Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
This correspondence serves as a formal demand and notice of claim for damages due to the unauthorized collection and reporting of my sensitive financial information by your agency. 

Upon reviewing my consumer report from Early Warning Services, I discovered that private, nonpublic financial data including but not limited to deposit records, transactional activity, and internal banking information has been collected and disclosed without my knowledge, consent, or authorization. 

Let me be explicitly clear : I have never opted in, consented to, nor authorized any financial institution to transmit my confidential banking activity to your agency. 

This is a violation of the following federal laws : Fair Credit Reporting Act ( XXXX  ), XXXX U.S.C. XXXX et seq. 
XXXX : Information may only be collected and used for specific, authorized purposes. 

XXXX & XXXX : Reasonable procedures must be in place to assure maximum possible accuracy and protect confidentiality. 

Statutory damages for willful violations range from {$100.00} {$1000.00} per violation, plus punitive damages, attorneys fees, and court costs. 

XXXXmm-Leach-Bliley Act ( XXXX ), XXXX U.S.C. XXXX Title V mandates that institutions disclose information-sharing practices and offer consumers the right to opt out. 

Unauthorized sharing of nonpublic personal information is subject to : Up to {$100000.00} per violation ( institution ) Up to {$10000.00} per violation ( individual officer/employee ) I Am Now Formally Seeking Remedy Due to these violations, I am now seeking financial damages as a result of the willful and negligent mishandling of my personal information. This includes : Emotional distress caused by the breach of privacy Potential denial of credit or services Legal costs and time burden related to resolving this issue Immediate Action Demanded : Permanently delete all financial and nonpublic personal information that was obtained or shared without my express, written consent. 

Cease any further data collection or reporting of this nature unless you can provide verifiable written proof of my consent. 

Provide written confirmation within 30 days that my record has been corrected in full accordance with the FCRA, XXXX, and all applicable state and federal privacy laws. 

Confirm that this data has been suppressed or deleted and will no longer be shared or accessible through your platform. 

Begin settlement discussions to resolve my damages before escalation. 

If you fail to respond or comply within XXXX  days, I will have no alternative but to escalate this matter to the Federal Trade Commission, Consumer Financial Protection Bureau, and Maryland Attorney XXXX XXXX, and I will immediately pursue legal action to obtain : Statutory damages Punitive damages for willful noncompliance All related legal and court costs I urge you to treat this matter with the urgency and seriousness it warrants. Your compliance and accountability are not optional they are required by law.

Company response to consumer: Closed with explanation