Consumer complaint received 2025-08-17 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Consumer ID : XXXX Date of Birth : XX/XX/year> SSN : XXXX Submitted via CFPB Complaint Portal Re : Formal Dispute and Demand Against Early Warning Services , LLC Inaccurate , Unverified, and Unlawful Reporting of Negative Accounts To Whom It May Concern, I am submitting this complaint through the Consumer Financial Protection Bureau XXXX CFPB ) to demand immediate corrective action against Early Warning Services , LLC XXXX This company is reporting adverse information that is inaccurate, incomplete, and entirely unverifiable. Such conduct is not only harmful to my financial reputation, it is a direct violation of my rights under the * * Fair Credit Reporting Act ( FCRA ) * *, including but not limited to : * * * Section 609 ( 15 U.S.C. 1681g ) * * failure to disclose sources of information and provide the consumer with all data in the file.

* * * Section 611 ( 15 U.S.C. 1681i ) * * failure
to reinvestigate disputed information and correct or delete inaccurate, incomplete, or unverifiable data.

* * * Section 607 ( 15 U.S.C. 1681e ) * * failure to maintain reasonable procedures to assure maximum possible accuracy of the information concerning the individual.

Additionally, these practices may also constitute violations under the * * Fair Debt Collection Practices Act ( FDCPA ) * * where applicable, and amount to * * defamation of character * * and * * negligent or willful noncompliance * * as defined under * * 15 U.S.C. 1681n and 1681o * *. 

The disputed accounts are as follows : * * XXXX XXXX * * * Routing : XXXX | Account : XXXX * Account Abuse / Unpaid Loss \ {$490.00} * * Routing : XXXX | Account : XXXX * Closed with Overdrawn history * * * XXXX XXXX XXXX XXXX XXXX * * * Routing : XXXX | Account : XXXX * Closed-Purged / Overdrawn * * Routing : XXXX | Account : XXXX * Closed-Purged * * * XXXX California * * XXXX Routing : XXXX | Account : XXXX * Closed with Uncollected Funds, Post No Debits * * Routing : XXXX | Account : XXXX * Closed * * * XXXXXXXX XXXX XXXXXXXX. * * * Routing : XXXX | Account : XXXX * Closed-Purged * * Routing : XXXX | Account : XXXX * Closed-Purged / Overdrawn history * * * XXXX XXXX  - OH XXXX XXXX * Routing : XXXX | Account : XXXX * Closed For Cause-Purged * * Routing : XXXX | Account : XXXX * Closed-Purged * * * XXXX XXXX XXXX XXXX * * * Routing XXXX XXXX XXXX Account : XXXX * Closed For Cause * * Routing : XXXX | Account : XXXX * Closed For Cause * * * XXXX XXXX XXXX XXXX * * * Routing : XXXX | Account : XXXX * Savings Closed / Overdrawn history * * * XXXX Bank * * * Routing : XXXX XXXX Account : XXXX * Overdrawn / Repeated Insufficient Funds * # # # Demand for Action I demand that the CFPB compel Early Warning Services to : 1. Conduct a * * complete reinvestigation * * of every account listed above.

2. Produce all * * verifiable documentation * * supporting their reporting, including contracts or agreements bearing my wet-ink signature. 
XXXX. * * Delete immediately * * any account that can not be fully verified, as required by the FCRA. 

Early Warning has already failed to provide verification when directly disputed. Continuing to report these accounts without proof constitutes willful noncompliance with federal law. This conduct is reckless, harmful, and unlawful.

I insist that the CFPB hold Early Warning Services fully accountable. If proper documentation can not be produced, all disputed accounts must be permanently removed from my file without delay. Any continued reporting of unverifiable accounts will be deemed harassment, defamation, and a violation of federal law. 

I expect nothing less than immediate enforcement of my consumer rights. 

Sincerely, XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation