Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
It has come to my attention that XXXX XXXX XXXX XXXX HAS GIVEN PERMISSION TO EARLY WARNING SERVICES TO REPORT MY INFORMATION. EARLY WARNING SERVICE STATED THEY RECEIVED AUTHORIZATION FROM XXXX XXXX TO REPORT MY INFORMATION WITHOUT CONSIDERATION FOR ME. Is this true XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX has a responsibility on how my information is furnished under 15 usc 1681s-2.

IT IS ILLEGAL TO REPORT TRANSACTION HISTORY OF ANY KIND AND GOES AGAINST MY RIGHT TO PRIVACY PER THE PRIVACY ACT OF XXXX CODIFIED AS 5 USC 552 ( A ). XXXX XXXX XXXX XXXX TERMS AND CONDITIONS STATE THEY WILL NOT SHARE MY INFORMATION TO NON-AFFILIATES SINCE EARLY WARNING SERVICES LLC IS NOT AN AFFILIATE OF XXXX XXXX THE FACT THAT THEY HAVE MY PERSONAL NON PUBLIC PRIVATE INFORMATION MEANS XXXX XXXX IS VIOLATING THEIR AGREEMENT TO ME WHICH WE BOTH CONSENTED TOO. 

EARLY WARNING SERVICES LLC HAS BEEN ILLEGALLY PROVIDING HISTORY OF MY TRANSACTIONS TO ALL THAT REQUEST THEIR REPORT WITHOUT MY CONSENT OR KNOWLEDGE. ALSO VIOLATING MY RIGHT TO OPT - OUT STATING I CAN NOT BECAUSE OF XXXX XXXX. I HAVE A RIGHT TO PRIVACY AND PROPER DISCLOSURE OF THIS FACT AND HAVE YET TO RECEIVE THIS DISCLOSURE NOR THE ABILITY TO OPT-OUT. THIS GOES AGAINST 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Once again they must give you an opt out notice for anything that is to be added to your consumer report. 

And I am requesting and putting the CFPB on notice to enforce this Pursuant : 15 U.S. Code 6805 - Enforcement ( a ) In general - Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, I have the right to opt out of anything on my report at any time and the companies must comply as soon as reasonably practicable after receiving this notice. You have given me unreasonable means to opt out! 


EARLY WARNING SERVICES IS VIOLATING 15 USC 1681 ( B ) UNDER PERMISSIBLE PURPOSES WHICH STATES THEY MUST HAVE MY WRITTEN CONSENT TO PROVIDE THIS INFORMATION, A COURT ORDER OR REASON TO BELIEVE ITS IN CONNECTION WITH A CONSUMER CREDIT TRANSACTION. SINCE I HAVE NEVER DONE BUSINESS WITH THIS COMPANY NOR HAS IT BEEN DISCLOSED TO ME UNDER PERMISSIBLE PURPOSES THAT THE FINANCIAL INSTITUTIONS I DO BUSINESS WITH HAVE THE LEGAL CAPACITY TO SHARE MY INFORMATION WITH NON AFFILIATES I CAN ONLY CONCLUDE MY INFORMATION WAS SOLD ILLEGALLY TOO THEM. BECAUSE XXXX XXXX AGREED IN WRITING NOT TO DISCLOSE MY INFORMATION TO NON-AFFILIATES THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT AND DOES NOT FALL UNDER PERMISSIBLE PURPOSES. EARLY WARNING SERVICES HAS BEEN PROVIDING MY INFORMATION WITHOUT MY CONSENT TO DIFFERENT FINANCIAL INSTITUTIONS WHICH HAS RESULTED IN ME BEING DENIED THE ABILITY TO BANK WITH CERTAIN FINANCIAL INSTITUTIONS AND SAID FINANCIAL INSTUTIONS DENYING ME THE RIGHT TO CREDIT AND KEEPING MY SECURITIES. THIS GOES AGAINST MY CONSUMER PROTECTED RIGHTS. I AM PUTTING XXXX XXXX XXXX XXXX ON NOTICE THAT I AM ONCE AGAIN OPTING OUT OF ALL CONSUMER CREDIT REPORTS AND THE REPORTING OF ANY INFORMATION PERTAINING TO ME. I AM REVOKING ANY CONSENT I MAY OR MAY NOT HAVE GIVEN YOU. WHETHER VERBAL, NON VERBAL, WRITTEN OR NON WRITTEN EFFECTIVE IMMEDIATELY AND FOREVER MORE. I AM OPEN TO RECTIFYING THIS MATTER WITH THE IMMEDIATE REMOVE OF REPORTING MY INFORMATION TO EARLY WARNING SERVICES AND AN UPDATE TO THE XXXX MAJOR CREDIT REPORTING AGENCIES OF ANY AND ALL LATE PAYMENTS AS PAID ON TIME AND NEVER LATE AND ADVERSE INFORMATION BEING REPORTED INCLUDING UTILIZATION, TRANSACTION HISTORY ETC. I AM WILLING TO RECTIFY THIS MATTER WITH MONETARY RELIEF AND REMEDY. AND GIVE XXXX XXXX XXXX XXXX PERMISSION TO CONTACT ME ABOUT SAID MONETARY RELIEF AND REMEDY. IF I EVER SEE MY INFORMATION BEING REPORTED BY ANOTHER NON AFFILIATE I WILL BE FILING FORM TO AUDIT ALL CONSUMER ACCOUNTS AND TAKING LEGAL ACTION TO ENFORCE AND PROTECT MY RIGHTS. AS WELL AS FILING MANDATORY ARBITRATION. 


Here are some more laws for your records so we may not have to visit this matter again : 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; If you can prove they wilfully violated the act you are entitled to at least XXXX $ per violation plus any other damages you have sustained as a result of their failure to follow the law. If you have to file more than XXXX complaint, wilful noncompliance can easily be proven as they had a full understanding of the violations after you complained the XXXX time. 

Every company in their agreements with consumers said they would follow the law and agreed to do so.They are aware that they are breaking the law. 
15 U.S. Code 1681o - Civil liability for negligent noncompliance In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure Negligent noncompliance means the law was violated not on purpose but just due to a lack of knowledge on the required reporting process 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation

Company response to consumer: Closed with explanation