Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: KY

Complaint narrative:
I am filing a complaint against Early Warning Services regarding fraudulent and inaccurate information that has been reported under my name and Social Security Number ( XXXX ) without my knowledge, authorization, or consent. 

In XX/XX/XXXX, I attempted to open a new bank account and was denied. I obtained a copy of my consumer report from Early Warning Services and was shocked to discover that the report contains multiple accounts, inquiries, and identifiers that are completely fraudulent and not mine. 

The report falsely lists the following accounts : XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXX and XXXX XXXX XXXX XXXX XXXX Account # : XXXX and XXXX XXXX XXXX XXXX  XXXX Account # : XXXX ( includes unauthorized check deposits, duplicate transactions, and overdrawn activity ) Additionally, the report shows inquiries from financial institutions I have never interacted with, and incorrectly references the name XXXX XXXX, which is not my legal name. It also includes a different Social Security Number, XXXX & XXXX, which is not mine and should not be associated with my file in any way. 

I have never opened, used, or authorized any of these accounts or applications. This is a clear case of identity theft, fraudulent activity, or file mismerging. 

To address this, I have taken the following actions : Submitted a formal dispute to Early Warning Services demanding removal of all fraudulent accounts and inquiries Filed an identity theft report with the FTC Provided documentation to Early Warning including my government-issued ID, proof of address, and personal statement Asked for removal of all names, SSNs, and inquiries that do not belong to me Despite my efforts, these items have not yet been removed, and I have not received written confirmation or a corrected report from Early Warning. This inaccurate reporting is causing harm to my financial stability, ability to bank, and creditworthiness. 

On XX/XX/XXXX, I attempted to open a new checking account and was denied. I requested and reviewed a copy of my consumer report from XXXX  and discovered fraudulent and inaccurate information reported under my identity. 

The report lists a negative account with XXXX XXXX XXXX ( Account ending in XXXX ) that I did not open, authorize, or use. This account was closed for account abuse with a charge-off of {$710.00} on XX/XX/XXXX. Additionally, the account is associated with the name XXXX XXXX, which is not my legal name, and an address ( XXXX XXXX XXXX, XXXX, KY ) where I have never lived. 

The report also includes multiple unauthorized inquiries from financial institutions and lenders I have never applied to or had any relationship with. These inquiries range from XX/XX/XXXX to XX/XX/XXXX, including entries from : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion ( on behalf of multiple lenders ) I submitted a formal dispute to XXXX  on XX/XX/XXXX, under the Fair Credit Reporting Act ( FCRA ) Sections 609 ( e ) and 611, requesting that all fraudulent and inaccurate information be removed within four ( 4 ) calendar days. I also filed a report with the Federal Trade Commission ( FTC ) documenting this identity theft, and included a personal statement, government-issued ID, and proof of address with my dispute. 

This fraudulent reporting has severely impacted my ability to open a bank account and has placed my financial reputation at risk. I am seeking the immediate removal of the false account, inquiries, and personal data from my XXXX  report.

Company response to consumer: Closed with explanation