Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
My current auto insurance company XXXX XXXX is gouging me {$160.00} mo for worthless insurance of XX/XX/XXXX on my XXXX XXXX XXXX with $ XXXX deductibles, no rental car or any other normal benefits included, then harass me and shut me off immediately if I do not pay them the day it is due. I had my payment on autopay and because I am a twice widowed mother and living on SSA widows pension only, I only get paid one time at the end of the month and do not and can not get loans or credit cards. Then when my payment returned is get gouged by them for additional fees and they still shut my insurance off!!! I tried to go on my account and it only allowed me to go to the screen to pay so I XXXX as they said it had to be paid by the XXXX or would be cancelled and I put in my bank information for my checking with XXXX and then they denied me the ability to use it as they said they received a notice from Early Warnings. I know Early Warnings is owned by several of the largest investment banks including my ex employer XXXX XXXXXXXX, all of whom I reported back in XXXX for misconduct and this is the second time they have tried to damage my credit, make me look bad and keep me from doing any business they also have worked behind the scenes to make sure I never got credit or a job in the investment industry again. They are stalking, harassing me and they refuse to take me out of their system. As well I refuse to do business with any company associated with them, they are crooks and liars! I noticed online the CFPB just went after them in the last year for not protecting peoples data. They have false data on my report and refuse to remove it. Why all of the sudden are insurance companies now able to do this? I can not help it if I run behind and my payment returns I dont have tons of credit cards, loans, or a husband and they have doubled our insurance and lowered the coverage since Covid started!! As all of my other bills have!! I also have never had an at fault accident and online two speeding tickets when young and I am XXXX yrs old, yet they are making me pay high risk rates!! The same goes for Early Warnings and the credit bureaus they have continued to ruin my credit, kept me in subprime loans since I reported them!! They are all working together to get revenge on those who refuse to use credit and those who file complaints and report their misconduct!! They had lies on my report about my XXXX account and when my lawyer and I contacted XXXX about it they denied having any record of what they have on the file they have in me!! I only have my XXXX XXXX XXXX ( paid perfectly ), my car loan ( paid perfectly but two months 30 day late ) and a couple of low bal cc under {$800.00} ea and two small loans under $ XXXX that charged off after I was taken off work by my XXXX  for XXXX XXXX XXXX XXXX XXXX XXXXs from my job at the State of IL, since then I am now semi retired. All of my loans have always been paid on time and I had perfect credit prior to getting sick. But I was off work on unpaid XXXX do fell behind once my savings was used up in the last couple of months!

Company response to consumer: Closed with explanation