Consumer complaint received 2025-10-07 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: GA

Complaint narrative:
CFPB Complaint Credit Reporting ( Big 3 + Specialty Bureaus ) What happened ( brief narrative for the portal ) I am disputing inaccurate, incomplete, and unverifiable information across XXXX XXXX XXXX, and several specialty banking/identity bureaus. I have documented identity-theft indicators tied to multiple data breaches ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and XXXX XXXX XXXX XXXXXX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ). Items previously deleted were later reinserted without furnisher certification or 5-day notice, violating FCRA 611 ( a ) ( 5 ) ( B ). 

Because XXXX XXXX XXXXXXXX XXXX  also check XXXXXXXX XXXX XXXX  ( not just XXXX XXXX XXXX CRAs ), bad data in these files is causing, or likely to cause, automatic business-credit denials. I submitted disputes/freezes to prevent harm and asked for Method of Verification ( MOV ) and first-party signature/authorization proof for each retained tradeline and hard inquiry. The bureaus have not provided the required documentation. 

I am requesting deletion/blocking of unverifiable or identity-theft items, correction of cross-bureau inconsistencies, confirmation of freezes/opt-outs across specialty files, and a written MOV showing signed applications/contracts ( or valid e-signature audit trails ) for every retained account and hard inquiry. 

Companies youre complaining about 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Issue : XXXX belongs to someone else / incorrect information / problem with a credit reporting companys investigation. 

Background & breach context ( attach proofs ) XXXX XXXX Breach In re : XXXX XXXX XXXX XXXX XXXX, No. XXXX. 

XXXX XXXX XXXX XXXX XXXX consolidated consumer actions ( XXXX XXXX. : insert when available ). 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX ) consolidated consumer actions ( XXXX XXXX. : insert when available ). 

XXXX  & address-change alerts : XX/XX/XXXX ( multiple alerts ) ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. 

FTC ID Theft Report : Ref XXXX. Police Report : Case XXXX. 

Personal-information corrections requested ( XXXX XXXX XXXX XXXX ) Keep only my current legal name and current address ; remove legacy/unauthorized addresses, outdated phone numbers, and the unrelated employer entry. Suppress SSN/DOB from public display. 

Improper reinsertion Items previously removed were reinserted without furnisher recertification and without written 5-day notice in violation of 611 ( a ) ( 5 ) ( B ). I request permanent deletion of any item reinserted without full compliance and written proof of certification/notice. 

Disputed tradelines ( cross-bureau conflicts / ID-theft indicators ) ( Each item has highlighted bureau pages attached. I request deletion if unverifiable or full MOV with signer-tied authorization. XXXX XXXX XXXX XXXX  XXXX Authorized User ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX conflicts ( High Credit ; Date Opened ). Remedy : align to AU/Open/Current with correct limit/high credit and dates, or delete. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) High credit mismatch ( XXXXXXXX XXXX XXXX XXXX ; last-active misaligned. Remedy : correct across bureaus or delete. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Charge-off vs closed due to inactivity ; need XXXX and full ledger. Remedy : correct or delete. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX  shows XXXX  XXXX bankruptcy comment without clear court linkage. Remedy : provide public-record linkage or delete. 

* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Status conflicts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) and differing report dates/comments. Remedy : provide note/ledger/foreclosure docs and align, or delete. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple field mismatches ( payment, balance, terms, past-due, status, last reported/active, date of last payment ). Remedy : provide note/ledger/escrow & workout docs and reconcile, or delete. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX term ; last-reported dates differ ; missing entirely on XXXX  despite an active XXXX XXXXXXXX XXXX. Remedy : align to Open/Current, XXXX XXXX XXXX XXXX  balance/high credit {$100000.00}, with matching datesor delete. 

Bankruptcy public record ( remove if unverifiable ) Reference : XXXX ( Chapter XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; court names conflict. 

Courts do not furnish/verify directly with CRAs ; data is scraped by third-party vendors. Identify PACER/vendor, case number, filed/discharge/closure dates, and the exact documents relied upon. If you can not produce competent evidence tying this record to me, delete from all files and downstream products. If reinserted previously, provide 611 ( a ) ( 5 ) ( B ) certification/notice or remove.

Hard inquiries to remove/block ( unauthorized / mixed-file ) Provide MOV for each retained hard inquiry ( FCRA 604 permissible-purpose code, furnisher/member code, signed authorization or valid e-signature XXXX XXXX with timestamp/IP/device logs ; manual vs automated verification ). If you can not produce authorization, delete or convert to soft, and if theft-related, block under 605B.

Bureau Company / Creditor Date Basis of Dispute Requested Action XXXX XXXX XXXX XXXXXX/XX/XXXX No authorization / no permissible use Delete or reclassify to soft XXXX  XXXX XXXX XX/XX/XXXX No authorization Delete XXXX  XXXX XXXX XX/XX/XXXX Duplicate / no authorization XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX No authorization Delete XXXX  XXXX XXXX XXXX XX/XX/XXXX No authorization Delete XXXX  XXXX XXXX XXXX XX/XX/XXXX No authorization Delete XXXX XXXX XXXX XXXX XX/XX/XXXX No authorization Delete XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX Identity theft / no authorization Block under 605B XXXX  XXXX XXXX XX/XX/XXXX No authorization Delete XXXX XXXX XXXXXX/XX/XXXX No authorization Delete XXXX XXXX XXXX XXXXXX/XX/XXXX No authorization Delete ( Also note prior cross-bureau inquiry mismatches for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX ) Specialty banking/identity files ( heavily weighted in business lending ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( reporting bank, member code, account # /dates, DOFD, signed account agreement, closure/overdraft documentation, internal ledger/return-item records, basis for any fraud coding ). Delete unsupported entries and notify downstream users. 

XXXX XXXX : Remove mismatched identifiers/public-record summaries not tied to first-party court documents ; provide sources/timestamps/copies relied upon. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete unverifiable entries ; provide application/consent/ledgers/payment histories. 

XXXX  : Correct/remove mismatched telecom/utility data ; provide furnisher, account numbers, and billing/delinquency proof. 

Signature/authorization proof ( required for any item you keep ) For every retained tradeline and inquiry, provide competent evidence that I authorized it : Signed application/contract ( wet ink ) or valid e-signature that complies with the E-SIGN Act ; E-signature XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX steps used XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ; Furnisher member code and permissible-purpose code for each inquiry ; Internal underwriting/system notes linking the authorization to my identity and the full payment ledger/first-use records. 
If you can not produce the above, delete the item and provide written confirmation.

Company response to consumer: Closed with explanation