Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> Early Warning Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Reinvestigation Request - Disputed Fraudulent Account Consumer # : XXXX Dispute Case ID : XXXX To Whom It May Concern, I am writing to formally request a reinvestigation regarding the recent reinsertion of previously blocked information into my Early Warning consumer report. 
The entry, provided by XXXX XXXX XXXX, was originally blocked after I submitted an identity theft claim. I was later informed by XXXX XXXX that the activity in question was considered fraudulent and would only be reported internally within their banking systemnot to any external consumer reporting agencies such as Early Warning. 

To clarify my situation : I was the victim of identity theft under false identification and coercive circumstances. I have no recollection of what was taking place on my account of this incident that occurred at the point and time. I was brought to the attention that there was a fraudulent activity being deposited without my knowledge or consent. I was deeply affected. You may also review the signature on the deposited check ( s ) in question it does not match my handwriting or signature style in any way. I did not consent to authorize any of the fraudulent activity or transactions that were put into my account. 

Given the seriousness of what occurred, I respectfully request the following : A full explanation as to why the previously blocked information was reinserted into my report. 


A detailed copy of all documentation and proof of verification that was used to justify the reinsertion of this information.

I am also invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. According to 1681i ( a ) ( 5 ) ( B ), if information previously blocked due to an identity theft claim is reinserted, the consumer reporting agency must notify me in writing within five business days and
provide the name of the entity that re-verified the information.

Furthermore, under 1681i ( a ) ( 5 ) ( B ) ( iii ), the agency is required to include a notice of reinsertion in my file and provide the name, address, and telephone number of the source that supplied the reinserted information.

I am also requesting the specific method of verification used to justify reinserting this information, including documentation of how it was determined to be accurate and complete.

Additionally, under 1681c-2, I request that all information resulting from identity theft be permanently blocked from my file, as I have submitted documentation attesting to the fraudulent nature of the activity.

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), enforced by the Consumer Financial Protection Bureau ( CFPB ), I trust that Early Warning Services will conduct this reinvestigation in accordance with all applicable laws and fair reporting standards. If the outcome is not in alignment with these standards or lacks proper verification, I am prepared to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) for further review at consumerfinance.gov. 

If I am given the opportunity to provide a full personal statement and explanation of my experience, I would appreciate the chance to discuss further changes or corrections to my file. I am more than willing to cooperate and provide any additional information needed to support my claim. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation