Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
Early Warning Services , LLC Attn : Consumer Services XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/XXXX Re : Consumer ID XXXX Rebuttal to Reinvestigation & Request for Verification Dear Consumer Services Team, Thank you for your XX/XX/XXXX letter confirming that Early Warning Services ( EWS ) reinvestigated my disputes with Truist ( ID XXXX ), XXXX XXXX ( XXXX XXXX & XXXX ), and XXXX XXXX XXXX XXXX ( XXXX XXXX & XXXX ). I appreciate that you forwarded my concerns, but after reviewing your response I remain unconvinced the information in my file is accurate. Under FCRA 611 ( a ) ( 2 ) and 623 ( b ), I am formally rebutting your conclusions and renewing my request for documentation supporting each disputed item. 
XXXX. XXXX XXXX XXXX XXXX XXXX ( Dispute ID XXXX ) Your letter states that XXXX verified my overdrawn history from XX/XX/XXXX through XX/XX/XXXX. However : My bank statements and signed overdraft affidavits show the account was brought current on XX/XX/XXXX and did not return to negative. 


Request : [ ] Copies of all account documents you received from XXXX that show my purported overdrawn status, including signed transaction records or affidavits. 
XXXX. XXXX XXXX XXXX XXXX XXXX ( Dispute XXXX XXXX & XXXX ) Routing Number Error : You continue to list routing number XXXX. The correct routing number for my XXXX XXXX checking ( acct XXXX ) and savings ( acct XXXX ) is XXXX. I enclose a XXXX XXXX letter on official letterhead verifying this. 


Duplicate Payment Stopped Entries : The two entries dated XX/XX/XXXX are identical and erroneous ; I only submitted one stoppayment request. 


NSF Fees & Overdrafts : All NSF and overdraft items between XX/XX/XXXX and XX/XX/XXXX were promptly resolved ; I enclose cleared check images and my ledger history. 


Request : [ ] Documentation XXXX XXXX providedsigned stoppayment forms, computer printouts, transaction logs, or other original account recordsthat justify these entries. 
3. XXXX XXXX XXXX XXXX ( Dispute XXXX XXXX & XXXX ) Dormant/Inactive Label : My savings account XXXX has regular deposits and withdrawals through XX/XX/XXXX. I enclose transaction summaries from XXXX XXXX confirming active status. 


Overdraft History Discrepancy : The overdrafts listed from XX/XX/XXXX to XX/XX/XXXX were reversed by NSF refunds ; my credit union statements prove these were temporary posting errors. 


Request : [ ] Exact records from XXXX XXXX that show the dormant designation and the disputed NSF postings. 
4. Security Freeze Confirmation I previously requested a security freeze on my EWS consumer report under FCRA 1681c1. Please confirm in writing that no thirdparty access has occurred since XX/XX/XXXX, and outline the procedure to lift the freeze when needed. 
Legal Reminder & Next Steps Under the Fair Credit Reporting Act, furnishers and consumer reporting agencies must conduct a reasonable investigation and supply me with the underlying documents to prove accuracy. Simply accepting a banks assertion without providing me those records fails to meet your obligations. If I do not receive the requested documentation within fifteen ( 15 ) days of your receipt of this letter, I will : File complaints with the CFPB and FTC for failure to conduct a proper reinvestigation.

Pursue all remedies under FCRA 616617, including statutory damages, costs, and attorneys fees. 


Seek {$5000.00} in smallclaims court for defamation and negligent FCRA violations ( see XXXXXXXX XXXX XXXX XXXXXXXX, XXXX. XXXX. XXXX XXXXXXXX ). 


Thank you for your prompt attention to this matter. Please contact me if you require any further information to complete your investigation. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation