Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18398257
Incorrect Identity Information on Credit Report
Complaint Overview
Complaint ID: 18398257
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: Florida
ZIP Code: 33161
Date Received: 2025-12-31T12:00:00-05:00
Date Sent to Company: 2025-12-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The inclusion of another person's information on a credit report can significantly impact a consumer's creditworthiness and financial opportunities, necessitating prompt correction.
Consumer Sentiment: negative
Topics: Credit reporting, Incorrect information, Identity theft
AI Analysis
CFPB complaint 18398257 was filed against Early Warning Services, LLC regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A consumer reported incorrect information on their credit report, specifically that information belonging to someone else was included, which was handled by Early Warning Services, LLC. The complaint was received on December 31, 2025 from Florida. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should immediately dispute any incorrect information on their credit report with both the credit reporting agency and the furnisher of the information.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes regarding inaccurate information on consumer reports.
Regulatory Insight
Furnishers of information, like Early Warning Services, must ensure the accuracy of the data they report to credit bureaus.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Florida, consumers have rights under state and federal laws to ensure the accuracy of their credit reports.
Industry Comparison
This issue is common in the credit reporting industry, where data inaccuracies can arise from various sources.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18398257 about?
CFPB complaint 18398257 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Information belongs to someone else". This complaint was filed against Early Warning Services, LLC on December 31, 2025.
Which company is complaint 18398257 filed against?
Complaint 18398257 was filed against Early Warning Services, LLC. You can view all complaints against this company on their profile page at /company/early-warning-services-llc.
What was the company's response to complaint 18398257?
Early Warning Services, LLC responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 18398257 filed?
Complaint 18398257 was received by the CFPB on December 31, 2025. It was sent to Early Warning Services, LLC on December 31, 2025.
What state was complaint 18398257 filed from?
Complaint 18398257 was filed from Florida. You can view all complaints from this state at /state/FL.
Was the consumer satisfied with the resolution of complaint 18398257?
Dispute information is not available for complaint 18398257.
What product category is complaint 18398257 about?
Complaint 18398257 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 18398257 submitted?
Complaint 18398257 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 18398257?
The Fair Credit Reporting Act (FCRA) mandates that credit reporting agencies investigate disputes regarding inaccurate information on consumer reports. This relates to a Credit reporting or other personal consumer reports complaint against Early Warning Services, LLC involving "Incorrect information on your report".
How likely is complaint 18398257 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 18398257?
This complaint is rated as medium risk. The inclusion of another person's information on a credit report can significantly impact a consumer's creditworthiness and financial opportunities, necessitating prompt correction.
What regulatory actions apply to complaint 18398257?
Furnishers of information, like Early Warning Services, must ensure the accuracy of the data they report to credit bureaus. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 18398257?
Consumers should immediately dispute any incorrect information on their credit report with both the credit reporting agency and the furnisher of the information.
Are there state-specific protections for complaint 18398257?
In Florida, consumers have rights under state and federal laws to ensure the accuracy of their credit reports. This complaint was filed from Florida.
How does complaint 18398257 compare to industry norms?
This issue is common in the credit reporting industry, where data inaccuracies can arise from various sources.
What steps should a consumer take if they suspect their identity has been compromised on a credit report?
If identity theft is suspected, consumers should file a police report, place a fraud alert on their credit reports, and consider a credit freeze.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.