Consumer complaint received 2025-07-03 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: NJ

Complaint narrative:
-- - Subject : Formal Complaint FCRA Violations by Early Warning Services, XXXX XXXX, and XXXX XXXX ( Reinsertion Without Notice, Identity Theft Mishandling, Failure to Provide Proof, FCRA 611 Violations ) Dear Consumer Financial Protection Bureau, I am filing this complaint to report serious and repeated violations of the Fair Credit Reporting Act ( FCRA ) by the following parties : Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX This complaint concerns the unauthorized reinsertion of fraudulent accounts into my consumer file without legally required notice, as well as the failure to follow due process under FCRA 611 ( 15 U.S.C. 1681i ), 1681c-2, and related procedural safeguards. 


-- - Accounts in Dispute : XXXX XXXX XXXX Account # XXXX XXXX XXXX  Checking Account # XXXX XXXX XXXX  Checking Account # XXXX XXXX XXXX Account # XXXX -- - 1. Violation of FCRA 611 ( 15 U.S.C. 1681i ) Reinvestigation Procedures Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ), if a previously deleted item is reinserted into a consumer file, the consumer reporting agency must provide : Written notice to the consumer within five ( 5 ) business days, The name, address, and telephone number of the furnisher, A statement of the consumers right to add a consumer statement of dispute. 


Early Warning Services failed to send me any written notice following reinsertion of these accounts. This is a clear violation of FCRA XXXX. 


-- - 2. Failure to Block Identity Theft Accounts FCRA 1681c-2 These accounts were fraudulently opened without my consent. I am a victim of identity theft and a known victim of the Equifax data breach, which exposed my sensitive information. I submitted documentation of this to Early Warning, yet they have refused to block or suppress the fraudulent accounts, as required under : > FCRA 1681c-2 ( Blocking of information resulting from identity theft ) A consumer reporting agency must block information in a consumers file that is the result of identity theft within four ( 4 ) business days of receiving proper documentation.

-- - 3. Certification of Accuracy FCRA 1681i ( a ) ( 5 ) ( B ) ( i ) When a previously deleted item is reinserted, the furnisher must certify its accuracy to the consumer reporting agency. There is no record that either XXXX XXXX or XXXX XXXX submitted a proper certification of accuracy, nor has Early Warning produced any documentation validating the legitimacy of these reinsertions. 


-- - 4. Furnishers Have Not Provided Evidence of Account Ownership Under FCRA dispute rules, it is not enough for furnishers to simply verify an account. They must produce documented evidence proving the consumer authorized the account. I have requested the following and received nothing : Signed account applications Copies of the ID used IP address logs Geolocation or timestamp data proving account creation Document trail showing I personally opened the accounts Neither XXXX XXXX  nor XXXX XXXX has provided such documentation. Re-reporting without evidence is a negligent and willful violation of the FCRA. 


-- - XXXX. Right to Submit Additional Information FCRA 611 ( b ) Under 15 U.S.C. 1681i ( b ), I have the right to submit a consumer statement explaining the dispute, and that statement must be included in future reports. Early Warning has failed to honor this right and has not provided the option to append my statement. 


-- - Requested CFPB Action : I respectfully request the CFPB investigate and enforce the following : XXXX. Require Early Warning Services to permanently delete and block all four ( 4 ) fraudulent accounts. 


XXXX. Require XXXX XXXX and XXXX XXXX to either provide documented proof of account origination or retract their reporting entirely. 


XXXX. Penalize Early Warning for failure to notify me of reinsertion and failure to comply with the certification of accuracy requirement. 


XXXX. Ensure my right to submit a consumer statement is enforced. 


XXXX. Investigate whether these violations were willful under FCRA 1681n, entitling me to statutory and punitive damages. 



I am suffering significant financial harm, reputational damage, and emotional distress due to this failure to comply with federal law. I am requesting immediate relief and follow-up.

Company response to consumer: Closed with explanation