Consumer complaint received 2025-07-30 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: AR

Complaint narrative:
-- - * * XXXX XXXX XXXX * * XXXX XXXX XXXX XXXX, Arkansas XXXX ( XXXX ) XXXX XXXX * * To : * * Consumer Financial Protection Bureau Office of Consumer Response XXXX. XXXX XXXX XXXX XXXX XXXX XXXX * * CC : * * XXXX. XXXX XXXX XXXX XXXX. 
Attn : Chief Compliance Officer XXXX XXXX XXXXXXXX XXXX, MN XXXX Fax : XXXX Email : XXXX XXXX. Early Warning Services , LLC XXXX XXXX XXXX XXXX. 
XXXX, AZ XXXX Fax : XXXX Email : XXXX XXXX. XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, AR XXXX Phone : ( XXXX ) XXXX Email : XXXX Email : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Escalated Complaint Illegal Reporting, Identity Theft, and Unlawful Data Use by XXXX XXXX  and Early Warning ; Demand for Immediate Action, Deletion, and Disclosure * * -- - # # # * * XXXX. Introduction & Background * * I am compelled to escalate this complaint because both XXXX XXXX and Early Warning Services , LLC. ( Early Warning ) continue to unlawfully publish and maintain false, fraudulent, and identity-theftrelated information about me, including the so-called TIME SINCE NON-DDA INQUIRY ACTIVITY, UNIQUE FI DDA INQUIRY HISTORY, ASSET OWNERSHIP HISTORY UNKNOWN, and DDA CLOSURE PAYMENT HISTORY XXXX These misleading risk codes and hazard designations are being sold to financial institutions such as XXXX XXXX  and XXXX XXXX XXXX XXXX, unlawfully impairing my ability to access basic banking services and violating my rights under federal and Arkansas law. 

-- - # # # * * 2. My Identity Theft & Legal Obligations * * - I am a * * confirmed victim of identity theft * *, as documented by multiple FTC Identity Theft Reports ( XXXX XXXX, XXXX, XXXX ), which establish fraudulent accounts opened in my name following a breach at the Office of Personnel Management. 
- Under * * 15 U.S.C. 1681c-2 ( a ) - ( d ) * * ( FCRA 605B )XXXX XXXX  and Early Warning * * must * * block the reporting of any information in a consumers file that the consumer identifies as resulting from identity theft within four business days of receipt of a valid identity theft report and specific dispute. 
- I have repeatedly submitted these reports, yet both agencies continue to publish and sell my stolen data, violating * * federal law * * and * * court precedents * *. 

-- - # # # * * 3. Violations and Legal Precedents * * 1. * * CFPB Consent Order ( No. XXXX ) : * XXXX XXXX XXXX was ordered to improve accuracy, disclosures, and dispute handling ; its current conduct flagrantly violates that order. 
2. * * Court Rulings : * * - * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to reinvestigate identity theft claims leads to damages. 
- * XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Parroting furnisher assertions without verification violates the FCRA. 
- * XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Confirmed FCRA violations where identity theft data was refused deletion. 
3. * * Arkansas Law : * * - * Ark. Code Ann. 4-88-107 ( a ) ( 10 ) * prohibits false or misleading representations. 
- * Ark. Code Ann. 4-110-105 * mandates safeguarding consumers personal information, which both agencies are unlawfully violating by continuing to report stolen data. 

-- - # # # * * XXXX. The Unlawful Sale and Use of Risk Codes & Inquiry Data * * - Both XXXX and Early Warning are * * not authorized * * under the FCRA to label consumers as hazardous or fraud risks following consumer disputes related to identity theft. 
- * * The FCRA states : * * > * * 15 U.S.C. 1681g ( a ) : * * > Every consumer reporting agency shall ... clearly and accurately disclose to the consumer all information in the consumers file at the time of the request, including all relevant information regarding the nature and substance of all such information, and all ratings, scores, or any other indicators of the consumers creditworthiness or risk. 

> * * 15 U.S.C. 1681c-2 ( a ) : * * > If a consumer reports to a CRA that information in the consumers file resulted from identity theft, the CRA shall , within 4 business days of receipt of the report, * * block the reporting of that information * * and any derivatives, including risk scores and hazard designations, unless the consumer later rescinds the dispute or the information is verified as legitimate. 

- The * * FCRA * * * * requires * * that * * any risk codes or hazard designations * * be * * deleted, blocked, or clarified * * once a consumer disputes or reports identity theft. 
- Both agencies continued * * sale and dissemination of these codes, despite the dispute * *, * * violate * * these statutory requirements and * * supporting case law * * ( see * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

-- - # # # * * 5. Explicit Demands & Legal Violations * * * * Within four ( 4 ) business days * * of receipt of this complaint, * * both XXXX XXXX  and Early Warning * * must : a. * * Permanently BLOCK and DELETE * * all * * fraudulent, identity-theftrelated information * *, including all * * risk scores * *, * * hazard designations * *, * * non-DDA inquiry data * *, * * asset ownership info * *, and * * payment history * * related to the fraudulent accounts. 

b. * * Immediately cease * * all reporting, sale, and dissemination of * * any inquiry or negative information * * related to my identity theft, including * * all inquiries, scores, and risk codes. * * c. * * Place a permanent OPT-OUT * * flag on my file pursuant to * * 15 U.S.C. 1681b ( e ) * *, and * * cease providing my data or any derivative information * * to any third party for any purpose not explicitly authorized by law.

d. * * Send written confirmation * * of * * full deletion, blocking, and opt-out status * * to me and my attorneys ( Lisle Rutledge , P.A. ) within * * ten ( 10 ) calendar days * * of receipt of this letter. 

e. * * Produce all documents, records, and verification procedures, * * including * * copies of my signature, Social Security card, and any other personal identification documents * * used to verify or furnish my information. 

-- - # # # * * 6. Notice of Intent & Legal Action * * Failure to comply will result in : - Filing * * a small claims action in Arkansas * * seeking * * {$1000.00} per violation * * under the FCRA for each willful breach ; - Initiating * * a federal lawsuit * * through my counsel seeking * * actual, statutory, and punitive damages * * under * * 15 U.S.C. 1681n & 1681o * *, Arkansas consumer protection statutes, and other applicable laws.

-- - # # # * * 7. Request for CFPB Oversight & Enforcement * * I respectfully request the CFPB to : - Use its * * supervisory authority * * to * * examine compliance * * by XXXX  and Early Warning regarding * * identity theft reporting, blocking, and inquiry handling * * as ordered by the CFPB and mandated by the FCRA. 
- * * Require full disclosure * * of * * all policies, procedures, algorithms, and verification records * *, including * * copies of my signature, Social Security card, and other personal identification documents * * relied upon for reporting and sale of my data. 
- * * Impose civil penalties * * and order * * restitution * * as authorized under * * 12 U.S.C. 5565 * *. 

-- - # # # * * XXXX. Attachments & Additional Requests * * - All prior FTC Identity Theft Reports and dispute correspondence. 
- Denial notices from XXXX XXXX XXXXnd XXXX XXXX XXXX. 
- Copies of my * * signature, Social Security card * *, and other personal verification documents ( upon request ). 

-- - # # # * * XXXX. Conclusion * * Both XXXX XXXX and Early Warning are * * illegally maintaining and disseminating * * data resulting from * * identity theft * *, * * violating federal law and court rulings * *. They * * must immediately delete, block, and cease * * reporting all fraudulent, inquiry, and negative data, including * * scores and risk codes * *, and * * produce all verification documents * * used in their reporting process. 

I expect * * written confirmation of compliance * * within the applicable legal timeframes. Failure to respond adequately will result in * * immediate legal action * *. 

Thank you for your urgent attention. 

* * Respectfully submitted, * * __________________________________ * * XXXX XXXX XXXX * *

Company response to consumer: Closed with explanation