Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Subject : XXXX XXXX  XXXX Early Warning Services Furnishing Unverified, Incomplete, and Potentially Defamatory Information Dispute Case ID XXXX I am submitting this complaint because XXXX XXXX  and Early Warning Services ( EWS ) are furnishing inaccurate, incomplete, and unverified information in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i. 

On XX/XX/year>, I filed a dispute with Early Warning ( Case ID XXXX ) regarding a negative item reported by XXXX under Reference # XXXX, labeled Closed for Cause and associated with alleged fraud. 

This designation is false, unsupported, and misleading. 

The underlying incident involved a check that was sent to me and later returned as bad, which I deposited fully believing it was legitimate. There was no intentional fraud, no malicious activity, and no criminal intent. XXXX has zero evidence to support a fraud classification. Assigning a fraud label without proof is reckless and harmful. 

XXXX told me I needed to repay {$200.00}, and I complied immediately. I provided Early Warning with evidence of repayment, including documentation showing a {$200.00} direct debit to XXXX on XX/XX/XXXX at XXXX XXXX, labeled XXXX MAKE A PMT, LOAN PYMT. 

This payment is not reflected anywhere in the information XXXX furnished. 
This makes the reporting incomplete and therefore legally inaccurate under FCRA standards. 

Despite receiving evidence, Early Warnings reinvestigation produced : No documentation from XXXX No proof of fraud No investigation notes No verification of the repayment No evidence that a reasonable FCRA-compliant investigation ever occurred Early Warning simply stated the information was accurate, which is impossible without XXXX providing proof. This strongly suggests the reinvestigation was superficial and noncompliant, potentially violating 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( failure to conduct a reasonable reinvestigation ). 

This situation is causing ongoing harm, including being denied the ability to open new bank accounts. 

I request that the CFPB require XXXX and Early Warning to : 1. Provide all records, documents, and internal notes XXXX used to classify the account as Fraud/Closed for Cause. 
2. Produce any evidence of intentional fraud, which does not exist, because I was the victim of a bad check not a perpetrator.

3. Explain and correct why the {$200.00} repayment made on XX/XX/XXXX is not reflected in the furnished data. 
4. Provide the ACH/trace number from XXXX  internal records, since my banking app does not display it. 
5. Immediately delete or correct the inaccurate information under their obligations to report complete and verified information. 
6. Demonstrate compliance with all relevant FCRA duties, since both entities appear to have failed to meet the statutory requirements. 

XXXX and Early Warning have furnished unverified, incomplete, and damaging information and ignored clear evidence during reinvestigation. This is unacceptable and requires CFPB intervention. 

I request a full investigation and enforcement action if warranted.

Company response to consumer: Closed with explanation