Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
FIRST NAME LAST NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX mi XXXX SSN : XXXX XXXX : XX/XX/XXXX Early Warning.Attn : Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Fax : ( XXXX ) XXXX Phone : ( XXXX ) XXXX XXXX Date : XX/XX/XXXX Subject : Dispute Regarding Consumer Report - XXXX Dear Early warnings Consumer Relations Team, I recently became aware of some information reported by XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX and XXXX XXXX XXXX  that is included in the file associated with my Social Security number maintained by Early Warning. After requesting and reviewing a copy of my report, I noticed a couple entries from these institution regarding a list of negative items which are stated below dated next to the negative item stated below reporting to my report XXXX XXXX  negative reporting items and dates : A insufficient Funds XXXX  Transfer dated XX/XX/XXXX ACT # ( XXXX ) A insufficient Funds XXXX Transfer dated XX/XX/XXXX ACT # ( XXXX ) A Previous Account Status reporting overdrawn, Date of last status change : XX/XX/XXXX ACT # ( XXXX ) A Status history reporting Overdrawn of the following dates ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XXXX ), ( XX/XX/XXXX ) ACT # ( XXXX ) A insufficient Funds check transaction dated XX/XX/XXXX ACT # ( XXXX ) A insufficient Funds check transaction dated XX/XX/XXXX ACT # ( XXXX ) Inquiries reporting : Inquiries From XXXX XXXX on XX/XX/XXXX Inquiries From XXXX XXXX via XXXX XXXX dated XX/XX/XXXX Inquiries from XXXX XXXX dated XX/XX/XXXX Inquiries from XXXX XXXX XXXX Dated XX/XX/XXXX XXXX XXXX  negative reporting items and Dates : insufficient Funds XXXX Transfers Dated : ( XX/XX/XXXX ), ( XX/XX/XXXX ), Twice on ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ) ACT # ( XXXX ) A closed for cause-Purged Status history Closed Date of XX/XX/XXXX Routing # ( XXXX ) ACT # ( XXXX ) Reporting Overdrawn status history dates of : ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), Routing # ( XXXX ) ACT # ( XXXX ) A uncollected funds status history reporting date of : ( XX/XX/XXXX ) Routing # ( XXXX ) ACT # ( XXXX ) A post no Debits status history reporting date of : ( XX/XX/XXXX ) Routing # ( XXXX ) ACT # ( XXXX ) ) A overdrawn new account status history reporting dates of ( XX/XX/XXXX ), ( XX/XX/XXXX ), And ( XX/XX/XXXX ) Routing # ( XXXX ) ACT # ( XXXX ) A Current account status closed -Purged reporting date of : ( XX/XX/XXXX ) ROUTING # ( XXXX ) and ACT # ( XXXX ) A Savings Closed-Purged status history reporting date of : ( XX/XX/XXXX ) Routing # ( XXXX ) ACT # ( XXXX ) A Savings Closed status history reporting date of : ( XX/XX/XXXX ) Routing # ( XXXX ) ACT # ( XXXX ) A Savings pending closed status history reporting date of : ( XX/XX/XXXX ) Routing # ( XXXX ) ACT # ( XXXX ) A Closed-Purged account status history reporting date reporting a closed date of : ( XX/XX/XXXX ) ROUTING # ( XXXX ) ACT # ( XXXX ) A status history date reporting Closed-Purged of : ( XX/XX/XXXX ) ROUTING # ( XXXX ) ACT # ( XXXX ) And My name is spelled wrong on my report it is listed as XXXX XXXX on the report which is inaccurate, XXXX XXXX name is XXXX XXXX XXXX please update that information and remove XXXX XXXX XXXX of my name off of my report I do not recall having any association with a the items listed above from XXXX Bank, XXXX bank, XXXX XXXX via XXXX XXXX, and XXXX XXXX BANK,. I kindly request that you verify this information with the reporting institution and provide any documentation they may have, including items bearing my signature, that support the reported claim. If such documentation can not be provided, I request that these entrys be removed from my report immediately. I also ask that you provide me with an updated report reflecting the corrections. 
It is important to note that compliance with federal regulations governing credit reporting agencies is monitored by the Federal Trade Commission ( FTC ) under the Fair Credit Reporting Act ( FCRA ). Early warning fail to adhere to these regulations, I reserve the right to file complaints with the FTC, Consumer Financial Protection Bureau ( CFPB ), and the Minnesota Attorney Generals office. Additionally, I am documenting all communications to support these actions if necessary. 
Please understand that failure to provide evidence supporting the claim, including a copy of any signed agreement or contract related to the reported item, may result in legal action. I will seek compensation for damages, which could include : Defamation of character Negligence in enabling identity theft or fraud Violations of the Fair Credit Reporting Act I trust this matter will be resolved promptly and look forward to receiving your response. Thank you for your attention. 
Sincerely, XXXX XXXX XXXX Signature :

Company response to consumer: Closed with explanation