Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #16137577
Complaint Overview
Complaint ID: 16137577
Company: Early Warning Services, LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: South Carolina
ZIP Code: 29445
Date Received: 2025-09-23T12:00:00-05:00
Date Sent to Company: 2025-09-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Early Warning Services, I am writing to formally dispute inaccurate information that appears on my Early Warning Services consumer report. The account in question is being reported by XXXX XXXX XXXX, Account # XXXX, listed as Closed for Cause / Account Abuse with a negative balance of {$320.00} at closure. This information is inaccurate and misleading for the following reasons : The reported balance and account abuse designation are not accurate and do not reflect my banking history. The account does not accurately represent my responsibility or repayment history. No documentation has been provided to validate this account abuse classification. Under the Fair Credit Reporting Act ( FCRA 611, 15 U.S.C. 1681i ), I am requesting that Early Warning Services conduct a reinvestigation of this item. If XXXX XXXX XXXX can not provide verified documentation proving the accuracy of this account and the account abuse notation, this item must be deleted from my file. Enclosed are copies of my identification and proof of address to assist with your investigation. Please provide me with the results of your reinvestigation within the time frame required by law ( 30 days ). If this account can not be fully verified, I respectfully demand its removal from my consumer file. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #16137577 about?
Complaint #16137577 was filed against Early Warning Services, LLC regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-09-23T12:00:00-05:00.
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.