Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5485492
Complaint Overview
Complaint ID: 5485492
Company: Early Warning Services, LLC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: California
ZIP Code: 90620
Date Received: 2022-04-22T12:00:00-05:00
Date Sent to Company: 2022-04-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX is violating my rights as a consumer. In accordance with the Fair Credit Reporting Act, reporting information regarding checking account ending in XXXX is in violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c. section ( a ) ( 5 ) states : ( a ) Information excluded from consumer reports ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX XXXXequesting copies of all documentation and information regarding account ending XXXX. I received a letter in the mail that simply stated their investigation had been completed and information was updated. They did not attach anything additional as I asked. They had reported incomplete, unproven, and or inaccurate information to both XXXX and Early Warning Services about me and this account. Regardless of their inaccurate reporting practices they are in violation of my rights as I have stated above. I have attached a copy of the original letter that I sent to B of A which explained in detail what happened to me as well as a request for documentation that would have helped me understand why my account was closed in the 1st place. They failed to provide me with that documentation. I have also asked for both XXXX and Early Warning Services to investigate this matter. Both came back and stated that their investigation with B of A has been completed. This account remains on my consumer disclosure with both companies. I also never gave them written instructions to furnish information about me. They are both also in violation of my rights. I have attached copies of both of their response letters.
Frequently Asked Questions
What is Complaint #5485492 about?
Complaint #5485492 was filed against Early Warning Services, LLC regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2022-04-22T12:00:00-05:00.
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, credit repair services, 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.