Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX Date : XX/XX/year> Early Warning Services , LLC AttXXXX : Consumer Disputes/ Consumer Relations [ Submit via Early Warning consumer dispute portal and by certified mail ] Re : Identity theft demand to block and permanently remove all fraud-related information / request for file disclosure and notice of recipients To Whom It May Concern : I am writing to dispute and demand immediate corrective action regarding consumer-report information in Early Warning Services, LLCs file concerning me, XXXX XXXX ( XXXX XXXX XXXX insert DOB if you choose ], XXXX : [ insert last XXXX if you choose ] ). I allege that my personal information has been used without my authorization and that Early Warning Services is maintaining, and may be selling, trading, or furnishing identity-theft-related information about me to third parties without my consent. This conduct violates the Fair Credit Reporting Act ( FCRA ) and other applicable law.

I demand the following immediate actions and written confirmation : 1 ) Block and permanently remove from my Early Warning file all information that resulted from identity theft and fraudulent transactions, consistent with 15 U.S.C. 1681c-2. Please complete the block within the statutory timeframe and provide written confirmation.

2 ) Conduct a full reinvestigation of any disputed items in my file pursuant to 15 U.S.C. 1681i. Provide a written report of the results of your reinvestigation and a description of the procedures used.

3 ) Provide a complete disclosure of my Early Warning file pursuant to 15 U.S.C. 1681g, including all consumer reports, records, notes, and any documents or evidence you used to create my file. 

4 ) Provide a complete list of all persons, companies, financial institutions, or other entities that have obtained, received, or accessed any consumer report or record about me from Early Warning during the past two years ( or the maximum period permitted ), including dates of access.

5 ) Provide a written statement detailing whether Early Warning has sold, traded, or otherwise transferred my personally identifiable information to any third parties for monetary gain ; if so, identify each recipient, the dates of transfer, and provide copies of any agreements authorizing those transfers.

6 ) Notify in writing all persons or entities that received the fraudulent or incorrect information that those entries were the result of identity theft and have been blocked/removed, as required by law.

7 ) Provide written certification that all identity-theft-related entries have been blocked/removed and that Early Warning will not furnish, publish, sell, or otherwise disclose those blocked entries to third parties in the future. 

I enclose the following documentation to support my identity theft claim and to enable your investigation ( please find copies only ; never send originals ) : - Copy of government-issued photo ID ( drivers license ) - Proof of current address ( utility bill or bank statement ) - Copy of police report ( or FTC Identity Theft Report ) - Completed Identity Theft Affidavit ( FTC form ) Legal basis for this demand - Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Early Warning is subject to the FCRA as a consumer reporting agency and must : - Reinvesitigate disputes ( 15 U.S.C. 1681i ), - Maintain reasonable procedures to assure maximum possible accuracy of consumer reports ( 15 U.S.C. 1681e ( b ) ), - Provide consumer file disclosures ( 15 U.S.C. 1681g ), - Block information that results from identity theft upon receipt of a valid identity theft report and supporting documentation ( 15 U.S.C. 1681c-2 ), - Be liable for willful and negligent noncompliance ( 15 U.S.C. 1681n, 1681o ).

- GrammLeachBliley Act ( GLBA ), 15 U.S.C. 6801 et seq. imposes requirements on financial institutions and entities handling consumers financial information to protect privacy and security.

- Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 prohibits unfair or deceptive acts or practices in the handling of consumer information.

- Georgia law on identity theft ( O.C.G.A. 16-9-121 and related statutes ) criminalizes unauthorized use of another persons identifying information. 

If Early Warning does not complete the reinvestigation and identity-theft blocking as required by federal law within the applicable statutory period, or if you refuse to provide the requested disclosures and recipient list, I will pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau XXXX CFPB ) and the Federal Trade Commission XXXX FTC ), notifying the Georgia Attorney General, and seeking statutory and actual damages, injunctive relief, and attorneys fees under the FCRA and other laws. 

Please respond in writing to the address above and by email to XXXX within the statutory period. I will send this letter via certified mail and submit via your online dispute portal to ensure timely receipt. Keep a copy of all communications for your records. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation