Consumer complaint received 2025-01-16 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: LA

Complaint narrative:
This letter serves as a formal dispute regarding several inaccuracies on my consumer report maintained by XXXX XXXX XXXX, which I have reviewed and found to contain erroneous, incomplete, and misleading information. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I demand an immediate investigation and resolution of the following issues : XXXX. Accounts with XXXX XXXX I have no knowledge or recollection of the accounts displaying as closed with a Consumer Remove Date of XX/XX/XXXX and XX/XX/XXXX, or those listed as dormant/inactive. These accounts must be validated and verified or deleted immediately. 
Additionally, the accounts currently listed as XXXX are inaccurately reflecting negative reporting, such as insufficient funds. These claims are entirely false, as I have maintained stellar banking practices with my active accounts. This incomplete and inaccurate reporting is unjustly damaging my financial reputation and requires prompt correction. 

Bank Name : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Account # : XXXX Bank Name : XXXX XXXXXXXX XXXX XXXX XXXX  # : XXXX Account # : XXXX Bank Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  : XXXX Account # : XXXX Bank Name : XXXX XXXX LA Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX Account # : XXXX Bank Name : XXXX XXXX LA Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX LA Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX Bank Name : XXXX XXXX XXXX XXXX Bank Routing # : XXXX Account # : XXXX XXXX. Unauthorized Inquiries There are multiple unauthorized inquiries appearing on my report that I did not consent to. Below is the list of XXXX names and dates : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ONLY XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX I demand that each of these inquiries be investigated, and evidence of my authorization be provided. If no such evidence exists, these inquiries must be immediately removed from my consumer report. 

3. Request for Validation and Immediate Action Under FCRA Sections 609 and 611, I am requesting that Early Warning Services provide : The name of the institution ( s ) reporting these inaccuracies.

The documentation or evidence used to verify the information.

A complete list of the entities that have accessed my report.

If Early Warning Services can not validate or verify the accuracy of the disputed information, it must be removed from my file without delay.

4. Deadline for Response Please complete your investigation and provide me with the requested documentation within 30 days of receipt of this letter, as required by law. Failure to comply will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office.

Company response to consumer: Closed with explanation