Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To : Early Warning Services , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fax : XXXX Email : XXXX Subject : Formal Fraud Dispute & Request for Immediate Removal of Unauthorized Accounts Consumer ID Number : XXXX Dear Early Warning Services, I am writing to formally dispute multiple bank accounts and inquiries that have been fraudulently associated with my identity. My name is XXXX XXXX, and I have never knowingly opened or authorized most of the following accounts and applications that appear in your reporting system. 
Despite my previous efforts to report identity theft directly to the respective financial institutions, your agency continues to report these accounts and inquiries. This is creating significant financial and reputational harm. Please treat this as an urgent identity theft investigation and correction request under the Fair Credit Reporting Act ( FCRA ). 

Disputed / Fraudulent Accounts Below are the accounts that were not opened or authorized by me, and must be removed : XXXX XXXX XXXX XXXX  Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Status : Closed-Purged XXXX. XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Status : Closed-Purged XXXX XXXX XXXX XXXX  Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Status : Closed-Purged XXXXXXXX XXXX XXXX XXXX  Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Status : Closed-Purged XXXXXXXX XXXX XXXX XXXX  ( Savings ) Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Status : Savings Closed-Purged XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Status : Closed for Cause Purged Opened in the name of XXXX XXXX XXXX XXXX XXXX without authorization. 
XXXX. XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Status : Savings New Account XXXX. XXXX XXXX Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Status : Post No Debits XXXX. XXXX XXXX XXXX XXXX XXXXXXXX # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Status : Removed XXXX. The XXXX XXXX XXXX XXXX. 
Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Status : Closed Suspicious or Unauthorized Inquiries I am also disputing multiple recent inquiries made under my identity, many of which were unknown to me and likely resulted from fraudulent applications : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Request for Immediate Action Under the Fair Credit Reporting Act ( FCRA ), I respectfully request the following : 1. A full reinvestigation of all the accounts and inquiries listed above.

2. Immediate removal of all entries found to be fraudulent or unauthorized.

3. Written confirmation of the deletions and updates to my consumer report.

4. Disclosure of any additional items associated with my identity.

If necessary, I can provide a signed identity theft affidavit, police report, or bank communications to further support my dispute. 
Please respond within 30 days as required by law. I can be reached by email or phone if you need additional details. 
Thank you for your urgent attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation