Consumer complaint received 2025-12-05 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:
Formal Appeal and Demand for Deletion ( FCRA Mandate ) XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Email : XXXX XX/XX/year> Early Warning Services Consumer Services Compliance Department XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone XXXX Subject : FORMAL DISPUTE, APPEAL, AND DEMAND FOR DELETION PURSUANT TO 15 U.S.C. 1681i Dispute Case ID XXXX Dear Early Warning Consumer Services Team, I am writing to formally Appeal the results of your completed reinvestigation, received on XX/XX/year>. The reinvestigation determined that the disputed information contained in my consumer file is accurate and complete. This determination is flawed, and I demand immediate compliance with the Fair Credit Reporting Act ( FCRA ). 

The information furnished by XXXXXXXX XXXX  regarding the reported account closure/loss is factually inaccurate, incomplete, and violates the requirement of maximum possible accuracy under 15 U.S.C. 1681e ( b ). 

My identifying information for this dispute is : Consumer ID : XXXX Dispute Case ID : XXXX Bank Name ( Furnisher ) : XXXX Date of Inquiry : XX/XX/year> I. Demand for Review, Re-investigation, and Correction Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a consumer reporting agency to conduct a reasonable re-investigation to determine whether the disputed information is inaccurate, I formally demand a new, complete, and thorough re-investigation of this matter. 

The specific inaccuracies are detailed in th

e Rebuttal Statement below, and the original investigation failed to adequately verify these facts. Re-investigation by New Personnel : I request that a new, senior compliance official or investigator be assigned to handle this second review to ensure the impartiality and integrity of the process. Compliance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If the re-investigation
finds that the disputed information is inaccurate, incomplete, or can not be verified by the furnisher, you are legally mandated to promptly delete and permanently remove that item from my file.

Removal of Inaccurate Data : The disputed information is inaccurate and must be deleted from my consumer report. 

XXXX. Detailed Rebuttal Statement ( To Be Enclosed ) The specific inaccuracy I am disputing is : The report 's claim regarding the specific XXXX entry identified by Dispute Case ID XXXX is not simply incorrect, it is factually unverifiable and misleading, directly violating 15 U.S.C. 1681e ( b ) because the original source data is erroneous. 

The furnisher, XXXXXXXX XXXX  is wrong because : XXXX XXXX XXXX initial verification and your subsequent reinvestigation failed to properly substantiate the reported information. The enclosed documentation ( Exhibit A ) proves that this entry is false and can not be verified against the true account history : [ FILL IN : Briefly state the key piece of evidence, e.g., " The attached statement shows a {$0.00} balance, '' or " The attached correspondence confirms account closure was amicable. " ]. 

The exact correction demanded is : Since the prior investigation failed to resolve the inaccuracy, and pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), the specific XXXX entry identified by Dispute Case ID XXXX must be PERMANENTLY DELETED from my consumer file, and all future reporting of this inaccurate data must cease immediately. 

XXXX. Conclusion I am requesting that Early Warning fulfill its obligations under the FCRA. I expect to receive a written notification of the results of this second re-investigation, including a description of any information deleted or corrected, as required by 15 U.S.C. 1681i ( a ) ( 6 ). 

Please be advised that if Early Warning fails to conduct a reasonable re-investigation and correct or delete the inaccurate item as required by the FCRA, I reserve all rights to pursue further remedies, including litigation to recover statutory and actual damages as provided under 15 U.S.C. 1681n and 15 U.S.C. 1681o. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation