Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
Subject : XXXX Failure to Provide Proof of Verification, Unlawful Re-Reporting of Disputed Items, and Non-Compliance with FCRA Summary of the Issue I am filing this formal response to XXXX inadequate handling of my dispute. Despite my submission of FTC Identity Theft Affidavit, Police Report, Social Security Card, Government ID, and Proof of Address, XXXX continues to report fraudulent and inaccurate information without valid proof of verification. 
Additionally, XXXX has engaged in deceptive practices, including : * Failure to provide documentary proof from original creditors verifying alleged debts. 
* Unlawful re-reporting of disputed items, which is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ). 
* Ignoring my identity theft claim and refusing to block fraudulent accounts in violation of FCRA 605B. 
* Using third-party databases rather than verifying with original creditors, violating FCRA 1681e ( b ). 

XXXX Violations of the Fair Credit Reporting Act ( FCRA ) 1. Failure to Properly Verify Information FCRA 611 ( a ) * XXXX claims that XXXX XXXX XXXX was " verified '' but provided no evidence to support this claim. 
* XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ) states that credit bureaus can not solely rely on furnishersthey must independently verify the accuracy of the information. 
* Request : XXXX must provide the original signed contract, billing statements, and specific proof of verification from XXXX XXXX XXXX. If they fail to provide documentation, the account must be deleted immediately per FCRA 611 ( a ) ( 5 ) ( A ). 
2. Failure to Block Fraudulent Information FCRA 605B * I submitted an FTC Identity Theft Affidavit and Police Report, which legally requires XXXX to block fraudulent items within four ( 4 ) business days. 
* Despite my documentation, XXXX refuses to block the following fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Request : XXXX must immediately block all fraudulent accounts and inquiries under FCRA 605B. 
3. Unlawful Reinsertion of Disputed Accounts FCRA 611 ( a ) ( 5 ) ( B ) * XXXX has previously removed certain accounts, yet reinserted them without proper certification. 
* FCRA 611 ( a ) ( 5 ) ( B ) requires that if an item is reinserted, XXXX must : * Notify me in writing within 5 business days. 
* Certify the items accuracy with documented proof. 
* XXXX XXXX : XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX ( XXXX XXXX XXXX ) ruled that failure to notify consumers of reinsertion violates the FCRA and subjects CRAs to legal liability. 
* Request : CFPB should investigate XXXX unlawful re-reporting practices and issue fines for noncompliance. 
4. Deceptive Investigation Practices FCRA 1681e ( b ) * XXXX has relied on third-party databases instead of obtaining original records from furnishers. 
* XXXX XXXX : XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ) ruled that relying on unreliable third-party databases violates FCRAs accuracy standards. 
* Request : XXXX must disclose whether it used a third-party vendor ( e.g., XXXX ) instead of direct verification with the original creditor. 

Requested Relief from the CFPB 1. Immediate Deletion of All Unverified Accounts * XXXX XXXX XXXX and XXXX XXXX XXXX must be deleted unless XXXX can provide signed agreements, billing records, and proof of direct verification. 
2. Full Compliance with FCRA 605B Fraudulent Information Must Be Blocked * I demand that XXXX immediately block all fraudulent items, as required under FCRA 605B. 
3. Monetary Compensation for XXXX Willful Noncompliance * Under FCRA 616 and 617, I request monetary relief for : * Emotional distress, financial harm, and damage to my creditworthiness. 
* Equifaxs repeated failures to comply with federal law. 
4. CFPB Enforcement Action Against XXXX * The CFPB should open an enforcement investigation into Equifaxs deceptive practices and impose financial penalties for violations of consumer protection laws. 
5. Require XXXX to Disclose Method of Verification ( MOV ) * CFPB should require XXXX to produce : * All documentation obtained from the furnisher ( s ). 
* Contact information for the specific person ( s ) who verified the accounts. 

Supporting Documentation Attached : * FTC Identity Theft Report * Police Report * Government-issued ID ( Drivers License, Social Security Card, Utility Bill ) * Previous XXXX Reports Showing Deleted Accounts Being Reinserted * Equifaxs CFPB Response Stating Items Were Verified Without Proof This is a formal request for immediate CFPB intervention due to Equifaxs ongoing violations. I expect prompt action to correct these violations, and if necessary, I am prepared to escalate this matter through legal channels. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation