Consumer complaint received 2024-09-11 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: MD

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information that is being reported on my credit file by Early Warning Services LLC. This dispute is made under the provisions of the Fair Credit Reporting Act ( FCRA ). Additionally, I demand the immediate removal of my information from XXXX & Early Warning Services LLC. My information should not have been reported in the first place, as I did not consent to have it reported. 

Disputed Items XXXX. Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX - Nature of Dispute : This account does not belong to me. 
- FCRA Violation : 611 ( 15 U.S.C. 1681i ) 2. Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX - Nature of Dispute : This account was closed and paid in full. 
- FCRA Violation : 611 ( 15 U.S.C. 1681i ) 3. Account Name : XXXX XXXX  XXXX XXXX  - Account Number : XXXX - Nature of Dispute : The amount reported is incorrect. 
- FCRA Violation : 611 ( 15 U.S.C. 1681i ) 4. Account Name : XXXX XXXX XXXXXXXX XXXX - Account Number : XXXX - Nature of Dispute : This account is a duplicate listing. 
- FCRA Violation : 611 ( 15 U.S.C. 1681i ) 5. Account Name : XXXX XXXX XXXXXXXX XXXX  - Account Number : XXXX - Nature of Dispute : This account shows a late payment that was never late. 
- FCRA Violation : 611 ( 15 U.S.C. 1681i ) 6. Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX - Nature of Dispute : The status of this account is reported incorrectly. 
- FCRA Violation : 611 ( 15 U.S.C. 1681i ) 7. Account Name XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX - Nature of Dispute : This account was resolved but still shows as open. 
- FCRA Violation : 611 ( 15 U.S.C. 1681i ) 8. Account Name XXXX XXXX XXXX XXXXXXXX XXXX - Account Number : XXXX - Nature of Dispute : The reported balance is incorrect. 
- FCRA Violation : 611 ( 15 U.S.C. 1681i ) 9. Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX - Nature of Dispute : This account does not belong to me. 
- FCRA Violation : 611 ( 15 U.S.C. 1681i ) 10. Account Name : XXXX XXXX XXXX - Account Number : XXXX - Nature of Dispute : This account was closed and paid in full. 
- FCRA Violation : 611 ( 15 U.S.C. 1681i ) 11. Account Name : XXXX XXXX  XXXX - Account Number : XXXX - Nature of Dispute : The amount reported is incorrect. 
- FCRA Violation : 611 ( 15 U.S.C. 1681i ) 12. Account Name : XXXX XXXX XXXX - Account Number : XXXX - Nature of Dispute : This account is a duplicate listing. 
- FCRA Violation : 611 ( 15 U.S.C. 1681i ) 13. Account Name : XXXX XXXX XXXX - Account Number : XXXX - Nature of Dispute : This account shows a late payment that was never late. 
- FCRA Violation : 611 ( 15 U.S.C. 1681i ) 14. Account Name : XXXX XXXX XXXX - Account Number : XXXX - Nature of Dispute : The status of this account is reported incorrectly. 
- FCRA Violation : 611 ( 15 U.S.C. 1681i ) 15. Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX - Nature of Dispute : This account was resolved but still shows as open. 
- FCRA Violation : 611 ( 15 U.S.C. 1681i ) 16. Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX - Nature of Dispute : The reported balance is incorrect. 
- FCRA Violation : 611 ( 15 U.S.C. 1681i ) Legal Violations If XXXX or Early Warning Services LLC uploaded my information without my knowledge or consent, several laws may have been violated, including : 1. Fair Credit Reporting Act ( FCRA ) : This federal law requires that consumer reporting agencies, like XXXX, ensure the accuracy, fairness, and privacy of the information in the files they maintain on consumers. It also gives consumers the right to know what information is in their files and to dispute incorrect information. Uploading information without my knowledge might violate the FCRA 's provisions related to consumer consent and notification. 

2. Gramm-Leach-Bliley Act ( GLBA ) : This act requires financial institutions to protect the privacy of consumers ' personal financial information. If XXXX is considered a financial institution or if they received my information from a financial institution, they might be required to notify me before sharing my data. 

XXXX. State Privacy Laws : Various states have their own privacy laws that might be applicable. For example, California 's Consumer Privacy Act ( CCPA ) grants consumers the right to know what personal information is being collected about them and how it is being used. If you are in a state with strong privacy laws, XXXX might be violating those regulations by not informing me. 








Actions Requested Under the FCRA, I am requesting the following actions to be taken : 1. An immediate investigation into the disputed items listed above.

2. Deletion or correction of inaccurate information from my credit report.

3. Immediate removal of my information from XXXX. 
XXXX. Provision of copies of any contracts or agreements bearing my signature for each of the disputed accounts. 
XXXX. Notification of the results of the investigation within the legally mandated time frame. 
XXXX. Provision of a corrected credit report if changes are made as a result of your investigation. 

If these actions are not taken promptly, I will have no choice but to take legal action to protect my rights under the FCRA. My information should not have been reported to XXXX in the first place, as I did not consent to have it reported. The inclusion of my information without my permission is illegal, and I demand that these accounts be removed immediately.

Company response to consumer: Closed with explanation