inconsistent with lawful reporting obligations. Failure to comply within the statutory period will constitute willful and/or negligent noncompliance under 15 U.S.C. 1681n1681o and subject you to full liability for actual, statutory, and punitive damages. All communication must be in writing only and sent to the address and email address listed.

Company response to consumer: Closed with explanation