Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13816993
Complaint Overview
Complaint ID: 13816993
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: Georgia
ZIP Code: 30291
Date Received: 2025-05-30T12:00:00-05:00
Date Sent to Company: 2025-07-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing a fraudulent checking account that was reported by XXXX XXXX XXXX XXXX XXXX XXXX under account number XXXX and reference number XXXX. This account was opened without my knowledge or authorization. I was a victim of identity theft, and the individual responsible has already been criminally prosecuted. Despite this, XXXX XXXX reported the account as involving checking account fraud under my name, which is false. I obtained a copy of my XXXX XXXX XXXX report and discovered this inaccurate entry, which has significantly impacted my ability to open financial accounts and harmed my reputation. I submitted a formal dispute to XXXX XXXX requesting removal of the fraud designation and documentation supporting their report. To date, I have not received sufficient verification or confirmation that the information has been corrected. I believe XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) by furnishing false information, failing to verify the account, and not correcting inaccurate data upon dispute. This may also constitute a violation of the Consumer Financial Protection Act. I request that the CFPB require XXXX XXXX to reinvestigate this matter, correct my records, and notify all consumer reporting agencies of the correction.
Frequently Asked Questions
What is Complaint #13816993 about?
Complaint #13816993 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.