Consumer complaint received 2024-12-16 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:
XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX MY ACCOUNT WAS VERIFIED AS ACCURATE WHEN IN FACT IT IS NOT ACCURATE To Whom It May Concern, I am writing in regards to the recent validation of the XXXX XXXX XXXX XXXX XXXX XXXX  account and any other items I disputed on my file. I want to bring to your attention that these accounts were verified as accurate when, in reality, I know for a fact that it is not true. It is essential that all consumer agency reports are 100 % accurate, and I find it absurd that this company has validated these accounts that are opened without my consent and knowledge, including the unauthorized activity on accounts that I informed your agency about without providing any proof. The specific items that have been newly validated on my file are accounts I've never opened and transactions I don't recognize on specified accounts ( refer to documents from previous dispute ). This information is inaccurate, fraudulent, and wasn't authorized by my authority, and it has been validated as accurate when in fact I know you have not done the necessary diligence. 


I can provide documentation for the previous dispute that I submitted. Additionally, I would like to know what evidence your representatives used to verify this account, as I do not believe they can validate it correctly. Please answer the following questions to shed light on your investigation process : What certified documents were reviewed during your investigation? 


Kindly provide a complete copy of all information transmitted to the data furnisher as part of the investigation. 


What were the costs incurred by your company to obtain the necessary documents for the investigation? 


Please provide proof of the timely procurement of the certified documents. 


Did your representatives directly contact any agents of the company reporting the information to confirm its accuracy? 


If yes, please provide the following details : a. Name of the person contacted b. Date of the conversation c. Duration of the conversation d. Their position within the company e. Telephone number used for the communication f. Name and position of the employee of your company who spoke to the above party g. How long has that employee been employed by your company? h. What formal training was provided to this employee to investigate items of this kind? i. Was there any email or written communication between your company and the above party? If so, please provide copies of all correspondence. 
This fraudulent debt has significantly impacted my banking relationships and is hurting my ability to do business with banks I have yet to personally open an account with. However, I as a consumer brought it to your companys attention that there's unauthorized fraudulent accounts on my file that I don't recognize but your company and the furnishers are stating it's verified just because my personal information is attached to it, this is extremely absurd. For whosoever verified this negative information solely based on that is wrong for identity theft is defined as the fraudulent acquisition and use of a PERSON 'S PRIVATE INFORMATION usually for financial gain. I'm informing early warning services, a consumer agency I didn't even know existed otherwise this would of been brought to my attention much sooner of such activity taking place with my information and would of been immediately handled, that the negative items disputed are accounts I don't recognize and did not open and accounts that have fraudulent transaction I did not authorize or aware that took place. 

In addition, after taking the time to understand this agency and people in the same financial crisis where their information was misused, 15 USC 1681 ( d ) specifies that any " person, '' including corporations like Early Warning Services, may not procure a consumer report on any consumer unless it is clearly disclosed to the consumer that an investigative consumer report may be made. This disclosure must be in writing or mailed to the consumer no later than three days after the date on which the report was requested ( inquiry date or first transaction date ). I, as a consumer, did not receive any written disclosure from Early Warning Services regarding the creation of a consumer report detailing my banking history, transactions, account overdraft status, and overall banking record. If so, consumers in my situation would be aware of what's going on behind the scenes, just like the three credit bureaus. Consumers are able to track and keep up to date with their credit information which is why I've been able to catch inaccurate information on my credit reports and have the ability to freeze my information which is amazing, I wish your agency would do the same. To validate the legitimacy of your claim that I provided written authorization for the creation of such a report and it was clearly disclosed to me as a consumer, I request that you provide a certified mail tracking number and a return receipt showing my name and address as the recipient. 

In light of the inaccurate verification of these negative items, the validation of my written authorization and it being disclosed to me as a consumer for creation of such a report, I demand that these disputed items be removed from my file as it's hurting my ability to partner with banks as a consumer. Failing to do so, I will have no choice but to take legal action to rectify this matter. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXXXXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged documentation or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act I look forward to your prompt response and the swift resolution of this dispute. Please acknowledge receipt of this letter and provide a written confirmation of the actions taken to address this issue. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation