Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
PUBLIC THIS IS A PUBLIC COMMUNICATION TO ALL Notice to agent is notice to principal Notice to principal is notice to agent Applications to all successors and assigns All are without excuse Common Law Private American Civilian National Without prejudice XXXX XXXX XXXX ALL inalienable and fundamental rights reserved non waived. XXXX XXXX XXXX, Authorized Representative/Attorney-In-Fact for : XXXX XXXX I, XXXX XXXX XXXX requested debt validation via certified mail on XX/XX/XXXX. XXXX to : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX South Carolina XXXX XXXX. I have proof that this letter was received by XXXX XXXX XXXX et. al. on XX/XX/XXXX ( see attached hereto ). In this letter, I gave XXXX days notice for XXXX XXXX XXXX et. al. to respond and provide me with the information that I requested. Additionally, I requested that XXXX XXXX XXXX et. al. cease all debt collection efforts until they were able to provide me with the information I requested in writing. I requested that XXXX XXXXXXXX XXXX et. al. cease the reporting of unverified, invalidated inaccuracies, pursuant to the XXXX XXXXXXXX XXXX XXXX  XXXX ( FDCPA ). XXXX XXXX XXXX et. al. continues to ignore my requests, and XXXX XXXX XXXX et. al. has failed to provide me with the validated debt they claim I owe them. I received a letter dated XX/XX/XXXX from a representative of XXXX XXXX XXXX that gave very little information regarding this alleged account. This letter states, XXXX regulations require us to provide notice to customers within XXXX days after furnishing negative information to a XXXX XXXX XXXX. Therefore, this letter will serve as notice to you that we have closed and reported an unpaid overdraft on your account to Early Warnings Services, LLC. This information may be reflected in your credit report. ( see attached hereto ). This letter provided no further information on this alleged account or this alleged overdraft they speak of. Other than this very vague and threatening letter, I have received XXXX correspondence from XXXX XXXXXXXX XXXX et. al. in writing as I have requested. Therefore, I am now submitting this complaint to the CFPB in hopes of a resolution. TO ALL PARTIES AND THEIR ATTORNEYS OF RECORD : PLEASE TAKE NOTICE THAT XXXX XXXX XXXX. al, gives notice, THIS IS A PUBLIC COMMUNICATION TO ALL ; Notice to agent is Notice to principles ; Notice to principles is Notice to assigns ; Applications to all successors and assigns ; All are without excuse It is not now, nor has it ever been XXXX XXXX et als intention to avoid paying any obligation that is legally and lawfully owed. THEREFORE, XXXX XXXX et al hereby gives notice, as XXXX XXXX et al, has always given notice, in order that XXXX XXXX et al can make arrangements to pay an obligation which XXXX XXXX et al may owe, obligatory lawfully legal documentation that has been lawfully and legally verified and validated the claimed allegeddebtmust be done so by complying in good faith with request for validation, and notice that XXXX XXXX et al does dispute part of, or ALL of the XXXX XXXXXXXX XXXX et. al. non verified nor validated claimed alleged debt. THEREFORE, XXXX XXXX et al, hereby memorializes this notice for the record on the public record to be made part of the record, and does put XXXX XXXXXXXX XXXX  et. al. on notice, due to continual demands to produce legally lawful evidence with proper jurisdictionally substantive supporting statutes and case laws that support each and every claimed allegations made by XXXX XXXX XXXX et. al. XXXX. XXXX XXXXXXXX XXXX  et. al. are hereby demanded to furnish a copy of the original promissory note redacting alleged social security number to prevent identify theft and state under penalty of perjury under oath, that they are the account holder in due course of the promissory note and will produce the original for XXXX XXXX et als own, and a judges inspection should there be a trial to contest these matters. XXXX. XXXX XXXX XXXX et. al. is hereby demanded to produce the account and general ledger statement showing the full accounting of the alleged obligation that they are now attempting to collect by authority of XXXX XXXX Presentment, which has continually failed to be produced on the public record for the public record to be made part of the record. XXXX. XXXX XXXX XXXX et. al. is hereby demanded to identify by name and address all persons, corporations, associations, or any other parties, but not limited to, having an interest in legal proceedings regarding the alleged debt, but not limited to. As records show, XXXX XXXX et al gave ample notice stating XXXX XXXX et al was exercising XXXX XXXX 's rights under authority of : FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) which provides that a consumer may request a description of the procedure used to determine the accuracy an completeness of the information to be provided to the consumer by the agency, including the business name and address of ANY and ALL furnishers of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' In accordance, XXXX XXXX XXXX  et. al. are to provide XXXX XXXX with the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each and ALL person ( XXXX ) contacted regarding alleged account, and amount owed. A copy of ANY documents provided bearing XXXX XXXX wet ink signature, showing that XXXX XXXX has a legally binding contractual obligation to pay XXXX XXXXXXXX XXXX et. al. Verification of valid basis for claiming XXXX XXXX is required to pay the alleged claimed current amount owed. Details about the age and amount of the debt including a copy of the last True Bill from the original creditor. A detailed explanation of ANY interest added or payments made since the last TRUE BILL and the legal authorization for this interest. The date the original creditor claims the alleged debt became delinquent. Unlike a statement, or invoice that show what was owed, and has already been paid, that is also affirmed by the South Carolina XXXX XXXX XXXX XXXX, and the XXXX ( XXXX XXXX XXXX ), a TRUE BILL shows what is owed, and has not been paid. Whether this debt is within the XXXX ( XXXX Of Limitations ), and precisely how that was determined. Details about XXXX XXXX XXXX et. al. authority to collect the alleged debt : whether XXXX XXXX XXXX et. al. are licensed in the state of residence, and if so provide the date of license, name on the license, and the license number, and the name, addresses, and telephone number of the state agency issuing the license. If XXXX XXXXXXXX XXXX et. al. are contacting XXXX XXXX from of the state, provide the licensing information from XXXX XXXX et. al. state as well. NOTICE WAS, AND IS STILL GIVEN, ANY AUTOMATED RESPONSE OR E-OSCAR VERIFICATION IS UNACCEPTABLE Due to no responses from XXXX XXXX XXXX et. al. XXXX XXXX gives notice that : XXXX XXXXXXXX XXXX  et. al. engaged in, and continue to engage in : negligence and harassment against XXXX XXXX by unlawfully and illegally harassing XXXX XXXX via mail that is threatening in nature. These harassment and manipulation tactics are causing XXXX XXXX ongoing harm, and ongoing intentional infliction of stress and emotional damages, that is also causing XXXX XXXX relentless ongoing damages and harm. FURTHERMORE, XXXX XXXXXXXX XXXX et. al. have refused to provide CORPORATE GOVERNMENT EMPLOYEE QUESTIONNAIRE FORM This questionnaire form is lawfully legally obligatory to return as it is enacted by the XXXX and the XXXX XXXXXXXX XXXX of the United States of America by XXXX assembled, that is cited by THE PRIVACY ACT OF XXXX ( As Amended ) Public Law XXXX, as codified at XXXX XXXX. XXXX. As records show, XXXX XXXXXXXX XXXX et. al. are in fact corporate government employees, and are therefore legally and lawfully obligated to return a fully compliant XXXX XXXX  XXXX XXXX XXXX. I give notice I do not know the law. I give notice that the foregoing is true and correct to the best of my knowledge. Common Law Private American Civilian National Without prejudice XXXX XXXX XXXX ALL inalienable and fundamental rights reserved non waived. XXXX XXXX XXXX XXXX XXXX, Authorized Representative/Attorney-In-Fact for : XXXX XXXX Subscribed To And Sworn To Before XXXX [ XXXX XXXX ] this XXXX day of XX/XX/XXXX Acknowledgement By Publication Notice to agent is notice to principal : Notice to principal is notice to agent :

Company response to consumer: Closed with explanation