Consumer complaint received 2025-04-22 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: NV

Complaint narrative:
XXXX XXXX submitting this formal complaint against XXXX XXXX XXXX for its continued and willful furnishing of fraudulent information to credit reporting agenciesdespite multiple identity theft reports, federal filings, and supporting documentation. This is in clear violation of the Fair Credit Reporting Act (FCRA) and relevant Consumer Financial Protection Bureau (CFPB) guidance.XXXX of the Fraudulent Reporting:\XXXX XXXX XXXX XXXX Type: Revolving Credit XXXXDate Opened: XXXXBalance Charged Off: XXXXStatus: Charged off and closed in late XXXXReporting To: XXXX  and XXXXAccount Number (Partial): XXXX XXXX XXXX XXXXThis account was fraudulently opened without my knowledge, consent, or benefit. I never authorized the application, transactions, or use of this account.XXXXIdentity Theft Filings and Ignored Documentation:XXXXBetween XXXX  and XXXX, I submitted multiple FTC Identity Theft Reports, supported by affidavits, photo ID, and correspondence with XXXX  and XXXX. These filings clearly outlined the pattern of identity theft affecting my credit profileincluding the fraudulent XXXX XXXX XXXX  accountXXXX also provided:XXXX full FTC Identity Theft Report with affidavit (including Report XXXX and others submitted via XXXX)XXXXProof of identity and current addressXXXXCredit bureau disputes citing FCRA 605BXXXXLaw enforcement notificationsXXXXDocumentation of a confirmed data breach by XXXX XXXX XXXX XXXX (XXXX XXXX XXXX) which compromised my SSN, DOB, and contact datathe very credentials used in this fraudulent applicationXXXXXXXX XXXX XXXX has repeatedly failed to act on this documentation and continues to furnish this account as my own, resulting in prolonged harm to my credit and financial reputation.XXXXViolations of Federal Law:XXXX XXXX XXXX ongoing conduct constitutes the following legal violations:XXXXFCRA 605B  Failing to block information identified as identity theft within 4 business days of receiving an identity theft report and supporting documentationXXXXFCRA 609(e)  Failure to provide business records related to the fraudulent account after formal requesXXXXFCRA 611(a)  Failing to investigate and delete fraudulent data after disputes filed with credit bureausXXXXFCRA 623(a)(6)  Continuing to furnish known fraudulent information after being informed by the consumer and bureausXXXXFCRA 623(a)(1)(A)  Failing to ensure accuracy of furnished dataXXXXCFPB supervisory guidance  Failure to comply with Bureau-enforced standards of investigation, response, and consumer reliefXXXXThis is not a simple oversight. XXXX XXXX XXXX has engaged in negligent and reckless conduct by failing to correct false information for over four years, even in the face of clear identity theft documentation.XXXXConsequences of This MisconductXXXXBecause of XXXX XXXX XXXX prolonged and unlawful reporting, I have suffered:XXXXSevere credit score damage, affecting my access to essential financial productsXXXXDenials for personal credit and auto loansXXXXHigher insurance premiums and financing termsXXXXEmotional distress, mental fatigue, and hours of labor spent disputingXXXXReputational harm as I am wrongly listed as delinquent or irresponsibleXXXXThe psychological and financial harm is ongoing and directly attributable to XXXX XXXX XXXX  refusal to follow federal law'

Company response to consumer: Closed with explanation