Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Pursuant to Fair Credit Reporting Act 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for consumers right to privacy. I have found Early Warning Services, a consumer reporting agency by definition, in violation of this regulation by refusing to respect my right to privacy. Per 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. EARLY WARNING SERVICES DOES NOT OFFER AN OPT OUT OPTION, which directly violates my rights as a Federally Protected Consumer. FCRA 15 USC 1681 ( e ) states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishings of consumer reports to the purposes listed under section 1681b of this title. 15 USC 1681b states It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevance, and proper utilization of such information in accordance with the requirements of this subchapter. I, the consumer, have expressed unfair, inequitable and irrelevant reporting to Early Warning Services. In addition, pursuant to 15 USC 1681 ( b ), there is no permissible purpose for the Inquiries allowed. Each inquiry has been completed without my knowledge and/or written consent. The Privacy Act protects my personal information such as name and social security number. Not only is my name, social security number and drivers license number listed, my account numbers are listed as well. This is completely unacceptable. Making ALL of my personal nonpublic information available makes me the perfect target for identity theft. I am again requesting Early Warning Services respect my right to privacy by allowing me to Opt Out of ALL reporting on their ( Early Warning Services ) platform. If no reasonable resolution is reached, I will seek remedy by way of Federal Court, as the following reporting has caused extreme hardship. OBLIGATIONS OF ALL USERS OF CONSUMER REPORTS A. Users Must Have a Permissible Purpose. Congress has limited the use of consumer reports to protect consumers privacy. All users must have a permissible purpose under the FCRA to obtain a consumer report. Section 604 contains a list of the permissible purposes under the law. These are : As ordered by a court or a federal grand jury subpoena. Section 604 ( a ) ( 1 ) As instructed by the consumer in writing. Section 604 ( a ) ( 2 ) For the extension of credit as a result of an application from a consumer, or the review or collection of a consumers account. Section 601 ( a ) ( 3 ) ( A ) For employment purposes, including hiring and promotion decisions, where the consumer has given written permission. Sections 604 ( a ) ( 3 ) ( B ) and 604 ( b ) For the underwriting of insurance as a result of an application from a consumer. Section 604 ( a ) ( 3 ) ( C ) When there is a legitimate business need, in connection with a business transaction that is initiated by the consumer. Section 604 ( a ) ( 3 ) ( F ) ( i ) To review a consumers account to determine whether the consumer continues to meet the terms of the account.Section 604 ( a ) ( 3 ) ( F ) ( ii ) To determine a consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status. Section 604 ( a ) ( 3 ) ( D ) For use by a potential investor or services, or current insurer, in a valuation or assessment of the credit or prepayment risks associated with an existing credit obligation. Section 604 ( a ) ( 3 ) ( E )

Company response to consumer: Closed with explanation