Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
CFPB COMPLAINT FRAUDULENT BANK ACCOUNT REPORTING Filed by : XXXX XXXX XXXX XXXX : XX/XX/year>2025 FTC Identity Theft Report # : XXXX Last 4 of SSN : XXXX Phone : ( XXXX ) XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Parties Involved : 1. XXXX XXXX XXXX  XXXX. ( Legal Department ) XXXX XXXX XXXX XXXX XXXX NY XXXX Phone : ( XXXX ) XXXX 2. XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX 3. Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone : ( XXXX ) XXXX Complaint Summary : I, XXXX XXXX XXXX, am a documented victim of identity theft. A fraudulent checking account was opened in my name at XXXX XXXXXXXX XXXX with the account number ending in XXXX. I did not open, authorize, or consent to this account. My personal identifying informationincluding my Social Security numberwas used without my permission. 

This fraud was documented in an official FTC Identity Theft Report ( Report # XXXX ), submitted on XX/XX/year>2025. A personal statement under penalty of perjury is also included in the supporting documentation. 

Despite these filings, the unauthorized account is still being reported and/or verified through : XXXX Early Warning Services XXXX XXXX XXXX This continued reporting is in direct violation of federal law under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and applicable state identity theft laws.

Violations Cited : 15 U.S. Code 1681c-2 ( a ) Consumer reporting agencies must block reporting of any item identified as the result of identity theft when the consumer provides proof of identity, a police or FTC report , and a written request for blockingwithin 4 business days.

15 U.S. Code 1681s-2 ( a ) ( 6 ) ( B ) A furnisher ( like XXXX ) must cease reporting fraudulent information when notified and given supporting identity theft documents. 

15 U.S. Code 1681i ( a ) ( 5 ) ( A ) If disputed information is found to be inaccurate, incomplete, or unverifiable, it must be deleted and may not be reinserted without certification of accuracy.

Actions Demanded : 1. XXXX XXXXXXXX XXXX  must permanently delete and block the fraudulent account ending in XXXX from its internal systems and notify all third-party reporting agencies, including XXXX  and Early Warning Services . 
2. XXXX and Early Warning Services must immediately block and permanently delete all information relating to this fraudulent XXXX XXXX account as required by 15 U.S.C. 1681c-2.

3. Provide written confirmation within 5 business days that the XXXX account and all associated data have been permanently deleted and will no longer be verified, reported, or shared.

4. Cease and desist from furnishing, verifying, or otherwise communicating any information related to this account with any consumer reporting agencies or third parties.

Relief Sought : I am requesting that the Consumer Financial Protection Bureau ( CFPB ) open a formal investigation into this matter and enforce the following remedies : Full permanent deletion and blocking of the fraudulent account ending in XXXX from all systems Removal of any associated entries from XXXX  and Early Warning Services Investigation into XXXX failure to honor federal identity theft blocking laws Enforcement of statutory damages and penalties under FCRA for failure to comply Attachments : FTC Identity Theft Report ( # XXXX ) Personal statement under penalty of perjury Contact information for all parties involved

Company response to consumer: Closed with explanation