Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13816836
Complaint Overview
Complaint ID: 13816836
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: Account information incorrect
State: Georgia
ZIP Code: 30291
Date Received: 2025-05-30T12:00:00-05:00
Date Sent to Company: 2025-05-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX reported a false " fund transfer fraud '' designation to Early Warning Services ( EWS ) under account number XXXX. I obtained my EWS report and discovered this damaging and inaccurate entry, which I dispute entirely. I was never notified of this reporting or provided an opportunity to address the allegation. This has negatively impacted my ability to open financial accounts and harmed my reputation. I submitted formal dispute letters to both XXXX XXXX and Early Warning Services and requested evidence to substantiate the fraud claim. As of this filing, I have not received documentation that supports the reporting, nor any indication that a proper reinvestigation has been completed. I believe XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ), particularly sections 1681s-2 ( a ) and ( b ), by furnishing inaccurate information and failing to conduct a reasonable reinvestigation. This may also constitute a violation of the Consumer Financial Protection Act ( UDAAP ) and defamation under state law. I am requesting that the CFPB require XXXX XXXX to : Fully investigate and verify or remove the fraud designation from my EWS report, Provide all documentation used in making the determination, Notify me in writing of their findings and corrective actions.
Frequently Asked Questions
What is Complaint #13816836 about?
Complaint #13816836 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 2025-05-30T12:00:00-05:00.
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.