Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
Early Warning Services is a XXXX XXXX practicing unethical and predatory practices. These practices include the selling or trading of one my consumer report, consumer disclosure file, and nonpublic personal information to persons who create securities. I am witnessing securities fraud in real time. Early Warning is not concerned with the fact that having any type of consumer report securitized exposes peoples ' nonpublic personal information to security breaches and data breaches which increases the risk of identity theft and fraud. Early Warning is not concerned with the fact that regulators have implemented rules and regulations to protect consumer data and prevent misuse. Early Warning steals our information and then deny people the right to a security freeze, their consumer report, and their right to their consumer disclosure file, not to be confused with the credit/consumer report, but the consumer disclosure file. I never gave them authorization to give, sell, or trade my nonpublic personal information, my consumer report, or my consumer disclosure file. Also, I never received a privacy notice, nor will they supply the original one with my signature. 
I never gave Permission to Early Warning Services, XXXX, any parent company, co-owner, or subsidiary to securitize, sell or trade my consumer report, consumer disclosure file, and nonpublic personal information. Show me where I said you could sell or trade my reports, my files, and my nonpublic personal information and not give me the proceeds from the millions of dollars that are profited off of these securities. By trading these securities on the secondary market, the persons who traded these securities become guilty of securities fraud, tax evasion, racketeering, money laundering and others. This scheme that Early Warning took part in, with the intent to defraud, was intentional, deliberate, and voluntary, rather than by mistake, accident, or carelessness which makes them liable u

nder 18 USC 1348. Indiana Code Section 24-5-24 of the Indiana Code allows Indiana residents to place a security freeze on their consumer reports. FCRA 605A 15 U.S.C. 1681c-1 (
i ) ( 2 ) ( A ) says you must put a security freeze on consumer reports.

Early Warning Services credit reporting agency is operating in accordance with the FCRA according to your website. web page XXXX XXXXwww.earlywarning.comXXXX  : This is a direct quote takin from your website. 
" Early Warning supports consumers ' rights to dispute and correct inaccurate or incomplete information that has been furnished to Early Warning in accordance with the Fair Credit Reporting Act ( FCRA ). '' I demand Early Warning, and its subsidiaries put a Security Freeze on any and all credit reports and any and all Consumer Disclosure Files that is in my name. To be effective immediately and indefinitely. A confirmation will be sent by mail or email. Security Freeze restricts credit bureaus, creditors, potential employers, XXXX, subsidiaries, parent companies, co-owners ect. Under the Fair Credit Report Act you are required to comply. 
Indiana Code Section 24-5-24 shall place a security freeze on the consumer 's consumer report not later than five ( 5 ) business days after receipt of the request. Not later than ten ( 10 ) business days after receiving a request for a security freeze shall issue to the consumer a written confirmation that a security freeze has been placed on the consumer 's consumer report. 
FCRA 605A Identity theft prevention ; fraud alerts and active duty alerts 15 U.S.C. 1681c-1 ( i ) ( 2 ) ( A ) In general. Upon receiving a direct request from a consumer that a consumer reporting agency place a security freeze, and upon receiving proper identification from the consumer, the consumer reporting agency shall, free of charge, place the security freeze not later than - ( ii ) in the case of a request that is by mail, XXXX business days after receiving the request directly from the consumer. 
FCRA 605A 15 U.S.C. 1681c-1 ( i ) ( 2 ) ( B ) Confirmation and additional information. Not later than XXXX business days after placing a security freeze under subparagraph ( A ), a consumer reporting agency shall - ( i ) send confirmation of the placement to the consumer. 
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply is liable to that consumer in an amount of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

I Opt Out of any future information reporting. I rescind and revoke any and all authorization I may have given whether the authorization were implied, directly given, indirectly given, or otherwise per 16 CFR 313.7, 15 USC 6802, 12 CFR 1016.7. To be effective immediately and indefinitely. 
The FBI defines Identity theft : Wrongfully obtaining and using another person 's personal data ( e.g., name, date of birth, Social Security number, driver 's license number, credit card number ). 
The US Department of Justice defines Identity theft and identity fraud are terms used to refer to all types of crime in which someone wrongfully obtains and uses another person 's personal data in some way that involves fraud or deception, typically for economic gain. 
XXXX Indiana Code " Identity Theft '' IN Code 35-40-14-1 ( 2023 ) Sec . 1. As used in this chapter, " identity theft '' means : ( 1 ) identity deception ( IC 35-43-5-3.5 ) ; or ( 2 ) synthetic identity deception ( IC 35-43-5-3.8 ) identity deception ( IC 35-43-5-3.5 ) -a person with intent to harm or defraud another person, knowingly or intentionally obtains, possesses, transfers, or uses identifying information to profess to be another person, a Level 6 felony.

18 U.S. Code 1028A - Aggravated identity theft, Public Law 108-275 ( 118 STAT. 831 ) ( a ) ( 1 ) In general - Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 
I WILL ONLY RESPOND MY MAIL OR EMAIL SO I CAN HAVE A PAPER TRAIL OF NON-COMPLIANCE.

Company response to consumer: Closed with explanation