Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Protection Finance Bureau 1700 G St Washington , DC 20552 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX EARLY WARNING SERVICES 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 DEAR CFPB , According to the Fair Credit Reporting Act ( FCRA-15 USC1681 and its subsections ) and the Equal Opportunity Credit Act ( ECOA ) I am writing this letter to bring attention to inaccurate credit reporting, unauthorized inquiries, disputes of debt, unmailable addresses, closed and negatively reported-open ended open-ended accounts, all paid in full yet still debiting my accounts, threatening communications and retaliatory interest charges on paid accounts and reporting to 3rd parties private and transactional history. 
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XXXX XXXX XXXX XXXX ( dispute visa acct and 2 loan accts : all pd ; still debiting my accounts, threatening communications and retaliatory interest charges on paid accounts ; refusal to give credit increase on an open-ended accounts ) ; XXXX, XXXX : ( Paid in full and closed ) no use to me as agreed. 

XXXX XXXX- dispute acct ; paid in full XXXX on same amount ; charged off {$1500.00} on a {$1000.00} cred limit, and closed an Open ended Credit account ) reported negatively on al bureaus ; 3rd parties reported private information and transaction history XXXX XXXX XXXX XXXX ( paid in full, closed open ended account reported info to 3rd parties ; XXXX XXXX XXXX ( paid in full on contract, sending harassing and threatening communications and closed acct without access ) XXXX XXXX ( Paid in full on an open ended credit acct ) ; 3rd parties XXXX and XXXX-both accounts-dispute : paid in full, disrupted services on an open ended Acct ) ; 3rd parties XXXX  XXXX : ( dispute balances on all accounts- still making payments on paid in full accounts, Secured card w/ security returned, paid in full, disrupted usage, no balance increases on open ended accounts ) 3 rd parties XXXX XXXX : ( Dispute account balance ; paid in full prior to new cycle date ) 3rd parties XXXX XXXX XXXX ( dispute balances on all accounts- still making payments on paid in full accounts, Secured card w/ security returned, paid in full, disrupted usage, no balance increases on open ended accounts ) 3 rd parties XXXX XXXX XXXX : dispute balances on all accounts- still making payments on paid in full accounts, Secured card w/ security returned, paid in full, disrupted usage, no balance increases on open ended accounts ) 3 rd parties XXXX XXXX : denied credit on 2 business and personal credit accounts-Open Ended accounts : no denial letters. 

XXXX : ( Denied credit on open ended Accounts personal and Business ( 2 ) ; Reported all my personal information to a 3rd parties ) ; private transaction history XXXX XXXX XXXX : reported and fraudulently inquired over 6 times in XXXX and its out of business in XXXX ; 3rd party XXXX XXXX XXXX Dispute acct ; reported all my personal information to several 3rd parties without my permission. Reported pvt transaction history XXXX : Denied credit on an open ended Acct ; gave all my information to a 3rd parties XXXX : Denied Credit on an Open ended Account for personal ( XXXX  ) and Business ( XXXX  ) ; reported my information to a 3rd parties XXXX XXXX XXXX XXXX XXXX XXXX : dispute acct, : reported my private transaction history and personal information to 3rd parties XXXX XXXX XXXX : Dispute account ; Closed an open ended credit acct, reported all information to 3rd parties XXXX XXXX XXXX XXXX XXXX : Denied credit accounts on open ended accounts personal and business ; reported to 3rd parties transactional history XXXX XXXX XXXX ( various LOCATIONS ) reported bank transaction history, denied credit on open ended accounts, denied new account. 

XXXX : Denied a new account and credit account-open ended acct XXXX XXXX  : Closed and open ended credit account ; reported transactional history to 3rd parties XXXX XXXX : Acct in dispute, paid in full as agreed, Negatively reporting attempting to sell erroneous debt, Bank and dealership charged me to get a better rate by {$4600.00} the amount of debt, also sold a pkg for rims ans wheels that was impossible to use.

Company response to consumer: Closed with explanation