Consumer complaint received 2025-07-18 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Formal Dispute, XXXX for XXXX XXXX XXXX, and Cease-and-Desist Notice of Reporting To Whom It May Concern : I am writing to formally dispute the accuracy and validity of the following accounts reported on my consumer file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into the accuracy of the disputed information, the method of verification, and a detailed description of the procedures used to verify this information.

Legal Basis for This Dispute 15 U.S.C. 1681i ( a ) ( 1 ) : Consumer reporting agencies are required to conduct a reasonable reinvestigation of any disputed information.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Entitles me to receive all relevant documentation used to substantiate the reporting of these accounts.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : If any information is found to be inaccurate, incomplete, or unverifiable, you must delete or modify the information promptly and notify me.

If you can not provide full documentation and verification within 15 days of receipt of this letter, I demand that the disputed items be blocked or removed from my credit file immediately. 

Personal Information Update Correct Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following outdated or undeliverable addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) These inquiries were made without permissible purpose under 15 U.S.C. 1681b and should be permanently deleted.

Specific Requests Method of Verification : Provide the exact method of verification used to validate the accuracy of each disputed account. Also provide any documents received to verify or validate each account.

Procedural Details : Describe the procedures followed during your investigation per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

Documentation : Provide copies of all documents relied upon to verify the accuracy and ownership of the accounts and inquiries.

Cease-and-Desist Notice Under 12 CFR 1006.6 ( c ), I am formally demanding that you cease and desist from any further communication with me unless it is to provide documentation or verify the disputed accounts. Continued contact without compliance will be deemed a violation of my consumer rights. 

Actions Required If Documentation Can not Be Provided Block or Remove the Disputed Accounts under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Cease and Desist Reporting : Immediately stop all reporting and communication related to these accounts.

Legal Notice Failure to : Conduct a reasonable investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ), Provide required documentation ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ), or Remove unverifiable information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) constitutes a violation of federal law. I will pursue the following remedies : Statutory Damages : {$1000.00} per violation ( 15 U.S.C. 1681n ( a ) ) Actual Damages : Emotional distress, credit damage, and denied opportunities Punitive Damages : For willful noncompliance Attorney 's Fees & Costs Expecting Compliance I expect your written response, including all requested documentation, within 15 days of receiving this letter. If no response is received, I will initiate legal proceedings without further notice. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation