Consumer complaint received 2024-11-11 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: GA

Complaint narrative:
Name : XXXX XXXX XXXX DOB : XX/XX/year>XXXX  Last 4 of SSN : XXXX Hello. I am contacting the CFPB today to detail my experience with identity theft. 

XXXX XXXX, the individual who stole my identity, lived with me for 3.7 years. He made copies of my social security card, driver 's license, and birth certificate during his stay. He proceeded to open up numerous accounts in my name with no authorization from me. I am trying my best to remedy the fire he started but he has been the direct cause of the crippling debt that is reporting to my Early Warning Services ( EWS ) report. I have also filed a police report, but this is all I can do as he is nowhere to be found. 

EVERY time I dispute these fraudulent accounts, they make their way back onto my EWS report with no methods of verification provided. There is no reason I have to keep having this same problem after repeatedly doing my part as a consumer to provide AMPLE evidence of identity theft. To remove these accounts for 72 hours, just for them to re-appear, is a slap in the face to me and the laws in place to prevent me from even having to go through this as a consumer. I have changed my driver 's license number TWICE now, requested a social security number change, changed phone numbers, and changed emails. There is NOTHING else I can physically do. PLEASE help me make this the very LAST time I have to file a complaint like this. Im exhausted from this whole ordeal when it comes to remedying identity theft. And I literally have no other options. Theres no one left to contact or call, I just have to hope SOMEONE is willing to help. EWS has proven to not care enough to do so. 

Also, after researching for hours on the best ways to help my situation, this CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Early Warning Services consumer reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I have once again provided the information regarding the account in question : 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 I dont recognize these accounts. I did not authorize these and because of an evil roommate, I have to suffer for his terrible actions. These accounts were not made, opened, or initiated by me. Unfortunately, they are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), along with the other numerous FTC Affidavits I have submitted to EWS, as proof from the US Federal Trade Commission that the account mentioned above is the result of identity theft and fraud.

Company response to consumer: Closed with explanation