Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Bank Involved : XXXX XXXX XXXX XXXX XXXX XXXX Consumer Reporting Agencies Involved : Early Warning Services ( EWS ) and XXXX  Date of Account Closure Notice : XX/XX/XXXX Date of XXXX Response Letter : XX/XX/XXXX Complaint Summary : On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX XXXX ) notifying me that my small business checking account had been closed. The letter stated : " We may report our decision to XXXX or Early Warning Services ( EWS ), or both. This may affect your ability to open an account at another financial institution for up to five years. You can get a copy of your report from the reporting agency. If theres any information in the report thats inaccurate or incomplete, you can dispute it with them. '' Because XXXX suggested that my account closure may have been reported to EWS and/or XXXX I registered online with both agencies to check for any negative records. After reviewing my records, I found no indication that XXXX had reported my account closure nor any prior negative information. To ensure accuracy, I formally requested my full consumer reports from both agencies. 

On XX/XX/XXXX, XXXX responded to my inquiries with a letter stating, " we confirmed information on this account isnt being reported. '' This contradicts their XX/XX/XXXX letter, which implied that my account closure might be reported and that I should check with these agencies. 

This raises several critical issues : *If XXXX did not report my account closure, why did they direct me to EWS and XXXX in the first place?

*Did XXXX close my account based on pre-existing information from EWS or XXXX XXXX even though I found no negative records in either? 
*If XXXX used internal policies or proprietary risk assessments to justify the closure, why wont they disclose the reason to me directly? 
*If there is negative or incorrect information in any system, I have the right to know so that I can dispute it properly. 
XXXX lack of transparency and contradictory responses make it impossible for me to understand or dispute any alleged issues. 

Issues to Address : XXXX  Contradictory Statements : XXXX first implied that my account closure might be reported, then later claimed no information was reported. 
*Failure to Provide a Justification for Account Closure : XXXX  has not provided a clear reason for the closure, preventing me from disputing or addressing any alleged issues. 
XXXXNo Negative Information Exists in EWS or XXXX : Since I have now reviewed my records with both agencies and found nothing negative, BOAs referral to them was misleading. 
*Potential Use of Internal Data Without Disclosure : If XXXX relied on internal policies or non-public data to justify their decision, they should be required to disclose that information to me. 
*Misdirection and Lack of Accountability : XXXX referral to EWS and XXXXdespite confirming that no report was madesuggests they may be attempting to avoid providing a direct explanation.

*Right to Dispute Any Negative Information : If any negative or inaccurate information exists in any system, I have the right to access it and dispute it accordingly.

Company response to consumer: Closed with explanation