Consumer complaint received 2025-12-26 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:
NOTICE OF APPEAL & DEMAND FOR XXXX XXXX XXXXXXXX REINVESTIGATION Date : XX/XX/year> From : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Consumer ID : XXXX To : Early Warning Services Attn : XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX, AZ XXXX RE : FORMAL APPEAL & DEMAND FOR REMOVAL OF UNVERIFIED DATA Dispute Case IDs : XXXX, XXXX, XXXX, XXXX, XXXX Furnisher : XXXX XXXX XXXX XXXX To the Compliance Department : I am writing to formally appeal your decisions to classify my recent disputes as " frivolous '' and your refusal to conduct a meaningful reinvestigation. I am demanding a full, de novo reinvestigation of all accounts associated with the Case IDs listed above. I further demand that a new investigator be assigned to this file, as the previous handling of my cases has been biased and legally insufficient. 

XXXX. CHALLENGE TO " FRIVOLOUS '' AND " LACK OF INFO '' CLAIMS In your correspondence dated XX/XX/year>, you claimed my disputes offered " no new information. '' This is a willful violation of the Fair Credit Reporting Act ( FCRA ). 

You have acknowledged receipt of multiple disputes ( e.g., XX/XX/year>, XX/XX/year>, XX/XX/year>, etc. ). 

You already possess the account numbers and documents I provided in those months. 

I am instructing you to use the information already in your possession to open these disputes immediately. Do not use the lack of account numbers as a stall tactic when you have already listed my previous dispute dates in your own letters. 

XXXX. LEGAL ADMISSION : INABILITY TO VERIFY In your " Procedures '' letters for Case IDs XXXX and XXXX, you explicitly stated : " XXXX XXXX  does not have access to account documentation that resides within your Financial Institution. Therefore, we are unable to provide copies of documents that your Financial Institution maintains. '' Under 15 U.S.C. 1681i ( a ) ( 1 ), you are required to conduct a reasonable reinvestigation. By your own admission, you have no access to the original contracts, signatures, or bank records for these XXXX XXXX accounts. If you do not have the records, you can not verify the accuracy of the data independent of the furnisher 's hearsay. Therefore, the information is unverifiable. 

XXXX. DEMAND FOR DELETION ( 15 U.S.C. 1681i ( a ) ( 5 ) ) The FCRA mandates that if an item can not be verified, it must be promptly deleted. Since you have admitted in writing that you lack the records to verify these accounts, I demand their immediate removal from my report. 

XXXX. MANDATORY REBUTTAL STATEMENT If you refuse to delete these inaccurate and unverified items, you are legally required under 15 U.S.C. 1681i ( b ) to add the following statement to my consumer file : CONSUMER REBUTTAL : " I dispute all XXXX XXXX and related accounts listed in Case XXXX XXXX, XXXX, XXXX, XXXX, and XXXX. Early Warning Services has admitted in writing that they do not have access to the account-level documentation required to verify these debts. As the agency can not provide physical proof of the accounts ' validity, I deny all liability and demand removal for lack of verification. '' 5. REQUEST FOR METHOD OF VERIFICATION ( MOV ) Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), provide the name, business address, and telephone number of the specific individual at XXXX XXXX who " verified '' this information, and describe the specific documents they supposedly used, since you have admitted you do not have access to them. 

CONCLUSION Failure to comply with these federal mandates will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action for willful non-compliance with the FCRA. 

Sincerely, XXXX XXXXXXXX XXXX XXXX ID : XXXX

Company response to consumer: Closed with explanation