Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #7304453
Complaint Overview
Complaint ID: 7304453
Company: Early Warning Services, LLC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Florida
ZIP Code: 34974
Date Received: 2023-07-25T12:00:00-05:00
Date Sent to Company: 2023-07-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Reference Case number : XXXX Account number ending XXXX Closed Charged off. I received a letter dated XX/XX/2022 from XXXX XXXX XXXX XXXX XXXX. This letter was pertaining to fees that were charged per the letter " when a restraint was present on the account. Per the letter, " the restraint may have prevented deposits to and/withdrawals from the account ''. Per the letter, " As a result we ( XXXX XXXX ) are enclosing a check for {$730.00}. The letter had a contact number that I called in between XXXX XXXX XXXX. I spoke with XXXX at XXXX ( XXXX ), she directed me to call XXXX XXXX at XXXX, I spoke with XXXX XXXX XXXX XXXX customer service agent ), he offered me an additional {$500.00} for the inconvenience, but I declined. XXXX XXXX incorrectly reported that the closed checking account ending in XXXX with a balance owed, thus, damaging my XXXX XXXX. I believe that I am entitled to relief, for each XXXX ( XXXX XXXX XXXX ), minimum of { {$1000.00} } per violation and because their action caused adverse action as it pertains to employment and my way of life, I ampunitive damages due to gross negligence. I have spoken to a number of Executive Office Case Specialists. This is also Breach of their privacy policy as the incorrect information was reported to EWS ( Early Warning Services ) consumer reporting agency and caused adverse effects. I would also like to file a complaint to EWS ( Early Warning Services ) for reporting incorrect information within my public profile. I have attached both adverse effect letters from the creditor. I ask that the CFPB levy a substantial fine against XXXX XXXX and satisfy the open invoice as it relates to my research of this claim.Both XXXX XXXX XXXX XXXX along with EWS ( Early Warning Services ) have violated my rights- In accordance with the fair credit Reporting act XXXX Account XXXX XXXX has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Frequently Asked Questions
What is Complaint #7304453 about?
Complaint #7304453 was filed against Early Warning Services, LLC regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2023-07-25T12:00:00-05:00.
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.