Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Early Warning Services , LLC XXXX : Consumer Services XXXX XXXX XXXX XXXX XXXX, AZ XXXX Re : Identity Theft & Fraudulent Accounts Immediate Deletion Demanded Consumer ID : XXXX To Whom It May Concern, I am formally disputing every single negative item appearing in my Early Warning Services file disclosure dated XX/XX/year> as they are the result of identity theft and fraudulent activity committed without my knowledge or consent. 

I have never opened, authorized, or conducted transactions on the following accounts listed in your report. These accounts, routing numbers, and contribution references must be removed immediately under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, 1681s-2, and 1681c-2 ( 605B ), as well as the Texas Business and Commerce Code 20.06 . The continued reporting of these fraudulent accounts is a direct violation of my rights under federal and state law. 

The fraudulent accounts include but are not limited to : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple accounts including Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is an official notice that I am a victim of identity theft, and these accounts were opened and used without my authorization. 

Under FCRA 15 U.S.C. 1681i, you are required to : Conduct a reasonable reinvestigation of the disputed items, free of charge, within 30 days. 
Notify the furnishers of the dispute and obtain verification. 
Delete or correct any information that is found to be inaccurate, incomplete, or unverifiable. 
Provide me with an updated copy of my consumer report and details of the reinvestigation results. 

Under FCRA 605B ( 15 U.S.C. 1681c-2 ), you must block and delete all information related to these fraudulent accounts within XXXX business days of receiving my identity theft report and supporting documentation. 

Enclosed are : XXXX. A copy of my government-issued ID. 
XXXX. A completed FTC Identity Theft Report. 
XXXX a copy of my id and ssn card If you fail to comply, I will take the following actions without further notice : File formal complaints with the Consumer Financial Protection Bureau XXXX CFPB ), the Federal Trade Commission XXXX FTC XXXX, and the Texas Attorney Generals Office. 
Initiate legal action for willful and negligent violations of the FCRA and Texas Business & Commerce Code, seeking statutory, actual, and punitive damages. 

You have XXXX days to complete your reinvestigation and provide written confirmation that all fraudulent accounts have been permanently deleted from your database. If you believe any of these accounts are valid, you must provide original signed applications, full account histories, and XXXX/location data showing that I personally opened and used these accounts. Failure to produce such evidence will be treated as willful noncompliance. 

This letter serves as your final warning. I expect full deletion and written confirmation sent to my address above. 

Sincerely, XXXX XXXX XXXX XXXX XXXX SSN, FTC Identity Theft Report,

Company response to consumer: Closed with explanation