Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11442698
Complaint Overview
Complaint ID: 11442698
Company: Early Warning Services, LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Maryland
ZIP Code: 216XX
Date Received: 2025-01-08T12:00:00-05:00
Date Sent to Company: 2025-02-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX ( XXXX ) XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Reporting Disputes XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX Re : Formal Dispute of Items on XXXX XXXX To Whom It May Concern, I am writing to dispute the accuracy and validity of the items currently listed on my Early Warning Services ( EWS ) report. Despite submitting multiple prior disputes, several fraudulent or inaccurate items remain, even though some entries were removed. The removal of certain items is a clear indication that inaccurate or incorrect information was originally reported, compromising the integrity of the entire report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair and Accurate Credit Transactions Act ( FACTA ), I am entitled to an accurate consumer report. EWS is required by law to ensure that any information provided is both verifiable and authorized. Section 611 of the FCRA obligates you to conduct a thorough investigation of all disputed information and delete any unverifiable data within 30 days. Despite repeated requests, I have not received documentation verifying the legitimacy of the remaining items. Under FCRA 609, I am entitled to all information in my file, including the source and supporting evidence. Since you have failed to provide this information, the continued reporting of these items violates federal law. The following disputed items are still active on my report and require immediate deletion : XXXX XXXX XXXX : XXXX. Routing # XXXX Account # XXXX XXXX. Routing # XXXX Account # XXXX XXXX. Routing # XXXX Account # XXXX XXXX. Routing # XXXX Account # XXXX XXXX XXXX XXXX : XXXX. Routing # XXXX Account # XXXX XXXX. Routing # XXXX Account # XXXX XXXX : XXXX. Routing # XXXX Account # XXXX XXXX. Routing # XXXX Account # XXXX Since prior deletions demonstrate that inaccurate data was being reported, I request the following actions : 1. Immediately delete the remaining inaccurate, incomplete, or unverifiable items from my XXXX XXXX 2. Provide written confirmation of the deletions and the updated status of my report. 3. If you maintain that any of the information is accurate, I demand that you provide me with complete supporting documentation and evidence for each entry within 15 days. Failure to comply will result in further legal action, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing damages as allowed under FCRA 623. I expect a resolution within the legally mandated 30-day period. Please send all future correspondence to the address listed above or to my email at XXXX. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #11442698 about?
Complaint #11442698 was filed against Early Warning Services, LLC regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-01-08T12:00:00-05:00.
How did Early Warning Services, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Early Warning Services, LLC?
Yes, visit the Early Warning Services, LLC company profile at readthecomplaint.com/company/early-warning-services-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.