Consumer complaint received 2025-12-01 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: IL

Complaint narrative:
Formal Dispute of Inaccurate Information Under FCRA Identity Theft To Whom It May Concern, I am writing to formally dispute inaccurate information that Early Warning Services ( XXXX  ) has reported about me. I am a victim of identity theft, and the negative information appearing on my XXXX  XXXX  consumer report is not mine and was caused by a fraudulent individual. 

In XXXX, I disputed a fraudulent XXXX XXXX XXXX account that appeared on my Early Warning Report. The report showed that the person who opened the account used a Texas drivers license, but at that time I had an XXXX  drivers license, proving it could not have been me. I provided a police report and documentation showing that the account was opened by an identity thief, not me. 



After my dispute in XXXXXXXX XXXX XXXX XXXXXXXX removed the fraudulent information from my report. However, I recently discovered that XXXX  XXXX reinserted the same inaccurate XXXX XXXX XXXX information without notifying me or completing a reinvestigation as required by law. As a result, I was denied for a XXXX XXXX  account and informed that the denial was due to XXXX  XXXX  reporting. 



The reinsertion of deleted information without proper notice is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) A consumer reporting agency may not reinsert previously deleted information unless the furnisher certifies its accuracy AND the consumer is notified in writing within XXXX business days. 



I was never notified, and XXXX XXXX XXXXXXXX did not conduct a proper reinvestigation before this information was added back. XXXX XXXX  also failed to provide me with any documentation showing certification or proof that the information was verified. 



This inaccurate reinsertion has caused me direct harm, including account denials and difficulty building new banking relationships. 



I am requesting the following : Immediate deletion of the XXXX XXXX XXXX information that was previously removed. 

A full reinvestigation, including verification from XXXX XXXX XXXX 

A copy of all documents XXXX  used to verify this information. 

Written confirmation that the inaccurate information has been permanently removed from my consumer file. 



Please consider this letter a formal dispute under the Fair Credit Reporting Act. If this matter is not corrected promptly, I will pursue further action through the CFPB and consider additional legal remedies. 





Furthermore, although XXXX XXXX XXXX states in the attached correspondence that they do not have access to account documentation and can not provide copies of any records, XXXX XXXX previously provided me with a signature form allegedly from XXXX XXXX XXXXXXXX. I have documentation proving that XXXX XXXX supplied this form to me. The signature on that document is not my signature, and I am formally disputing it as fraudulent and inaccurate. This inconsistencyclaiming they can not access account documents while providing me with a signature XXXX  procedural errors in their reporting process. I am requesting that this inaccurate and unverified information be immediately removed from my consumer report in compliance with the Fair Credit Reporting Act ( FCRA ). 




Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation