Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, IA XXXX Re : Complaint Against XXXX and Early Warning Services for FCRA, CFPA, and UCC Violations Fraudulent Account # XXXX ; FTC Identity Theft Report # XXXX ; Demand for Re-Block/Deletion and Penalties Dear CFPB, I am filing this enhanced formal complaint against XXXX ( furnisher ) and Early Warning Services ( CRA ) for multiple violations of the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Act ( CFPA ), and Uniform Commercial Code ( UCC ) in handling my identity theft dispute. Their unreasonable denial and rescission have caused substantial harm, including denied banking access, higher fees, emotional distress, and wasted time. Despite my FTC Identity Theft Report # XXXX, ID proofs, and detailed explanation, XXXX denied the claim ( letter dated XX/XX/XXXX, Claim No. XXXX ), and Early Warning rescinded the initial block ( letters dated XX/XX/XXXX, Case ID XXXX ), reinserting the fraudulent XXXX account # XXXX. 
Detailed Summary of Issue : This account was fraudulently opened in XX/XX/XXXX using stolen personal information. I discovered it in XX/XX/XXXXXXXX  via credit review. Early Warning blocked it on XX/XX/XXXX but rescinded on XX/XX/XXXX, citing XXXXXXXX XXXX " verification '' of accuracy. XXXXXXXX XXXX denial reasons are baseless and ignore evidence : Statements sent to address : In XXXX XXXX, my building 's mailboxes experienced delivery issues, so I never received statements. 
Matching application info : Thieves used stolen XXXX failed to verify properly ( no in-person or biometric checks ). 
Alleged active use : I never deposited/transacted ; any activity was fraudulent. XXXX provided no logs to prove otherwise. 

This pattern aligns with CFPB 's scrutiny of XXXX ( e.g., XXXX order for unfair debt practices, $ XXXX in penalties/redress ) and Early Warning ( XXXX XXXX  lawsuit for fraud detection failures under CFPA ). 
Specific Violations : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Early Warning rescinded without valid certification from XXXX that the block was erroneous or contained misrepresentations. XXXX violated by re-reporting without reasonable belief in accuracy. 
FCRA 623 ( a ) ( 6 ) ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) : XXXX ignored identity theft indicators, failing to cease reporting. UCC 3-406 shifts liability to XXXX for negligent verification contributing to fraud. 
FCRA 611 ( a ) ( 1 ) ( 15 U.S.C. 1681i ( a ) ( 1 ) ) : Investigation was unreasonabledismissed mail delivery issues and FTC report without substantiation.

CFPA 1031 & 1036 ( 12 U.S.C. 5531, 5536 ) : Abusive acts exploiting my vulnerability ( mail problems ) ; unfair by causing avoidable harm. Enforceable with daily penalties up to $ XXXX. 
UCC 4-406 : No duty to report applies, as no legitimate relationship existed.

I request the CFPB : Investigate and mandate immediate re-block/permanent deletion of the account. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation