Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
To Whom It May Concern : I am writing to formally challenge your recent rejection of my disputes ( Case IDs XXXX, XXXX, XXXX ) where you deemed them " frivolous '' for failing to offer new information. I reject your determination. My previous dispute submissions provided all relevant facts necessary to initiate a reasonable reinvestigation, a requirement you have failed to satisfy.

This correspondence constitutes a new, legally compliant dispute and a demand for an independent, reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

I. New Information and Demand for Reinvestigation ( 15 U.S.C. 1681i ) To overcome your claim of " no new information, '' I have attached new documentation ( See Enclosure [ A ] ) that specifically rebuts the accuracy of the records. The continued reporting of this inaccurate information violates my rights.

You stated that you " do not have access to account documentation. '' However, as a Consumer Reporting Agency, you have an independent duty under 15 U.S.C. 1681e ( b ) to follow reasonable procedures to assure maximum possible accuracy. Merely forwarding a dispute to the furnisher and accepting a coded response is not a reasonable reinvestigation. You must verify the accuracy of the underlying facts, not just the data format.

DEMAND FOR NEW INVESTIGATOR : I request that a Supervisor or a newly assigned Compliance Officer conduct this reinvestigation to eliminate any procedural bias resulting from the previous determination of " frivolous '' disputes.

II. Demand for Deletion and Method of Verification ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) & 1681i ( a ) ( 6 ) ( B ) ( iii ) ) Deletion Requirement : If, after a reasonable reinvestigation, the accuracy of the disputed items can not be verified with verifiable evidence within 30 days, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) requires that the item be promptly deleted from my file. I demand the immediate deletion of the reports associated with Case IDs 812176, 812179, and 812183.

Method of Verification ( MOV ) : If you claim the information is verified, you are statutorily required to provide me with a description of the procedure used to determine the accuracy and completeness of the information, including : The identity ( name and title ) of the specific individual at the Furnisher who physically reviewed the account documents.

Copies of the specific account-opening documents, deposit slips, or internal investigation logs reviewed during the verification process.

III. Formal Rebuttal Statement ( 15 U.S.C. 1681i ( b ) ) Per your own policy and 15 U.S.C. 1681i ( b ), I hereby demand that the following brief statement be appended to my consumer report file and provided to any subsequent user of the report : " Consumer Rebuttal : I formally dispute the accuracy and validity of the information reported by XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. Early Warning Services has failed to conduct a reasonable investigation and relies solely on the Furnishers unverified word. These items are inaccurate and are actively being disputed as violations of my rights under the Fair Credit Reporting Act. '' Please be advised that failure to conduct a reasonable reinvestigation and comply with the mandatory deletion requirements of the FCRA may result in legal action, including seeking injunctive relief and statutory damages.

I expect a corrected copy of my consumer report showing the deletion of these inaccurate entries within 15 days of the conclusion of your reinvestigation. 

Sincerely, ( XXXX XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation