{"took":1638,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":81,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"18383376","_score":22.826208,"_source":{"product":"Checking or savings account","complaint_what_happened":"Hello, I am submitting updated information for my dispute regarding the fraud record appearing on my Early Warning Services report related to a XXXX account. \nAccount & Incident Details Bank : XXXX Account Type : Checking Incident Date : XX/XX/year> Instrument : Money Order Amount : {$770.00} Status : Blank/ Not endorsed/ Not completed/ Not authorized by me I opened the XXXX account myself. However, the {$770.00} money order associated with this fraud case was NOT completed by me, NOT endorsed by me, NOT deposited by me, and I did not authorize this transaction. I did not receive or benefit from any funds related to this money order. \n\nI contacted XXXX, and they directed me to dispute the record with Early Warning I filed an FTC fraud/identity theft report confirming this money order activity was NOT done by me This Early Warning listing is incorrectly associating me with fraud and is preventing me from opening bank accounts","date_sent_to_company":"2025-12-30T22:51:48.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Checking account","zip_code":"80247","tags":null,"has_narrative":true,"complaint_id":"18383376","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-12-30T22:27:56.000Z","state":"CO","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I contacted XXXX, and they directed me to dispute the record with Early <em>Warning</em> I <em>filed</em> an FTC <em>fraud</em>/<em>identity</em> <em>theft</em> <em>report</em> <em>confirming</em> this money order activity was NOT done by me This Early <em>Warning</em> listing is incorrectly associating me with <em>fraud</em> and is preventing me from opening bank accounts"],"issue":["Problem with <em>fraud</em> alerts or security freezes"],"company":["Early <em>Warning</em> Services, LLC"]},"sort":[22.826208,"18383376"]},{"_index":"complaint-public-v1","_id":"8069908","_score":21.547495,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I sent a secured message on the Early Warning Services portal in dispute of information placed on my consumer report regarding checking account fraud, informing them that I was a victim of identity theft. I provided a FTC Identity Theft Report and a statement on how my information was compromised as well as how I found out about the incorrect information on my consumer report. On XX/XX/XXXX I received a letter from Early Warning Services informing me the information was blocked as a result of identity theft. On XX/XX/XXXX I received a letter from Early Warning Services informing the block was rescinded, and the information was reinserted in my Early Warning consumer report because they determined the information furnished by XXXX XXXX  was accurate and complete. I was able to connect with a branch manager at XXXX XXXX  who opened a checking account for me that I was successfully using until XX/XX/XXXX when my account was frozen due to the bank 's back office forcing the immediate closure of my account because of the information on my Early Warning consumer report. I sent a letter via certified mail to XXXX XXXX XXXX on XX/XX/XXXX requesting the information stating I committed checking account fraud be re-investigated and the description of the procedure used to determine the accuracy and completeness of the information be provided within fifteen ( XXXX ) days of the completion of your re-investigation. Additionally I requested they provide the name, address, and telephone number of each person contacted at XXXX XXXX  regarding this alleged account. As well as a copy of any documents provided by XXXX XXXX  bearing my signature showing that I in fact was the person who committed checking account fraud. On XX/XX/XXXX XXXX XXXX XXXX sent a letter stating they do not have access to account documentation and was therefore unable to provide me with copies of any documents. This response led me to believe the XXXX XXXX  did not provide proof of the alleged checking account fraud so on XX/XX/XXXX I posted a secured messaged on the Early Warning message portal requesting the incorrect information be removed from my consumer report. I also attached my police report to the secured message to further prove that I was in fact a victim of identity theft, and informed that if the false information was not removed from my consumer report within 30 days from the date the message was sent it will entitle me to presume XXXX XXXX XXXX is reporting my name and social security number in error, and that the matter is permanently closed. On XX/XX/XXXX XXXX XXXX XXXX sent a letter requesting my full police report, or identity theft report. I responded on the secured portal with an attachment of the FTC identity report that I'd originally sent in XX/XX/XXXX as my police report was not yet complete in order to send the full report. XXXX XXXX XXXX replied on XX/XX/XXXX stating the reinvestigation confirms that the information contained in my file is accurate and complete as of the date it was furnished to their database. In this letter XXXX XXXX XXXX said they would furnish a copy of my updated report, including the rebuttal statement, to parties who have received a copy of my file during the preceding XXXX years for employment purposes or during the preceding XXXX months for all other purposes and provide me with a copy of their reinvestigation procedures, including the contact information for any furnisher of information, but I have yet to receive this information. I responded to this letter with the completed police report for my case regarding my stolen wallet and banking information that led to the identity theft incident and once again requested the information obtained in the re-investigation be provided to me as a way to assist police with finding the person who committed the identity theft and checking account fraud. As of today, XX/XX/XXXX I have not had any further correspondence from Early Warning Services.","date_sent_to_company":"2023-12-29T05:28:36.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"77406","tags":null,"has_narrative":true,"complaint_id":"8069908","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2023-12-29T02:58:36.000Z","state":"TX","company_public_response":null,"sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["I sent a secured message on the Early <em>Warning</em> Services portal in dispute of information placed on my consumer <em>report</em> regarding checking account <em>fraud</em>, informing them that I was a victim of <em>identity</em> <em>theft</em>. I provided a FTC <em>Identity</em> <em>Theft</em> <em>Report</em> and a statement on how my information was compromised as well as how I found out about the incorrect information on my consumer <em>report</em>."],"company":["Early <em>Warning</em> Services, LLC"],"sub_product":["Other personal consumer <em>report</em>"]},"sort":[21.547495,"8069908"]},{"_index":"complaint-public-v1","_id":"15547462","_score":20.094494,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Incorrect Information on My XXXX  Report Identity Theft I am submitting this complaint because Early Warning Services ( XXXX  ) is reporting inaccurate and unfair information on my consumer report related to fraudulent activity that I did not authorize. \n\nIn XX/XX/XXXX, unauthorized wire transfers were made into and out of my XXXX  XXXX XXXX checking account without my knowledge or consent. I was outside of the United States from XX/XX/XXXX through XX/XX/XXXX, as proven by my flight records, and therefore could not have initiated or known about these transactions. I only discovered the fraud upon returning to the XXXX in XX/XX/XXXX. \n\nAs soon as I became aware, I filed both a police report and an FTC Identity Theft Report, confirming that I was the victim of identity theft. I submitted this documentation to both XXXX  and XXXX. XXXX  reviewed the same evidence and removed the negative item from my record, but XXXX  refused, choosing to rely solely on XXXX  XXXX XXXX response. \n\nThis refusal constitutes inaccurate reporting under the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to ensure the accuracy and completeness of consumer information. XXXX  decision has harmed my ability to open and maintain bank accounts, despite clear and verified evidence that I was the victim of identity theft. \n\nRequested Resolution : Remove the fraudulent/suspicious activity notation from my XXXX  file. \n\nCorrect my report to reflect the same accurate correction already made by XXXX. \n\nSupporting Evidence Attached : Identity Theft Report.pdf FTC Identity Theft Report filed XX/XX/XXXX. \n\nPolice_Report.pdf Police report confirming identity theft. \n\nMy Flight Info Outbound.pdf and My Flight Inbound.pdf Proof I was outside the United States from XX/XX/XXXX through XX/XX/XXXX. \n\nXXXX  Report.pdf XXXX of my XXXX  file showing the negative fraud notation. \n\nSupporting Doc From XXXX XXXX XXXX acceptance of my dispute and removal of the same reporting. \n\nXXXX  Dispute Reason.pdf My original dispute submission to XXXX, demonstrating that I provided the proper evidence which was ignored. \n\nGiven the strong evidence of identity theft, my verified absence from the country at the time of the transactions, and the fact that another consumer reporting agency ( XXXX  ) corrected the same issue, I respectfully request CFPB intervention to ensure XXXX complies with the FCRA and removes this inaccurate information. \n\nThanks, XXXX","date_sent_to_company":"2025-08-27T19:25:32.000Z","issue":"Incorrect information on your report","sub_product":"Other personal consumer report","zip_code":"22182","tags":"Servicemember","has_narrative":true,"complaint_id":"15547462","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-08-27T18:49:10.000Z","state":"VA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Correct my <em>report</em> to reflect the same accurate correction already made by XXXX. \n\nSupporting Evidence Attached : <em>Identity</em> <em>Theft</em> <em>Report</em>.pdf FTC <em>Identity</em> <em>Theft</em> <em>Report</em> <em>filed</em> XX/XX/XXXX. \n\nPolice_<em>Report</em>.pdf Police <em>report</em> <em>confirming</em> <em>identity</em> <em>theft</em>. \n\nMy Flight Info Outbound.pdf and My Flight Inbound.pdf Proof I was outside the United States from XX/XX/XXXX through XX/XX/XXXX. \n\nXXXX  <em>Report</em>.pdf XXXX of my XXXX  <em>file</em> showing the negative <em>fraud</em> notation."],"issue":["Incorrect information on your <em>report</em>"],"company":["Early <em>Warning</em> Services, LLC"],"sub_product":["Other personal consumer <em>report</em>"]},"sort":[20.094494,"15547462"]},{"_index":"complaint-public-v1","_id":"14811725","_score":19.817968,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am a victim of identity theft. Multiple accounts were fraudulently opened in my name without my knowledge or authorization. I submitted a formal identity theft report, placed fraud alerts, and submitted debt validation letters under 15 USC 1681 and 1692g. No original signed contracts or proof of authorization were provided.\n\nDespite this, the following accounts remain listed and are damaging my consumer file : XXXX XXXX  XXXX. ( Dispute XXXX : XXXX, XXXX, XXXX, XXXX ) XXXX Bank ( XXXX XXXX XXXX ) ( Dispute ID : XXXX ) XXXX XXXX XXXX ( Dispute ID : XXXX ) XXXX XXXX ( Dispute ID : XXXX ) XXXX XXXX  ( Dispute XXXX : XXXX, XXXX, XXXX ) XXXX XXXX  XXXX. ( Dispute ID : XXXX ) The XXXX XXXX XXXX XXXX XXXX ( Dispute ID : XXXX ) I demand immediate deletion of these unverifiable accounts. Early Warning has acknowledged it does not have access to original account-opening documentation and has deferred to the reporting banks, yet no documents have been produced. Continued reporting without verification violates the Fair Credit Reporting Act and the FDCPA. If not resolved promptly, I will pursue legal remedies. \n\nSupporting documents attached : Identity theft affidavit / FTC report Fraud alert notice Debt validation demands Early Warning response letter and full disclosure report Please investigate and confirm deletion in writing. \n\nXXXX XXXX XXXX : * -- XXXX XXXX : XX/XX/1990 Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX","date_sent_to_company":"2025-07-22T12:43:25.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"33162","tags":null,"has_narrative":true,"complaint_id":"14811725","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-07-22T12:32:12.000Z","state":"FL","company_public_response":null,"sub_issue":"Account opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["Supporting documents attached : <em>Identity</em> <em>theft</em> affidavit / FTC <em>report</em> <em>Fraud</em> alert notice Debt validation demands Early <em>Warning</em> response letter and full disclosure <em>report</em> Please investigate and <em>confirm</em> deletion in writing. \n\nXXXX XXXX XXXX : * -- XXXX XXXX : XX/XX/1990 Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX"],"company":["Early <em>Warning</em> Services, LLC"]},"sort":[19.817968,"14811725"]},{"_index":"complaint-public-v1","_id":"15560724","_score":19.58455,"_source":{"product":"Checking or savings account","complaint_what_happened":"Mishandling of Identity Theft Dispute Unauthorized Wire Transfers I am filing this complaint because Bank of America has mishandled my identity theft dispute and continues to report inaccurate information that has harmed me. \n\nIn XX/XX/XXXX, unauthorized wire transfers were made into and out of my Bank of America checking account without my knowledge or consent. I was not even in the United States at the time I was overseas from XX/XX/XXXX through XX/XX/XXXX, as proven by my flight records and therefore could not have initiated, authorized, or even discovered these transactions until I returned in XX/XX/XXXX. \n\nImmediately upon discovering the fraud, I filed a police report and an FTC Identity Theft Report, both confirming that I was a victim of identity theft. I submitted this evidence to Bank of America. However, the bank refused to correct its records, citing the 60-day reporting requirement under Regulation E. This application of the 60-day rule is unfair and inappropriate in my case because I was not in the country and could not possibly have discovered the fraud earlier. Bank of America has also furnished this inaccurate fraud notation to bothXX/XX/XXXXand Early Warning Services ( EWS ). I disputed with both agencies : XX/XX/XXXX accepted my dispute and removed the reporting after reviewing the same evidence.\n\nEWS refused, relying only on Bank of Americas response, despite receiving the same supporting documents.\n\nBank of Americas refusal to correct its records, and its continued furnishing of inaccurate information, violates the Fair Credit Reporting Act ( FCRA ) duty of furnishers to provide accurate information. It also represents a failure to fairly consider identity theft evidence under applicable federal protections.\n\nRequested Resolution : Correct Bank of Americas records to reflect that the November 2024 wire transfers were unauthorized and the result of identity theft.\n\nCease reporting inaccurate fraud-related information to consumer reporting agencies ( including EWS ).\n\nEnsure that my account history does not reflect fraudulent activity and that I am not unfairly prevented from maintaining or opening accounts.\n\nSupporting Evidence Attached : Identity Theft Report.pdf FTC Identity Theft Report filed XX/XX/XXXX. \n\nPolice_Report.pdf Police report confirming identity theft. \n\nMy Flight Info Outbound.pdf and My Flight Inbound.pdf Proof I was outside the United States from XX/XX/XXXX through XX/XX/XXXX. \n\nEWS Report.pdf Copy of my EWS file showing the negative fraud notation furnished by Bank of America. \n\nSupporting Doc From XXXX XXXXXX/XX/XXXXacceptance of my dispute and removal of the same reporting. \n\nEWS Dispute Reason.pdf Copy of my dispute showing the evidence provided.\n\nGiven the overwhelming evidence, including my documented absence from the U.S., official identity theft reports, and the fact that XX/XX/XXXX already corrected its reporting, I respectfully request CFPB intervention to require Bank of America to correct its records and cease furnishing inaccurate information. \n\nThanks, XXXX","date_sent_to_company":"2025-08-27T19:44:39.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"22182","tags":null,"has_narrative":true,"complaint_id":"15560724","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-08-27T19:31:12.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Cease <em>reporting</em> inaccurate <em>fraud</em>-related information to consumer <em>reporting</em> agencies ( including EWS ).\n\nEnsure that my account history does not reflect fraudulent activity and that I am not unfairly prevented from maintaining or opening accounts.\n\nSupporting Evidence Attached : <em>Identity</em> <em>Theft</em> <em>Report</em>.pdf FTC <em>Identity</em> <em>Theft</em> <em>Report</em> <em>filed</em> XX/XX/XXXX. \n\nPolice_<em>Report</em>.pdf Police <em>report</em> <em>confirming</em> <em>identity</em> <em>theft</em>."]},"sort":[19.58455,"15560724"]},{"_index":"complaint-public-v1","_id":"13258427","_score":19.19494,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint is being filed both through the Consumer Financial Protection Bureau ( CFPB ) and simultaneously as a formal legal notice of violation and noncompliance to XXXX XXXXXXXX. \n\nXXXX is knowingly furnishing fraudulent checking account information to TransUnion despite : XXXX. Receiving multiple valid identity theft affidavits and federal filings XXXX. Misrepresenting the legal requirements of the FCRA by falsely claiming that a police report is mandatory XXXX. Ignoring precedents of proper CRA behavior most notably Early Warning Systems, which lawfully honored the same documentation and blocked all records XXXX. Violating federal law repeatedly and willfully under FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX Refutation of XXXX XXXXXX/XX/XXXX Response : XXXX denied my prior identity theft dispute based on a false legal assertion : that I must submit a police report to initiate an identity theft block. \n\nThis is absolutely false. Under FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the law clearly states : An identity theft report means a report that ( A ) alleges a fraud or identity theft ; ( B ) is filed by a consumer with a law enforcement agency, the FTC, or other government agency. \n\nThe FTC identity theft reports I submitted are legally valid and meet every statutory requirement. Your refusal to act on these constitutes willful misinterpretation of federal law, exposing you to civil liability under FCRA XXXX. \n\n\n\nEvidence of Identity Theft Submitted to XXXX : XXXX has received the following : FTC Identity Theft Report # XXXX : Confirms fraudulent use of my identity involving Bank XXXX XXXX, XXXX Bank, and XXXX FTC Report # XXXX : Documents fraudulent check usage over {$5700.00} across XXXX Bank and other financial institutions XXXX Complaint # XXXX : Filed XX/XX/XXXX documenting debit fraud, and account misuse across multiple financial institutions XXXX Complaint # XXXX : Filed XXXX XXXX updates XXXX as a key transmitter of the XXXX XXXX XXXX Bank XXXX XXXX Breach Notification : Confirms criminal data breach involving my name, XXXX, date of birth, and account credentials Early Warning Systems Block Confirmation : Demonstrates that a peer CRA honored all identity theft documentation and removed the exact same banking data, proving XXXX  is an outlier in violation Current Reporting ( as of XX/XX/XXXX ) : XXXX is furnishing the following fraudulent data to XXXX : Two DDA account closures {$6200.00} in unpaid checking debt XXXX DDA-related inquiries over a three-year period This has caused actual credit denials and reputational harm. \n\n\n\nFederal Violations Committed by XXXX : XXXX. FCRA XXXX Failure to Block Within XXXX Days : XXXX ignored valid reports and refused the required identity theft block. \nXXXX. FCRA XXXX No Reasonable Reinvestigation : XXXX conducted no reinvestigation and instead rejected my reports without merit. \nXXXX. FCRA XXXX ( XXXX ) Failure to Provide XXXX Records : ChexSystems denied my request to see documentation of the accounts they report. \nXXXX. FCRA XXXX XXXX XXXX XXXX XXXX  XXXX ) Knowingly Furnishing False Data : ChexSystems continues to report known fraudulent data despite being lawfully notified. \nXXXX. FCRA XXXX Willful Noncompliance : ChexSystems policy of demanding police reports shows willful disregard for FCRA statutory definitions. \nXXXX. FCRA XXXX Negligent Noncompliance : By failing to act, ChexSystems has caused measurable harm and lost opportunities.","date_sent_to_company":"2025-06-17T14:52:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89103","tags":null,"has_narrative":true,"complaint_id":"13258427","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fidelity National Information Services, Inc. (FNIS)","date_received":"2025-04-30T21:18:16.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Under FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the law clearly states : An <em>identity</em> <em>theft</em> <em>report</em> means a <em>report</em> that ( A ) alleges a <em>fraud</em> or <em>identity</em> <em>theft</em> ; ( B ) is <em>filed</em> by a consumer with a law enforcement agency, the FTC, or other government agency. \n\nThe FTC <em>identity</em> <em>theft</em> <em>reports</em> I submitted are legally valid and meet every statutory requirement."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[19.19494,"13258427"]},{"_index":"complaint-public-v1","_id":"13258798","_score":19.164894,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint is being filed both through the Consumer Financial Protection Bureau ( CFPB ) and simultaneously as a formal legal notice of violation and noncompliance to XXXX XXXX \n\nXXXX is knowingly furnishing fraudulent checking account information to TransUnion despite : XXXX. Receiving multiple valid identity theft affidavits and federal filings XXXX. Misrepresenting the legal requirements of the FCRA by falsely claiming that a police report is mandatory XXXX. Ignoring precedents of proper CRA behavior most notably Early Warning Systems, which lawfully honored the same documentation and blocked all records XXXX. Violating federal law repeatedly and willfully under FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Refutation of XXXX  XX/XX/XXXX Response : XXXX denied my prior identity theft dispute based on a false legal assertion : that I must submit a police report to initiate an identity theft block. \n\nThis is absolutely false. Under FCRA XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, the law clearly states : An identity theft report means a report that ( A ) alleges a fraud or identity theft ; ( B ) is filed by a consumer with a law enforcement agency, the FTC, or other government agency. \n\nThe FTC identity theft reports I submitted are legally valid and meet every statutory requirement. Your refusal to act on these constitutes willful misinterpretation of federal law, exposing you to civil liability under FCRA XXXX. \n\n\n\nEvidence of Identity Theft Submitted to XXXX XXXX XXXX  has received the following : FTC Identity Theft Report # XXXX : Confirms fraudulent use of my identity involving XXXX XXXX XXXX XXXX XXXXXXXX and XXXX FTC Report # XXXX : Documents fraudulent check usage over {$5700.00} across XXXX Bank and other financial institutions XXXX Complaint # XXXX : Filed XX/XX/XXXX documenting debit fraud, and account misuse across multiple financial institutions XXXX Complaint # XXXX : Filed XXXX XXXX updates XXXX as a key transmitter of the XXXX XXXX XXXX Bank XXXX XXXX Breach Notification : Confirms criminal data breach involving my name, SSN, date of birth, and account credentials Early Warning Systems Block Confirmation : Demonstrates that a peer CRA honored all identity theft documentation and removed the exact same banking data, proving XXXX  is an outlier in violation Current Reporting ( as of XX/XX/XXXX ) : XXXX is furnishing the following fraudulent data to TransUnion : Two DDA account closures {$6200.00} in unpaid checking debt Ten DDA-related inquiries over a three-year period This has caused actual credit denials and reputational harm. \n\n\n\nFederal Violations Committed by XXXX : XXXX. FCRA XXXX Failure to Block Within XXXX Days : XXXX ignored valid reports and refused the required identity theft block. \nXXXX. FCRA XXXX No Reasonable Reinvestigation : XXXX conducted no reinvestigation and instead rejected my reports without merit. \nXXXX. FCRA XXXX ( XXXX ) Failure to Provide XXXX Records : XXXX  denied my request to see documentation of the accounts they report. \nXXXX. FCRA XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Knowingly Furnishing False Data : XXXX continues to report known fraudulent data despite being lawfully notified. \nXXXX. FCRA XXXX Willful Noncompliance : XXXX policy of demanding police reports shows willful disregard for FCRA statutory definitions. \nXXXX. FCRA XXXX Negligent Noncompliance : By failing to act, XXXX has caused measurable harm and lost opportunities.","date_sent_to_company":"2025-04-30T21:18:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89103","tags":null,"has_narrative":true,"complaint_id":"13258798","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CBC Companies, Inc.","date_received":"2025-04-30T21:18:16.000Z","state":"NV","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Under FCRA XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, the law clearly states : An <em>identity</em> <em>theft</em> <em>report</em> means a <em>report</em> that ( A ) alleges a <em>fraud</em> or <em>identity</em> <em>theft</em> ; ( B ) is <em>filed</em> by a consumer with a law enforcement agency, the FTC, or other government agency. \n\nThe FTC <em>identity</em> <em>theft</em> <em>reports</em> I submitted are legally valid and meet every statutory requirement."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[19.164894,"13258798"]},{"_index":"complaint-public-v1","_id":"10429107","_score":18.279554,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I originally mailed the complaint on XX/XX/2024, via regular mail, but it was reported as not received. Subsequently, on XX/XX/2024, I uploaded the relevant information in color through the Experian Document Upload Service at XXXX XXXX XXXX \n\nOn XX/XX/2024, I checked to confirm whether the company had received the Federal Trade Commission report. An Experian representative informed me that items uploaded in color are not accepted in their system, despite no such warning being provided during submission. Consequently, I resubmitted my dispute in black and white to ensure the information would be accepted. \n\nOn XX/XX/2024, I called to verify receipt of my information. The first representative confirmed that it had been received and transferred me to the fraud department. However, once transferred, I was informed that the Federal Trade Commission report had not been received. Today marks the third day since I uploaded this information. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency must block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft, no later than four business days after receiving : Appropriate proof of the consumer 's identity ; A copy of the identity theft report ; Identification of the information by the consumer ; and A statement from the consumer indicating that the information does not relate to any transaction.","date_sent_to_company":"2024-10-11T20:00:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30168","tags":null,"has_narrative":true,"complaint_id":"10429107","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-11T19:44:49.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["Except as otherwise provided in this section, a consumer <em>reporting</em> agency must block the <em>reporting</em> of any information in a consumer 's <em>file</em> that the consumer identifies as resulting from alleged <em>identity</em> <em>theft</em>, no later than four business days after receiving : Appropriate proof of the consumer 's <em>identity</em> ; A copy of the <em>identity</em> <em>theft</em> <em>report</em> ; Identification of the information by the consumer ; and A statement from the consumer indicating that the information does not relate to any transaction."]},"sort":[18.279554,"10429107"]},{"_index":"complaint-public-v1","_id":"21536014","_score":18.18289,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint regarding the closure of all of my accounts by Navy Federal Credit Union, including my credit card, based on an alleged fraud determination that is inaccurate and unjustified. \n\nI was informed that the issue relates to a {$200.00} XXXX transaction. I want to clearly state that I did not initiate this transaction. The funds were sent to me, and I did not request, authorize, or solicit them in any way. I had no involvement in any fraudulent activity.\n\nDespite being an unintended recipient, Navy Federal closed all of my accounts without warning and attributed fraud risk to me. This action has caused financial disruption and reputational harm.\n\nI have taken immediate action by filing a police report with the XXXX Police Department regarding identity theft related to this matter. This further supports that I am a victim of unauthorized activity, not a participant.\n\nI am requesting that Navy Federal : Conduct a proper reinvestigation distinguishing between an inbound transaction recipient and an actual fraud participant.\n\nProvide a written explanation of how I was determined to be associated with fraud.\n\nConfirm whether any consumer reporting agencies ( including XXXX XXXX XXXX or XXXX  ) were used or notified.\n\nCorrect any inaccurate internal or external fraud reporting associated with my name.\n\nProvide written confirmation that I am not being reported as a fraud risk.\n\nReview and reconsider the closure of my accounts based on the corrected facts.\n\nThis situation reflects a failure to properly assess my role in the transaction and a misclassification that must be corrected.\n\nI expect a prompt and thorough response and resolution.","date_sent_to_company":"2026-04-23T18:54:49.000Z","issue":"Closing an account","sub_product":"Other banking product or service","zip_code":"37040","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"21536014","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-04-23T18:23:59.000Z","state":"TN","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Despite being an unintended recipient, Navy Federal closed all of my accounts without <em>warning</em> and attributed <em>fraud</em> risk to me. This action has caused financial disruption and reputational harm.\n\nI have taken immediate action by <em>filing</em> a police <em>report</em> with the XXXX Police Department regarding <em>identity</em> <em>theft</em> related to this matter. This further supports that I am a victim of unauthorized activity, not a participant."]},"sort":[18.18289,"21536014"]},{"_index":"complaint-public-v1","_id":"14478430","_score":18.047487,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Email : XXXX Date : XX/XX/2025 To : Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX DC XXXX Subject : Formal Complaint Against Early Warning Services for Identity Theft and Unauthorized Use of Personal Information To Whom It XXXX Concern, My name is XXXX XXXX, and I am writing to file a formal complaint against Early Warning Services for their unlawful handling of my personal and financial data, which has resulted in identity theft and the unauthorized buying and selling of my information for financial gain. \n\nThese companies have accessed and distributed my sensitive personal information without my permission, which directly violates multiple federal laws, including : 15 U.S. Code 1681b The Fair Credit Reporting Act ( FCRA ) : Regulates the use and disclosure of consumer reports only for permissible purposes.\n\n15 U.S. Code 6801 and 6802 Gramm-Leach-Bliley Act : Requires protection of the privacy of consumer financial information and limits disclosure.\n\n18 U.S. Code 1028 Identity Theft : Addresses fraud and related activity in connection with unauthorized use of identification information. \n\nAs a result of their actions, I have suffered financial damage, privacy violations, and the misuse of my identity. I hereby demand : 1. Immediate deletion of any and all information connected to me from their databases.\n\n2. A permanent cease-and-desist on the use, sale, or sharing of my information.\n\n3. Monetary damages for the harm caused, as allowed under 15 U.S. Code 1681n and 1681o, which allow for actual and statutory damages in cases of willful and negligent noncompliance.\n\nThis is an urgent matter, and I demand action within four ( 4 ) business days of receiving this complaint. Failure to act will result in legal action and formal complaints with additional state and federal agencies. \n\nPlease confirm receipt and provide a written response detailing the actions taken. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-07-06T05:58:30.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"352XX","tags":null,"has_narrative":true,"complaint_id":"14478430","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-07-06T05:49:55.000Z","state":"AL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXXXXXX XXXX XXXX DC XXXX Subject : Formal Complaint Against Early <em>Warning</em> Services for <em>Identity</em> <em>Theft</em> and Unauthorized Use of Personal Information To Whom It XXXX Concern, My name is XXXX XXXX, and I am writing to <em>file</em> a formal complaint against Early <em>Warning</em> Services for their unlawful handling of my personal and financial data, which has resulted in <em>identity</em> <em>theft</em> and the unauthorized buying and selling of my information for financial gain."],"issue":["Improper use of your <em>report</em>"],"company":["Early <em>Warning</em> Services, LLC"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[18.047487,"14478430"]},{"_index":"complaint-public-v1","_id":"12133312","_score":17.342997,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"FINAL LEGAL NOTICE IMMEDIATE ACTION REQUIRED REFERRAL TO CRIMINAL DIVISION FTC, FBI, SEC, HUD, DOJ Subject : Consumer Dispute & Immediate Legal Action FCRA, Privacy Violations, Identity Theft, Fraud, Securities Violations, and Criminal Referrals Case Reference Numbers : XXXX | XXXX Consumer Number : XXXX | Consumer ID : XXXX FTC Identity Theft Criminal Complaint Number : XXXX XXXX XXXX Police Report Number : XXXX To : Federal Trade Commission ( FTC ) Consumer Protection Bureau Consumer Financial Protection Bureau ( CFPB ) Federal Housing and Equal Opportunity ( FHEO ) Division Federal Bureau of Investigation ( FBI ) Criminal Investigation Division Securities & Exchange Commission ( SEC ) Securities Fraud Division U.S. Department of Justice ( DOJ ) Civil Rights & Antitrust Division LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX From : XXXX XXXX XXXX Date XXXX XX/XX/year> CRIMINAL LIABILITY WARNING This final legal notice serves as formal notification that your continued failure to comply with federal laws governing consumer rights, privacy, identity theft, and financial reporting has resulted in significant harm. \n\nImmediate Legal Consequences for Noncompliance : Federal prosecution under criminal fraud statutes ( 18 U.S.C. 1341, 1343, 371 ) Civil litigation seeking statutory and punitive damages exceeding {$500000.00} ( 15 U.S.C. 1681n, 1681o ) SEC enforcement action for corporate fraud, securities violations, and unlawful reporting ( 15 U.S.C. 78j ) DOJ and FBI criminal investigations into identity theft, wire fraud, and racketeering Immediate regulatory action from CFPB, FTC, and HUD for willful violations of federal consumer protection laws VIOLATIONS & CRIMINAL OFFENSES IDENTIFIED 1. Fair Credit Reporting Act ( FCRA ) Violations 15 U.S.C. 1681 et seq.\n\n1681e ( b ) FAILURE TO ENSURE ACCURACY Fraudulent eviction judgment ( Record ID : XXXX ) remains on my file, despite LexisNexis previously removing it. \nXXXX falsely reported a {$1800.00} rental debt despite my balance being {$0.00} and all payments made on time. \n1681i FAILURE TO INVESTIGATE & REMOVE INACCURATE DATA Despite multiple disputes, LexisNexis,XX/XX/XXXX, and XXXX have refused to correct fraudulent reporting. \n1681g FAILURE TO DISCLOSE DATA LexisNexis & XXXX denied access to my full consumer file, violating my legal right to access financial records affecting my standing.\n\n1681n WILLFUL NONCOMPLIANCE WITH FCRA ( CIVIL LIABILITY & DAMAGES ) Each willful violation of the FCRA entitles me to : Actual damages Statutory damages up to {$1000.00} per violation Punitive damages Attorneys fees 2. Identity Theft & Privacy Violations Federal & State 1681c-2 FAILURE TO CORRECT IDENTITY THEFT REPORTING FTC Identity Theft Report ( # XXXX ) & XXXX XXXX Police Report ( # XXXX ) confirm identity theft and fraudulent accounts. \nLexisNexis and XXXX continue to report fraudulent accounts despite multiple reports documenting identity theft. \n1681b UNLAWFUL DISCLOSURE OF PERSONAL DATA RealPage improperly disseminated my consumer file to third parties without my consent.\n\nLexisNexis knowingly reported fraudulent information, violating federal privacy laws.\n\n3. Equal Credit Opportunity Act ( ECOA ) Violations 15 U.S.C. 1691 et seq.\n\n1691 ( d ) ( 2 ) FAILURE TO ISSUE REQUIRED ADVERSE ACTION NOTICES RealPage failed to provide legally required adverse action notices explaining my housing denials.\n\n1691 ( a ) DISCRIMINATORY REPORTING & PRACTICES False information disproportionately harmed my ability to obtain housing as the guardian of a XXXX minor child. \nThis is a direct violation of the Fair Housing Act ( FHA ) protections.\n\n4. Fair Housing Act ( FHA ) Violations 42 U.S.C. 3604 DISABILITY & FAMILIAL STATUS DISCRIMINATION Housing denials based on fraudulent reporting violated my protected rights under federal housing laws.\n\nRETALIATION FOR HUD COMPLAINTS HUD Complaint No. XXXX confirms ongoing retaliation via fraudulent reporting. \n5. Securities Fraud & Criminal Violations 18 U.S.C. 1341, 1343, 371 WIRE FRAUD & MAIL FRAUD ( 18 U.S.C. 1343, 1341 ) False rental history data was electronically transmitted and used to deny housing, constituting wire fraud.\n\nCONSPIRACY TO COMMIT FRAUD ( 18 U.S.C. 371 ) XXXX & XXXX colluded in price-fixing and fraudulent tenant screening. \nThis is part of an ongoing DOJ investigation into systemic fraud within the rental market. \nFINAL DEMAND FOR CORRECTIVE ACTION Failure to comply with the following within 10 business days will result in criminal referrals and civil litigation : 1. Immediate Removal of All Fraudulent Data All false eviction records and rental history must be permanently deleted.\n\nConsumer reports must reflect : {$0.00} balance No late payments Paid-in-Full, Closed, and in Good Standing status 2. Disclosure of Full Consumer Reports LexisNexis and XXXX must provide complete copies of my consumer files. \n3. Issuance of Required Adverse Action Notices XXXX must issue all legally required adverse action notices for prior housing denials. \n4. Cease-and-Desist Order on False Reporting LexisNexis, XXXX, and XXXX must stop all inaccurate reporting immediately.\n\n5. Certification of Compliance A legally binding certification confirming that all violations have been corrected in compliance with FCRA, ECOA, FHA, and Privacy Laws.\n\nLEGAL CONSEQUENCES FOR NONCOMPLIANCE If I do not receive a formal response and confirmation of compliance within 10 business days, I will escalate this matter as follows : CFPB Enforcement Action Monetary penalties & forced compliance for FCRA & ECOA violations.\n\nFTC Investigation & Civil Penalties Consumer fraud enforcement & damages under the FTC Act.\n\nHUD Lawsuit & Civil Rights Violations Fair Housing Act violations & discrimination claims.\n\nSEC Securities Fraud Referral Corporate fraud, deceptive trade practices enforcement.\n\nDOJ & FBI Criminal Prosecution Wire fraud, mail fraud, identity theft, and conspiracy charges.\n\nPrivate Civil Lawsuit Seeking damages exceeding {$500000.00} under FCRA, ECOA, and Privacy Laws.\n\nFINAL NOTICE & DEADLINE Contact : XXXX Phone : ( XXXX ) XXXX This is your FINAL WARNING. Full compliance is expected, or legal action will proceed without further notice. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-02-25T23:35:29.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"30024","tags":"Servicemember","has_narrative":true,"complaint_id":"12133312","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"LEXISNEXIS","date_received":"2025-02-19T20:53:49.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Identity</em> <em>Theft</em> & Privacy Violations Federal & State 1681c-2 FAILURE TO CORRECT <em>IDENTITY</em> <em>THEFT</em> <em>REPORTING</em> FTC <em>Identity</em> <em>Theft</em> <em>Report</em> ( # XXXX ) & XXXX XXXX Police <em>Report</em> ( # XXXX ) <em>confirm</em> <em>identity</em> <em>theft</em> and fraudulent accounts. \nLexisNexis and XXXX continue to <em>report</em> fraudulent accounts despite multiple <em>reports</em> documenting <em>identity</em> <em>theft</em>. \n1681b UNLAWFUL DISCLOSURE OF PERSONAL DATA RealPage improperly disseminated my consumer <em>file</em> to third parties without my consent."],"issue":["Improper use of your <em>report</em>"],"sub_product":["Other personal consumer <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[17.342997,"12133312"]},{"_index":"complaint-public-v1","_id":"13250585","_score":16.973322,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This complaint is being filed both through the Consumer Financial Protection Bureau ( CFPB ) and simultaneously as a formal legal notice of violation and noncompliance to ChexSystems, Inc. \n\nChexSystems is knowingly furnishing fraudulent checking account information to TransUnion despite : 1. Receiving multiple valid identity theft affidavits and federal filings 2. Misrepresenting the legal requirements of the FCRA by falsely claiming that a police report is mandatory 3. Ignoring precedents of proper CRA behavior most notably Early Warning Systems, which lawfully honored the same documentation and blocked all records 4. Violating federal law repeatedly and willfully under FCRA 605B, 611, 609 ( e ), 623 ( a ) ( 1 ), 616, and 617 Refutation of ChexSystems XX/XX/XXXX Response : ChexSystems denied my prior identity theft dispute based on a false legal assertion : that I must submit a police report to initiate an identity theft block. \n\nThis is absolutely false. Under FCRA 603 ( q ) and 605B ( b ), the law clearly states : An identity theft report means a report that ( A ) alleges a fraud or identity theft ; ( B ) is filed by a consumer with a law enforcement agency, the FTC, or other government agency. \n\nThe FTC identity theft reports I submitted are legally valid and meet every statutory requirement. Your refusal to act on these constitutes willful misinterpretation of federal law, exposing you to civil liability under FCRA 616. \n\n\n\nEvidence of Identity Theft Submitted to ChexSystems : ChexSystems has received the following : FTC Identity Theft Report # XXXX : Confirms fraudulent use of my identity involving XXXX  XXXX XXXX, XXXX XXXX, and XXXX FTC Report # XXXX : Documents fraudulent check usage over {$5700.00} across XXXX XXXX  and other financial institutions XXXX Complaint # XXXX : Filed XX/XX/XXXX documenting debit fraud, and account misuse across multiple financial institutions XXXX Complaint # XXXX : Filed XXXX XXXX updates ChexSystems as a key transmitter of the false data XXXX XXXX  XXXX XXXX Breach Notification : Confirms criminal data breach involving my name, SSN, date of birth, and account credentials XXXX XXXX XXXX Block Confirmation : Demonstrates that a peer CRA honored all identity theft documentation and removed the exact same banking data, proving ChexSystems is an outlier in violation Current Reporting ( as of XX/XX/XXXX ) : ChexSystems is furnishing the following fraudulent data to TransUnion : Two DDA account closures {$6200.00} in unpaid checking debt Ten DDA-related inquiries over a three-year period This has caused actual credit denials and reputational harm. \n\n\n\nFederal Violations Committed by ChexSystems : 1. FCRA 605B Failure to Block Within 4 Days : ChexSystems ignored valid reports and refused the required identity theft block. \n2. FCRA 611 No Reasonable Reinvestigation : ChexSystems conducted no reinvestigation and instead rejected my reports without merit.\n\n3. FCRA 609 ( e ) Failure to Provide Business Records : ChexSystems denied my request to see documentation of the accounts they report.\n\n4. FCRA 623 ( a ) ( 1 ) Knowingly Furnishing False Data : ChexSystems continues to report known fraudulent data despite being lawfully notified.\n\n5. FCRA 616 Willful Noncompliance : ChexSystems policy of demanding police reports shows willful disregard for FCRA statutory definitions.\n\n6. FCRA 617 Negligent Noncompliance : By failing to act, ChexSystems has caused measurable harm and lost opportunities.","date_sent_to_company":"2025-04-30T21:18:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"89103","tags":null,"has_narrative":true,"complaint_id":"13250585","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Fidelity National Information Services, Inc. (FNIS)","date_received":"2025-04-30T20:56:49.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Evidence of <em>Identity</em> <em>Theft</em> Submitted to ChexSystems : ChexSystems has received the following : FTC <em>Identity</em> <em>Theft</em> <em>Report</em> # XXXX : <em>Confirms</em> fraudulent use of my <em>identity</em> involving XXXX  XXXX XXXX, XXXX XXXX, and XXXX FTC <em>Report</em> # XXXX : Documents fraudulent check usage over {$5700.00} across XXXX XXXX  and other financial institutions XXXX Complaint # XXXX : <em>Filed</em> XX/XX/XXXX documenting debit <em>fraud</em>, and account misuse across multiple financial institutions XXXX Complaint # XXXX : <em>Filed</em> XXXX XXXX updates"],"issue":["Incorrect information on your <em>report</em>"]},"sort":[16.973322,"13250585"]},{"_index":"complaint-public-v1","_id":"17008131","_score":16.836315,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing to formally dispute the accuracy of information appearing on my consumer report maintained by XXXX XXXX XXXX. The following account is being reported as Closed for Cause and Checking Account Fraud, but I have no knowledge of this account, nor did I authorize its opening or activity : Bank Name : Bank of America Bank Routing Number : XXXX Account Number : XXXX Incident Date : XX/XX/year> Status : Unpaid Contribution Reason : Checking Account Fraud This account does not belong to me and must be removed from my report immediately. Between XXXX and XX/XX/year>, XXXX Bank of America accounts were fraudulently opened in my name without my consent. During that time, my purse and phone were stolen, which contained my debit card, state ID, and personal information. It is clear that someone used my stolen information to commit fraud. \n\nBoth accounts were closed by Bank of America in XX/XX/year>, and I was never given prior notice or an opportunity to dispute the claims before they were reported to Early Warning Services. I have made multiple attempts to resolve this issue, but the negative marks still remain, unfairly damaging my credit standing and preventing me from opening new accounts or managing my finances responsibly. \n\nThis situation is not my fault and has caused serious hardship. I am a victim of identity theft and should not be held accountable for fraudulent activity committed by another person. \n\nUnder the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am exercising my legal right to dispute this information. I demand that you reinvestigate this matter immediately and permanently delete all fraudulent and inaccurate information from my consumer report. \n\nFor your review, I am enclosing a copy of my police report, along with a copy of my government-issued ID and any supporting documents verifying my identity. \n\nPlease confirm in writing once this information has been deleted from my record. If this dispute is not resolved promptly, I will be filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Early Warnings handling of this matter. \n\nThis situation has unfairly affected my financial reputation and ability to maintain basic financial stability. I ask that you take this matter seriously and act quickly to correct these false and harmful records.","date_sent_to_company":"2025-11-05T01:59:15.000Z","issue":"Opening an account","sub_product":"Other banking product or service","zip_code":"75052","tags":null,"has_narrative":true,"complaint_id":"17008131","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-11-05T01:56:07.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["For your review, I am enclosing a copy of my police <em>report</em>, along with a copy of my government-issued ID and any supporting documents verifying my <em>identity</em>. \n\nPlease <em>confirm</em> in writing once this information has been deleted from my record. If this dispute is not resolved promptly, I will be <em>filing</em> a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Early <em>Warnings</em> handling of this matter."]},"sort":[16.836315,"17008131"]},{"_index":"complaint-public-v1","_id":"15025514","_score":16.553701,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute and request the immediate investigation and removal of several unauthorized and inaccurate accounts currently appearing on my Equifax, Transunion & Experian credit report. As a verified victim of identity theft, I previously filed a fraud alert with the major credit bureaus beginning on XX/XX/year>, and my credit report reflects that warning. Despite this alert, I am still being affected by accounts that were either opened or reported fraudulently, or accounts that are inaccurate and unverifiable. I did not authorize, open, or make payments on several of these accounts. In accordance with the Fair Credit Reporting Act ( FCRA ) 605B and 611, and protections under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the permanent deletion of the following derogatory accounts from my Equifax report : Disputed Accounts : XXXX XXXX * * * * Status : Charged Off Balance : {$2500.00} Not my account appears fraudulent XXXX CARD XXXX * * * * Status : Charged Off Balance : {$3000.00} I do not recognize or authorize this account. XXXXXXXX XXXX XXXX XXXXXXXX * * * * Status : Charged Off Balance : {$1600.00} This account was not opened by me. Please consider this letter my formal dispute. These accounts either resulted from fraud or are inaccurately reported and must be deleted. Under FCRA 611, if Equifax and the furnishers of this information can not provide verifiable proof within 30 days, the disputed data must be removed from my report. Additionally, as a victim of a known breach involving Equifax and due to the ongoing impact of identity theft, I would like these accounts blocked and removed from my report! Please confirm receipt of this dispute and notify me of the outcome in writing. You may also send an updated credit report reflecting the changes. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-08-02T11:32:01.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"80022","tags":null,"has_narrative":true,"complaint_id":"15025514","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-02T11:31:35.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am writing to formally dispute and request the immediate investigation and removal of several unauthorized and inaccurate accounts currently appearing on my Equifax, Transunion & Experian credit <em>report</em>. As a verified victim of <em>identity</em> <em>theft</em>, I previously <em>filed</em> a <em>fraud</em> alert with the major credit bureaus beginning on XX/XX/year>, and my credit <em>report</em> reflects that <em>warning</em>."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[16.553701,"15025514"]},{"_index":"complaint-public-v1","_id":"15025582","_score":16.548037,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute and request the immediate investigation and removal of several unauthorized and inaccurate accounts currently appearing on my Equifax, Transunion & Experian credit report. As a verified victim of identity theft, I previously filed a fraud alert with the major credit bureaus beginning on XX/XX/year>, and my credit report reflects that warning. Despite this alert, I am still being affected by accounts that were either opened or reported fraudulently, or accounts that are inaccurate and unverifiable. I did not authorize, open, or make payments on several of these accounts. In accordance with the Fair Credit Reporting Act ( FCRA ) 605B and 611, and protections under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the permanent deletion of the following derogatory accounts from my Equifax report : Disputed Accounts : XXXX XXXX * * * * Status : Charged Off Balance : {$2500.00} Not my account appears fraudulent XXXX CARD XXXX * * * * Status : Charged Off Balance : {$3000.00} I do not recognize or authorize this account. XXXXXXXX XXXX XXXX XXXXXXXX * * * * Status : Charged Off Balance : {$1600.00} This account was not opened by me. Please consider this letter my formal dispute. These accounts either resulted from fraud or are inaccurately reported and must be deleted. Under FCRA 611, if Equifax and the furnishers of this information can not provide verifiable proof within 30 days, the disputed data must be removed from my report. Additionally, as a victim of a known breach involving Equifax and due to the ongoing impact of identity theft, I would like these accounts blocked and removed from my report! Please confirm receipt of this dispute and notify me of the outcome in writing. You may also send an updated credit report reflecting the changes. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-08-02T11:32:02.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"80022","tags":null,"has_narrative":true,"complaint_id":"15025582","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-02T11:09:29.000Z","state":"CO","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am writing to formally dispute and request the immediate investigation and removal of several unauthorized and inaccurate accounts currently appearing on my Equifax, Transunion & Experian credit <em>report</em>. As a verified victim of <em>identity</em> <em>theft</em>, I previously <em>filed</em> a <em>fraud</em> alert with the major credit bureaus beginning on XX/XX/year>, and my credit <em>report</em> reflects that <em>warning</em>."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[16.548037,"15025582"]},{"_index":"complaint-public-v1","_id":"15025513","_score":16.548037,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute and request the immediate investigation and removal of several unauthorized and inaccurate accounts currently appearing on my Equifax, Transunion & Experian credit report. As a verified victim of identity theft, I previously filed a fraud alert with the major credit bureaus beginning on XX/XX/year>, and my credit report reflects that warning. Despite this alert, I am still being affected by accounts that were either opened or reported fraudulently, or accounts that are inaccurate and unverifiable. I did not authorize, open, or make payments on several of these accounts. In accordance with the Fair Credit Reporting Act ( FCRA ) 605B and 611, and protections under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the permanent deletion of the following derogatory accounts from my Equifax report : Disputed Accounts : XXXX XXXX * * * * Status : Charged Off Balance : {$2500.00} Not my account appears fraudulent XXXX CARD XXXX * * * * Status : Charged Off Balance : {$3000.00} I do not recognize or authorize this account. XXXXXXXX XXXX XXXX XXXXXXXX * * * * Status : Charged Off Balance : {$1600.00} This account was not opened by me. Please consider this letter my formal dispute. These accounts either resulted from fraud or are inaccurately reported and must be deleted. Under FCRA 611, if Equifax and the furnishers of this information can not provide verifiable proof within 30 days, the disputed data must be removed from my report. Additionally, as a victim of a known breach involving Equifax and due to the ongoing impact of identity theft, I would like these accounts blocked and removed from my report! Please confirm receipt of this dispute and notify me of the outcome in writing. You may also send an updated credit report reflecting the changes. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-08-02T11:32:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"80022","tags":null,"has_narrative":true,"complaint_id":"15025513","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-02T11:31:35.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I am writing to formally dispute and request the immediate investigation and removal of several unauthorized and inaccurate accounts currently appearing on my Equifax, Transunion & Experian credit <em>report</em>. As a verified victim of <em>identity</em> <em>theft</em>, I previously <em>filed</em> a <em>fraud</em> alert with the major credit bureaus beginning on XX/XX/year>, and my credit <em>report</em> reflects that <em>warning</em>."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[16.548037,"15025513"]},{"_index":"complaint-public-v1","_id":"12069173","_score":16.523848,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Name : XXXX XXXX Address : XXXX XXXX XXXX Ave. XXXX XXXX, IL XXXX Email : XXXX Date : XX/XX/year> Consumer # : XXXX Dispute case ID : XXXX, XXXX. Dear CFPB, I am writing to inform you that I am a victim of identity theft. I have been made aware that fraudulent information is being reported to your company, damaging my credit and reputation. I have contacted the previous companies involved and attempted to resolve this issue. Unfortunately, I believe they are not complying with the law, specifically 18 USC 1341, which pertains to fraud and swindles. This has resulted in a deformation of my character and a violation of my consumer rights. As you are aware, the law requires that any fraud be blocked and removed from a consumer 's credit file. It is illegal to hold or obligate a consumer to disclose or furnish any information on a credit report. This is a clear violation of 15 USC 1681e and 1681b, which outline the requirements of credit reporting agencies to ensure the accuracy and fairness of consumer information. Furthermore, your company 's failure to conduct a reasonable investigation of my dispute regarding the incorrect and fraudulent information on my credit report is a violation of 15 USC 1681i. I request that you take immediate action to : 1. Remove all fraudulent information from my credit report. 2. Block any further reporting of this information. 3. Conduct a thorough investigation into this matter. Please confirm in writing that these actions have been taken. I also noticed early warning has re-inserted the fraudulent account please remove the fraudulent accounts at once. Appreciate, your prompt attention to this matter, and I look forward to resolving this issue. Please remove fraudulent accounts with Navy Federal Credit Union, Early Warning consumer services Consumer ID number XXXX, and all reporting agencies, account numbers are listed below. XXXX XXXX XXXX XXXX account numbers - XXXX - XXXX Sincerely, XXXX XXXX","date_sent_to_company":"2025-02-20T20:22:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"60639","tags":null,"has_narrative":true,"complaint_id":"12069173","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-02-13T04:48:33.000Z","state":"IL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Dear CFPB, I am writing to inform you that I am a victim of <em>identity</em> <em>theft</em>. I have been made aware that fraudulent information is being <em>reported</em> to your company, damaging my credit and reputation. I have contacted the previous companies involved and attempted to resolve this issue. Unfortunately, I believe they are not complying with the law, specifically 18 USC 1341, which pertains to <em>fraud</em> and swindles. This has resulted in a deformation of my character and a violation of my consumer rights."],"issue":["Incorrect information on your <em>report</em>"],"company":["Early <em>Warning</em> Services, LLC"]},"sort":[16.523848,"12069173"]},{"_index":"complaint-public-v1","_id":"18870141","_score":16.189774,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing this complaint against Wells Fargo Bank , N.A . for unlawfully closing my business checking account without notice, falsely alleging fraud and identity theft, and improperly freezing and withholding my funds.\n\nAccount and Promotional Background Wells Fargo sent me multiple promotional offers encouraging me to open a business checking account. The offer stated that I would receive an {$820.00} bonus if I deposited and maintained {$25000.00} for 60 days. \nAccount opened : XX/XX/XXXX Initial deposit : {$25000.00} Account status : In good standing at all times No overdrafts, suspicious transactions, or violations I fully complied with all stated promotional and account requirements. \n\nAccount Freeze and Closure Without Notice On XX/XX/XXXX, Wells Fargo froze and closed my business checking account without prior notice. I was unable to log in and received a message stating that my credentials were XXXX. \n\nI did not receive any advance warning, request for verification, or opportunity to address any alleged concern before the account was closed. \n\nFalse Fraud and Identity Theft Allegations Wells Fargo later mailed a letter dated XX/XX/XXXX, which I received on XX/XX/XXXX, claiming that I was a victim of fraud and identity theft. \n\nThis allegation is false. \n\nWhen I called the phone number listed on the letter : A Wells Fargo representative accused me of being the person who allegedly contacted Wells Fargo to report the account as opened in error I did not make such a call The representative stated that my {$25000.00} would remain frozen and that there was nothing he could do I called Wells Fargo again and spoke with another representative who : Refused to release my funds Stated that I might be able to retrieve my money at a branch I then contacted a Wells Fargo branch in XXXX, XXXX, and was told : I could not withdraw my funds The account closure was a business decision Wells Fargo would continue holding my money despite closing the account Improper Withholding of Funds Despite closing my account, Wells Fargo continues to hold {$25000.00} of my money with no timeline, documentation, or lawful explanation. \n\nAt no point was I : Provided evidence supporting the fraud or identity theft claim Allowed to verify my identity Given written justification for the continued withholding of my funds Unfair and Deceptive Practices Wells Fargos actions appear to constitute unfair, deceptive, and abusive practices, including : Inducing me to open and fund an account with a promotional offer Closing the account before the promotional period concluded Making false allegations of fraud and identity theft Using those allegations to justify withholding my funds Attempting to avoid payment of the {$820.00} promotional bonus Resolution Requested I respectfully request that CFPB require Wells Fargo to : XXXX. Immediately release and return my {$25000.00} XXXX. Provide a written explanation and evidence supporting the fraud and identity theft allegation XXXX. Correct any internal or external records falsely indicating fraud or wrongdoing on my part XXXX. Confirm that no negative reporting has been or will be made to XXXX XXXX XXXX XXXX, or any credit bureau XXXX. Honor and pay the {$820.00} promotional bonus, which Wells Fargo induced me to open the account to earn Wells Fargos continued withholding of my funds without notice, proof, or due process is unacceptable and requires regulatory intervention.","date_sent_to_company":"2026-01-20T20:56:54.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"90247","tags":null,"has_narrative":true,"complaint_id":"18870141","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-01-20T20:50:01.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["Provide a written explanation and evidence supporting the <em>fraud</em> and <em>identity</em> <em>theft</em> allegation XXXX. Correct any internal or external records falsely indicating <em>fraud</em> or wrongdoing on my part XXXX. <em>Confirm</em> that no negative <em>reporting</em> has been or will be made to XXXX XXXX XXXX XXXX, or any credit bureau XXXX."]},"sort":[16.189774,"18870141"]},{"_index":"complaint-public-v1","_id":"10894535","_score":15.527287,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX Email : XXXX Date : XX/XX/year> Dear CFPB, I am writing to inform you that I am a victim of identity theft. I have been made aware that fraudulent information is being reported to your company, damaging my credit and reputation. \n\nI have contacted the previous companies involved and attempted to resolve this issue. Unfortunately, I believe they are not complying with the law, specifically 18 USC 1341, which pertains to fraud and swindles. This has resulted in a deformation of my character and a violation of my consumer rights. \n\nAs you are aware, the law requires that any fraud be blocked and removed from a consumer 's credit file. It is illegal to hold or obligate a consumer to disclose or furnish any information on a credit report. This is a clear violation of 15 USC 1681e and 1681b, which outline the requirements of credit reporting agencies to ensure the accuracy and fairness of consumer information. \n\nFurthermore, your company 's failure to conduct a reasonable investigation of my dispute regarding the incorrect and fraudulent information on my credit report is a violation of 15 USC 1681i.\n\nI request that you take immediate action to : 1. Remove all fraudulent information from my credit report.\n\n2. Block any further reporting of this information.\n\n3. Conduct a thorough investigation into this matter.\n\nPlease confirm in writing that these actions have been taken. I appreciate your prompt attention to this matter, and I look forward to resolving this issue. \n\nPlease remove fraudulent accounts with XXXX XXXX XXXX XXXX, Early Warning consumer services Consumer ID number XXXX, and all reporting agencies, account numbers are listed below. \n\nXXXX XXXX XXXX XXXX account numbers - XXXX - XXXX Sincerely, XXXX XXXX","date_sent_to_company":"2024-11-22T22:32:47.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60639","tags":null,"has_narrative":true,"complaint_id":"10894535","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2024-11-22T22:32:45.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Unfortunately, I believe they are not complying with the law, specifically 18 USC 1341, which pertains to <em>fraud</em> and swindles. This has resulted in a deformation of my character and a violation of my consumer rights. \n\nAs you are aware, the law requires that any <em>fraud</em> be blocked and removed from a consumer 's credit <em>file</em>. It is illegal to hold or obligate a consumer to disclose or furnish any information on a credit <em>report</em>."],"company":["Early <em>Warning</em> Services, LLC"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[15.527287,"10894535"]},{"_index":"complaint-public-v1","_id":"12657735","_score":15.02082,"_source":{"product":"Student loan","complaint_what_happened":"Formal Dispute Regarding False Identity Theft Designation and Failure to Investigate CFPB Complaint ID XXXX and XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX To : Aidvantage Dispute Resolution Department XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CC : XXXX, CFPB, FTC Subject : Formal Demand for Investigation and Correction of False Fraud Classification on Student Loan Account To Aidvantage Dispute Resolution Department, This letter serves as a formal dispute and demand for correction regarding your false designation of my student loan account as associated with an identity theft or forgery claim. I did not initiate, authorize, or consent to any identity theft claim or fraud dispute on this account. Your actions have triggered a chain of violations under federal and XXXX consumer protection laws. \nThis letter supplements and escalates my previously filed complaints with the Consumer Financial Protection Bureau under CFPB Complaint ID XXXX and CFPB Complaint ID XXXX. \nAidvantages responses dated XX/XX/year>, and XX/XX/year>, both failed to address the core allegations raised in those filings. Instead of conducting a lawful investigation into the unauthorized fraud classification of my account, Aidvantage issued vague, boilerplate responses that ignored my sworn and notarized documentation, misrepresented the source of the alleged fraud designation, and improperly redirected the issue to an unrelated complaint against XXXX. \nThese responses collectively reveal a pattern of procedural misconduct and regulatory evasion. \nBreach of Federal Servicing Obligations and Public Trust Standards Aidvantages designation as a federal loan servicer is not a privilege of discretionit is a position of legal obligation. By accepting federal funds, handling federally-backed consumer accounts, and transmitting information to consumer reporting agencies, Aidvantage operates under binding statutory, fiduciary, and commercial standards enforceable by law, irrespective of any federal agency intermediary. \nAidvantages conduct in this matterfalsely labeling a consumer loan as associated with identity theft, failing to provide investigative records, and misrepresenting the source of the classificationconstitutes a direct breach of the following core obligations : Statutory Compliance : Aidvantage is legally bound to adhere to the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), and all federal consumer protection laws governing data accuracy, investigatory integrity, and truthful consumer communication. These are not optional. Violation of these statutes renders the servicer liable under 15 U.S.C. 1681n and 1681o ( willful/negligent noncompliance ), and 12 U.S.C. 5536 ( UDAAP ). \nFiduciary Duty to the Borrower : Servicers of federal accounts are entrusted with sensitive financial and identity-related data. Misclassifying an account as fraudulent without consent or evidence violates the fundamental duty of care owed to consumers and erodes the trust that underpins all federally-linked servicing relationships. \nContract-Based Responsibilities : Regardless of whether specific contractual terms are publicly disclosed, any entity entrusted with the management of federally supported debt must act in accordance with implied covenants of good faith and fair dealing. Assigning a fraud designation without basis, ignoring formal rebuttals, and demanding that the consumer write a letter to fix the servicers own misconduct is a textbook breach of commercial servicer conduct. \nPublic Trust Accountability : Aidvantage acts as a federal-facing data gatekeeper. It is accountable not just to the borrower, but to the integrity of the public credit infrastructure and consumer reporting ecosystem. Misuse of this role constitutes a material breach of public trust, with potential implications for systemic risk, regulatory scrutiny, and litigation exposure. \nAidvantages pattern of evasion, misrepresentation, and procedural noncompliance in this case places the company on a collision course with multi-agency enforcement. The breach is not merely technicalit is institutional. \nI. Summary of Violations and Procedural Failures 1. Misclassification Without Authorization You labeled my student loan as part of an identity theft claim without my consent. No identity theft or fraud claim was submitted by me to Aidvantage or XXXX regarding this account. \n2. Failure to Investigate and Provide Evidence You failed to disclose : Who submitted the alleged fraud report Any communication logs showing attempted outreach Any documentation used to support the identity theft designation 3. Improper Burden-Shifting Both your XX/XX/XXXX and XX/XX/XXXX responses instructed me to write a letter to remove the fraud designationdespite the fact that I never initiated it. This is procedurally and legally improper under FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), which requires furnishers to correct false information without placing the burden on the consumer. \n4. Misdirection and False Claims to a Federal Agency You repeatedly cited CFPB Complaint ID XXXX ( filed against XXXX ), falsely claiming it triggered your internal fraud process. This is a material misrepresentation to both me and federal regulators. \n5. Failure to Acknowledge Sworn and Notarized Evidence You ignored the Affidavit of Truth and FTC Fraud Report submitted in connection with my disputeboth of which clearly confirm that I never filed an identity theft or fraud-related dispute. Your failure to acknowledge or address these materials violates your duties under the FCRA and CFPA. \nII. Legal and Statutory Violations Federal Law : FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : Furnishing inaccurate information without authorization. \nFCRA 1681i ( a ) ( 6 ) : Failure to provide documentation related to a disputed claim. \nFCRA 1681e ( b ) : Failure to ensure maximum possible accuracy of reported data. \nCFPA 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) : Unfair, deceptive, and abusive acts ( UDAAP ). \n15 U.S.C. 45 : Unfair and deceptive acts under the FTC Act. \n18 U.S.C. 1001 : False statements or misrepresentations to a federal agency. \nD.C. Law : D.C. CPPA 28-3904 ( e ) : Material misrepresentation of a consumer transaction. \nD.C. CPPA 28-3904 ( f ) : Failure to perform legal duties required by law. \nIII. Formal Legal Demands Aidvantage is required to take the following actions within 30 business days : 1. Remove the Fraud Designation You must provide written confirmation that all fraud-related classifications on my student loan account have been permanently removed. \n2. Confirm No Adverse Credit Reporting If you reported this fraud code to any CRAs, you must provide documentation that it has been corrected and no longer appears in my file. \n3. Disclose the Investigation Record Provide the full internal investigation record, including : Name of the individual or system that initiated the fraud designation Any internal correspondence Any documentation provided to XXXX 4. Explain Why CFPB Complaint ID XXXX and XXXX Was Not Addressed Provide a direct written explanation as to why your responses failed to address my core allegations in the original CFPB complaint. \nIV. Notice of Escalation if Aidvantage Fails to Comply If you do not take immediate corrective action, I will escalate this matter to the following agencies for formal investigation and enforcement : Consumer Financial Protection Bureau ( CFPB ) : As the primary regulatory authority for FCRA and UDAAP violations, the CFPB is responsible for enforcing 15 U.S.C. 1681s-2, 1681i, and 12 U.S.C. 5536 where furnishers misreport, mishandle disputes, or shift legal burdens onto consumers. \nFederal Trade Commission ( FTC ) : The FTC enforces prohibitions against unfair and deceptive business practices under 15 U.S.C. 45. Aidvantages misrepresentation of complaint origins and failure to investigate constitute actionable deception and fraud. \nFederal Communications Commission ( FCC ) : The FCC oversees electronic and mailed communications that involve deceptive representations or the simulation of legal or regulatory process. Misuse of identity theft packets and false claims of consumer outreach fall under its jurisdiction. \nNational Association of Attorneys General ( NAAG ) : State Attorneys General may coordinate multistate enforcement where violations of state consumer protection lawssuch as D.C. CPPA 28-3904 ( e ) and ( f ) suggest a broader pattern of systemic harm across jurisdictions. \nU.S. Department of Justice ( DOJ ) Civil and Criminal Divisions : Aidvantages materially false statements to a federal agency, along with the use of mail or electronic communication to support a false fraud classification, may trigger liability under 18 U.S.C. 1001, 1341 and 1343, and 18 U.S.C. 19611968 ( RICO ). \nDOJ Consumer Protection Branch ( CPB ) : The CPB has jurisdiction over enterprise-level consumer fraud and systemic FCRA violations . Aidvantages pattern of misclassification, evasion, and misdirection meets the threshold for CPB referral due to its obstruction of lawful dispute processes and regulatory oversight. \nV. Attached Documentation The following supporting documents are enclosed : Affidavit of Truth ( Sworn and Notarized ) Legal certification of my position and dispute history. \nFTC Fraud Report ID XXXX Confirming no identity theft dispute was submitted on this account. \nFTC Fraud Report ID XXXX Documents false identity theft classification by Aidvantage and XXXX and confirms no fraud dispute was ever submitted by the consumer. \nCFPB Complaint ID XXXX ( CLOSED ) Irrelevant XXXX complaint misused in Aidvantages response XXXX \nCFPB Complaint ID XXXX ( CLOSED ) Core complaint ignored in Aidvantages prior response. \nCFPB Complaint ID XXXX ( CLOSED ) Rebuttal to Aidvantages Misclassification and Failure to Address CFPB Complaint ID XXXX VI. Final Notice to Aidvantage Aidvantage is now on formal notice. You are required to immediately correct this false identity theft designation, produce all investigative and internal records as outlined above, and issue a legally sufficient resolution within 30 business days of receipt of this notice. \nFailure to comply will be treated as willful, ongoing statutory noncompliance, triggering immediate escalation to federal and state enforcement bodies, referral to oversight agencies listed herein, and the pursuit of all available civil and legal remedies under applicable law. \nAll correspondence, internal communications, and investigative documentation related to this matter will be treated as subject to subpoena, discovery, and FOIA/public records review in any subsequent regulatory action, litigation, or oversight proceeding. \nThis record is now active. No further warnings will be issued. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-03-25T17:58:43.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"20008","tags":null,"has_narrative":true,"complaint_id":"12657735","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2025-03-25T17:49:46.000Z","state":"DC","company_public_response":null,"sub_issue":"Received bad information about your loan"},"highlight":{"complaint_what_happened":["FTC <em>Fraud</em> <em>Report</em> ID XXXX <em>Confirming</em> no <em>identity</em> <em>theft</em> dispute was submitted on this account. \nFTC <em>Fraud</em> <em>Report</em> ID XXXX Documents false <em>identity</em> <em>theft</em> classification by Aidvantage and XXXX and <em>confirms</em> no <em>fraud</em> dispute was ever submitted by the consumer. \nCFPB Complaint ID XXXX ( CLOSED ) Irrelevant XXXX complaint misused in Aidvantages response XXXX \nCFPB Complaint ID XXXX ( CLOSED ) Core complaint ignored in Aidvantages prior response."]},"sort":[15.02082,"12657735"]},{"_index":"complaint-public-v1","_id":"17534605","_score":14.920709,"_source":{"product":"Checking or savings account","complaint_what_happened":"CFPB COMPLAINT DRAFT : BANK OF AMERICA ( Systemic Misclassification, XXXX XXXX XXXX XXXX, and Regulatory Control ) XXXX  Product : Checking or Savings Account XXXX  Complaint Category : Managing, monitoring, or closing account Issue : Problems when you are an unauthorized victim of fraud or identity theft Transaction Date : XX/XX/year> Amount : {$39.00} Transaction Descriptor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Your Complaint Text ( Copy/Paste this description for the CFPB submission ) : My Bank of America account received an unauthorized ACH DEPOSIT of {$39.00} on XX/XX/year>XXXX  with the descriptor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is a clear case of potential identity theft using my name. \nThe institutional process at Bank of America constitutes a systemic regulatory failure in seven major ways : PATTERN OF COMPLIANCE VIOLATION ( PRIOR CFPB FILINGS ) : This is not an isolated event. Prior CFPB complaints filed by me against Bank of America document a continuing pattern of systemic failure and policy abuse that deliberately obstructs fraud investigation and shifts liability onto the victim. This current case must be viewed within the context of the bank 's established, non-compliant operational history.\n\nINTENTIONAL DELAY & SHORTENING OF STATUTORY REMEDY WINDOW : The bank 's internal policy mandates that the claim 's official start date is delayed until the NEXT BUSINESS DAY after the fraud is reported. This procedure is an INTENTIONAL VIOLATION that shortens the consumer 's statutory 120-day or 180-day window for dispute resolution under Regulation E, effectively robbing the victim of legally mandated time to investigate their claim.\n\nSYSTEMIC MISCLASSIFICATION OF ACH FRAUD ( BILLIONS IN DAMAGE ) : The bank 's internal system prevents representatives from filing a direct \" Fraud '' claim for unauthorized ACH transfers, forcing them into a low-priority \" Dispute '' or \" Billing Error '' category. This deliberate abuse of Regulation E misclassifies millions of ACH-related fraud cases annually, a practice that has cost consumers an estimated BILLIONS of dollars in unresolved or delayed recovery. The banks process actively routes high-priority fraud cases away from required investigation tracks. \nImplied Admission, Obstruction, and Warning of Personal Risk : During my call at XXXXXXXX XXXX  EST ( Ref : XXXX XXXX ), the representative named XXXX provided an explicit and alarming warning to \" be careful '' before transferring me. This warning, coupled with XXXX having misspoken about a \" XXXX and something dollar credit, '' strongly suggests internal staff awareness of a hazardous or compromised claim process. Furthermore, the bank refused to provide any documentation in writing confirming the systemic policy flaws, which constitutes deliberate obstruction. \nEGREGIOUS BREACH OF DUTY OF CARE ( SUICIDAL DISCLOSURE ) : During a prior, separate call concerning money being taken from my account ( approximately a couple of months ago, right before my daughter 's birthday ), I directly disclosed to the Bank of America representative that I was crying, XXXX XXXX and XXXX XXXX XXXX  and self-harm due to the financial distress caused by the bank 's actions. The representative, upon hearing this direct disclosure of suicidal ideation, failed to follow any institutional crisis protocol, failed to advise me to seek help, and failed to connect me to any XXXX XXXX resources. This profound disregard for consumer welfare constitutes an EGREGIOUS BREACH OF THE BANK 'S DUTY OF CARE, directly linking their financial misconduct to the endangerment of a customer 's life. \nContradictory Regulatory Stance ( Control the Narrative ) : The bank 's internal processes create a contradictory regulatory stance. While the serious, high-value fraud against my account likely triggered an internal Suspicious Activity Report ( SAR ) treating me as the source of suspicionthe bank simultaneously forced my official complaint into a low-priority \" Dispute '' category. This dual action is a deliberate attempt to control the regulatory narrative and shift liability.\n\nMishandling of Funds : As a direct result of the misclassification and delay, the bank has failed to properly isolate, remove, or trace the fraudulent funds, leaving the unauthorized {$39.00} commingled in my account. \nDesired Resolution : I require immediate escalation to a fraud compliance officer to properly classify and investigate this claim and remove the funds. Furthermore, I demand that the CFPB initiate a full, independent, third-party forensic audit of Bank of Americas entire Regulation E compliance, internal SAR filing protocols, and its crisis response procedures. Given the systemic nature of this fraud, the institutional cover-up, and the severe breach of duty of care, I demand that the CFPB use its authority to facilitate the immediate connection of the victim with suitable class action counsel to pursue structural remediation and a class-wide remedy for all affected consumers. We demand mandatory civil penalties for these systemic violations.","date_sent_to_company":"2025-11-26T04:30:25.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"30143","tags":null,"has_narrative":true,"complaint_id":"17534605","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-11-26T04:20:08.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["of America account received an unauthorized ACH DEPOSIT of {$39.00} on XX/XX/year>XXXX  with the descriptor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is a clear case of potential <em>identity</em> <em>theft</em> using my name."]},"sort":[14.920709,"17534605"]},{"_index":"complaint-public-v1","_id":"11898867","_score":14.82704,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a formal complaint against Early Warning Services ( EWS ) for failing to provide proof of alleged fraud, violating due process rights, and refusing to comply with FCRA ( 15 U.S.C. 1681 et seq. ) and UCC 9-210 ( Request for Accounting in Secured Transactions ).\n\nDespite my lawful demand for verification and correction of my credit report, EWS has : Failed to provide verifiable proof of any alleged fraudulent activity connected to me.\n\nFailed to respond to my UCC 9-210 request for a full accounting of any alleged debts or obligations.\n\nRefused to correct erroneous information in violation of FCRA 611. \nContinued to report inaccurate derogatory accounts and inquiries, negatively impacting my financial standing. \nI have attached my FTC Identity Theft Report ( Report XXXX. XXXX ), which confirms that fraudulent accounts have been reported under my identity. Despite this evidence, EWS has not provided any supporting documentation to substantiate its claims, in direct violation of my rights under federal and state consumer protection laws. \n\nSummary of Violations : Failure to Provide Proof of Alleged Fraud ( Due Process Violation ) Early Warning Services has reported fraudulent accounts in my name but has failed to provide evidence supporting these allegations. \nUnder UCC 9-210, I have the right to request a full accounting of any alleged obligations, including verification of financial records proving any liability against me. EWS has refused to comply.\n\nMy FTC Identity Theft Report confirms that fraudulent accounts have been reported in my name. EWSs failure to acknowledge this violates due process rights under the Fifth and Fourteenth Amendments.\n\nFailure to Investigate and Correct Disputed Information ( FCRA Violations ) Under FCRA 611, EWS is required to conduct a proper reinvestigation and correct or delete any inaccurate or unverifiable information within 30 days. \nThe following fraudulent accounts remain on my report without verification : XXXX  XXXX XXXX Accounts : XXXX, XXXX XXXX  XXXX XXXX XXXX  Account : XXXX XXXX XXXX  Account : XXXXXXXX XXXX XXXX  Accounts : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Access Number : XXXX EWS has not provided any supporting documentation that proves the accuracy of these accounts, which means they must be deleted immediately per FCRA guidelines. \nFailure to Notify Furnishers of Disputed Information Under FCRA 1681s-2 ( a ) ( 8 ) ( E ), EWS must notify all furnishers when a consumer disputes an account.\n\nEWS has failed to notify the appropriate institutions, allowing fraudulent and incorrect information to remain on my file.\n\nAdverse Action Notice Violations ( 12 CFR 1002.2 ) EWSs failure to correct or remove fraudulent and disputed data has resulted in adverse actions against me without proper notice, violating Regulation B ( 12 CFR 1002.2 ).\n\nLegal Basis for My Complaint : UCC 9-210 Requires full accounting and verification of any alleged obligations.\n\nFCRA 611 ( 15 U.S.C. 1681i ) Mandates timely reinvestigation and correction of consumer credit data. \nFCRA 623 ( 15 U.S.C. 1681s-2 ) Requires credit reporting agencies to ensure the accuracy and completeness of consumer credit files.\n\nCushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) Credit reporting agencies must conduct reasonable investigations.\n\nDennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) Credit bureaus must properly verify disputed items.\n\nShaw v. Experian Information Solutions , Inc., 891 F.3d 749 ( 9th Cir. 2018 ) Consumers have the right to accurate reporting, and agencies must correct errors promptly. \nNOTICE TO SETTLE & AFFIDAVIT OF CEASE AND DESIST This serves as a formal Notice to Settle. I am willing to resolve this matter amicably through a fair settlement. However, if no resolution is reached, I will take legal action against Early Warning Services for willful noncompliance with federal law.\n\nAdditionally, I am issuing an Affidavit of Cease and Desist, demanding that EWS : Cease all reporting of inaccurate and unverifiable data immediately.\n\nProvide full proof of any alleged fraudulent accounts or obligations in my name. \nRefrain from further unauthorized sharing of my consumer information with third parties. \nCease and desist from any further unlawful adverse actions against me. \nFailure to comply will result in federal legal action and complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and Office of the Comptroller of the Currency ( OCC ) for regulatory enforcement and possible monetary penalties against EWS.Early Warning Services has engaged in unlawful reporting practices, causing financial harm and reputational damage. I demand immediate corrective action. If my requests are ignored, I will pursue legal action for all violations of FCRA, UCC 9-210, and consumer protection laws.\n\nThank you for your prompt attention to this matter. Please respond in writing to my mailing address within the legal 30-day timeframe. \n\nSincerely, /S/ XXXX R. XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-02-07T18:43:31.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"11898867","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-02-02T04:48:26.000Z","state":"LA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Continued to <em>report</em> inaccurate derogatory accounts and inquiries, negatively impacting my financial standing. \nI have attached my FTC <em>Identity</em> <em>Theft</em> <em>Report</em> ( <em>Report</em> XXXX. XXXX ), which <em>confirms</em> that fraudulent accounts have been <em>reported</em> under my <em>identity</em>. Despite this evidence, EWS has not provided any supporting documentation to substantiate its claims, in direct violation of my rights under federal and state consumer protection laws."],"issue":["Improper use of your <em>report</em>"],"company":["Early <em>Warning</em> Services, LLC"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[14.82704,"11898867"]},{"_index":"complaint-public-v1","_id":"13616890","_score":14.767682,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dispute Letter for Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX SSN : XXXX Consumer ID : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX Early Warning Services XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Subject : Dispute of Fraudulent Accounts and Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute several accounts listed in my Early Warning report that I did not open or authorize. I have * * never opened or used * * the accounts identified in your report. These accounts are the result of identity theft and must be removed from my file immediately. \nUnder the Fair Credit Reporting Act ( FCRA ), I am asserting my rights under the following provisions : - * * 15 U.S.C. 1681c-2 * * : You are required to block information resulting from identity theft upon proper notice and documentation.- * * 15 U.S.C. 1681g * * : I have the right to a complete and accurate disclosure of my file.- * * 15 U.S.C. 1681i * * : You are obligated to reinvestigate and delete unverifiable or fraudulent information. \nI previously submitted an FTC Identity Theft Report and police report documenting the fraud. In light of this evidence, I request the immediate removal or permanent blocking of all accounts, transactions, and inquiries that are not directly associated with me or my legitimate activity. Please confirm in writing once the fraudulent data has been deleted or blocked from your records. \nFRAUD ACCTS Reporting Accounts Summary Bank Name : XXXX XXXX XXXX  Routing Number : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Status : Closed for cause / unpaid ( Account Abuse ) Loss : {$170.00} Bank Name : XXXX XXXX Routing Number : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Status : Closed for cause / unpaid ( Account Abuse ) Loss : {$1300.00} Bank Name : XXXX XXXX XXXX ( now XXXX ) Routing Number : XXXX Account Number : XXXX Open Date : Unknown Close Date : XX/XX/XXXX ( incident date ) Status : Unpaid ( Account Abuse ) Loss : {$730.00} Bank Name : XXXX XXXX XXXX XXXX Routing Number : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Status : Closed for Cause Loss : Multiple overdrafts Bank Name XXXX XXXX XXXX XXXX XXXX XXXX Routing Number : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Status : Closed-Purged ( short-lived account ) Loss : XXXX XXXX Name : XXXX XXXX Routing Number : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Close Date : Unknown Status : Post No Debits/ Closed for Cause Loss : Repeated overdrafts Bank Name : XXXX XXXX XXXX XXXX Routing Number : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Failure to comply may result in further complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and other legal remedies. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-20T14:15:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33435","tags":null,"has_narrative":true,"complaint_id":"13616890","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2025-05-20T13:44:52.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["I have * * never opened or used * * the accounts identified in your <em>report</em>. These accounts are the result of <em>identity</em> <em>theft</em> and must be removed from my <em>file</em> immediately."],"issue":["Incorrect information on your <em>report</em>"],"company":["Early <em>Warning</em> Services, LLC"]},"sort":[14.767682,"13616890"]},{"_index":"complaint-public-v1","_id":"6813495","_score":14.64763,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX I went to a local Truist Branch ( XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ) to open a Truist Confidence account. I deposited {$100.00} cash, {$4000.00} via check. The Banker did a quick check on me and asked if I wanted to pursue a mortgage or credit card with Truist based on her initial positive findings on me. I declined and stated I just needed a bank account for graduate school loans to be deposited into. I was given account information, provided it to my university, and everything was approved. On Tuesday XX/XX/XXXX I logged into the Truist app and was informed that my account was restricted. I immediately stopped the direct deposit for student loans and called the provided number for Truist XXXX and was told that my account was restricted due to \" suspected fraud '' detected by Early Warning ( an external corporation who does extensive checks on individuals that is used by most national banks ) who could be contacted at XXXX. I asked Truist what fraud was disclosed and they said they could not provide information over the phone but could schedule an in person appointment with a banker who could help me. I called Early Warning and they told me Truist would have to help me but they could send me a report detailing what they disclosed to Truist in 15 days. I requested the Early Warning report and called Truist back to set up an appt for Friday XX/XX/XXXXXXXX I have called Early Warning 5 times. Early Warning has stated that they provided my banking history to Truist and the decision to restrict an account or hold funds is determined by the financial institution. On my XX/XX/XXXX appointment and over the phone, Truist is telling me that Early Warning informed them of \" something '' that is a red flag causing the account to be restricted. I have requested multiple times but Truist will not tell me what the restriction is based on or what information they received. When I visited the Truist branch on XX/XX/XXXX, they informed me that they would be force closing the account and mailing me a check in an undisclosed amount of time. I asked if I could come to the branch and pick up the check or cash for the funds. They told me that the check funds would be held until XX/XX/XXXX and after 7 additional business days, I could return to the branch and withdraw all funds in cash. I asked why there was a delay and they said the additional 7 business days would allow them to feel confident the {$4000.00} check written to me from my parents had cleared my family bank account and could not be stopped or returned. They could not tell me why the account is being closed but I was satisfied with knowing I could get my funds after 3 weeks on hold. On XX/XX/XXXX, I spent XXXX hours at the branch requesting my funds. The banker reached out multiple times to \" someone in the back office who placed a restriction on my account '' and the person did not answer phone calls or internal communication requests. After multiple attempts to escalate the situation internally and many phone calls, they told me they needed confirmation from Early Warning that my SSN was clear before they could release my funds. \n\nOn XXXX I called Early Warning and they reviewed the mailed report with me while I was in the branch parking lot and they stated that there are no red flags, negative findings, or anything to dispute attached to my name or my SSN. The only finding on the report is my attempted account opening with Truist. They confirmed that this is the only information they provided to Truist and told me they do not know why Truist has restricted my account or withheld my funds for this amount of time. I emailed my Early Warning consumer report to Truist. They attempted to escalate and then told me the restriction could not be overturned unless I provided a notarized letter from my parents financial institution confirming I was the intended recipient for the funds, the check amount, confirmation the check had cleared the account, and confirmation that no stop or hold could be placed on the check. The check was deposited 3 weeks ago but my family financial institution provided the letter. Truist reviewed and stated the restriction could not be overturned and my funds would still be held. I expressed great disappointment and they made multiple calls and attempted escalations. Eventually, they also requested a notarized bank statement showing ALL transactions from my parents account for the month of XXXX to confirm the check came from them and had cleared their account. My parents reluctantly sent this over as well. Truist reviewed and refused to return my funds. They asked that I request a comprehensive credit report because they are \" certain I am the victim of identity theft or connected to some type of fraud '' so I requested a report from XXXX, XXXX, and XXXX. All organizations have confirmed that there are no negative findings associated to my SSN. I am not sure what this has to do with me obtaining funds deposited via check 3 weeks ago but Truist reviewed all of this information and stated they can not return my funds at this time and do not know when they will be able to. The {$4000.00} check was issued by my parents and cleared their account prior to XX/XX/XXXX. As of XX/XX/XXXXXXXX  I have provided Truist with multiple notarized documents, the consumer report from Early Warning, and confirmed the contents of all credit reports. They will not tell me why my account is restricted, how it got restricted ( other than blaming Early Warning who have reassured me my report is clean ) and they continue to tell me they can not return the money at this time. After XXXX hours in the branch and providing all requested documents, I informed them that I would be filing a complaint with the FDIC. They asked me not to and stated that they can escalate internally and \" hopefully return my funds soon ''. I stated I still intend to file a complaint and then they apologized and said if I can give them a few more days to \" follow the chain of command '' they can schedule another in person appointment and will personally help me file an internal complaint instead of reaching out to the FDIC. \n\nI am frustrated and genuinely concerned that negligent or criminal behavior is occurring within this institution. After multiple meetings with Truist, nobody can tell me why the funds are being restricted, when the restriction will be lifted, or when I will be able to obtain my funds. Initially on XX/XX/XXXX they said I would receive a check in the mail. When I visited the branch on XX/XX/XXXX and XXXX, they called the internal financial crimes team and check fraud team with no improvement on the situation. During internal/back office communication they are unable to obtain clear guidelines or protocol for how to lift the restriction. They are repeatedly asking me to wait or provide more information. Even after receiving the notarized bank statement and letter from my parent 's financial institution the back office stated this is not sufficient to lift the restriction. I witnessed multiple internal transfers where the person on the phone says they have no record of the request and do not know anything about this restriction on my account. I am worried Truist has stolen my funds. I asked what else was needed and they could not tell me. I expressed a desire to escalate this to a regional or district manager and they did not provide any contact information and kept reiterating that they are \" just trying to help me ''. The bankers said they will help me file a complaint \" soon '' and they are confident they can escalate this and return my funds \" soon '' but nobody has helped me file a complaint, provided contact information for me to escalate this by myself, and they will not give me any real, clear information. I have received a notice in the mail from Truist stating that my account is active and the {$4100.00} are available but when I go to a branch they will not give me the funds and can not tell me why. The more I press them for the funds and request information, they keep telling me \" maybe someone stole your identity and Early Warning, XXXX, XXXX, XXXX can not see it but something is on your record and you will not be able to open any accounts at a bank or obtain any loans ''. I was just approved for graduate student loans ( hence me opening the account to begin with ) so I say \" do you see that in the system, can you tell me where that information was reported '' and they say they can not disclose anything or tell me any information and they do not know what is going on. The only thing they know for sure is that they can not give me my money back. During this time, I opened an account with another financial institution with no issues. The other financial institution confirmed that my background check was clean with no adverse findings. This concerns me even more than Truist could be doing something negligent, criminal, or discriminatory and is wrongfully withholding my funds. I do not want this account with Truist. I just want my money back. Please help me.","date_sent_to_company":"2023-04-08T18:50:21.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"32839","tags":null,"has_narrative":true,"complaint_id":"6813495","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2023-04-08T17:59:23.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Eventually, they also requested a notarized bank statement showing ALL transactions from my parents account for the month of XXXX to <em>confirm</em> the check came from them and had cleared their account. My parents reluctantly sent this over as well. Truist reviewed and refused to return my funds. They asked that I request a comprehensive credit <em>report</em> because they are \" certain I am the victim of <em>identity</em> <em>theft</em> or connected to some type of <em>fraud</em> '' so I requested a <em>report</em> from XXXX, XXXX, and XXXX."]},"sort":[14.64763,"6813495"]},{"_index":"complaint-public-v1","_id":"10708763","_score":14.170421,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To whom it concerns, Early Warning Services has allowed companies to inquiry on my consumer report with Early Warning Services, They have also allowed fraudulent reporting on my consumer credit file. EWS is a consumer reporting agency that reports on banking history and bank accounts being opened. At this time, They have not resolved my issue. EWS has Rescinded the block on all of the accounts listed below. I provided an Identity Theft Affidavit, and a Police report which shows I am a victim of Identity Theft. I did not authorize these accounts and I did not complete any applications for these accounts. I did not authorize any of these companies to inquiry on my early warning reports either. XXXX XXXX XXXX XXXX opened these accounts with a fraudulent phone number, and fraudulent addresses. I did not receive any checks, Debit Cards, nor any monetary benefits from these accounts. I have never opened a membership with XXXX XXXX. I have not opened any accounts with XXXX XXXX and in fact they confirmed Identity fraud, yet continue to report accounts inaccurately that were opened from an identity thief. Bank XXXX XXXX admitted to me being a victim and still opened these accounts without my permission or consent. I did not provide XXXX  XXXX XXXX with any Identification, and I did not sign any applications. Lastly, the XXXX accounts were all closed and confirmed as identity fraud from XXXX XXXX. I have postal letters on company letter head confirming such. XXXX Accounts were not opened nor authorized by me. I believe that the inaccurate reporting that resulted from Fraudulent applications, and Forgery and Debit transactions I never authorized should immediately be blocked. When rescinded EWS states they do not have access to any Documentation from the XXXX. Yet they have rescinded the block and I have not provided any material misrepresentation or misinformation. I am a vicitm of identity theft and these accounts should remain BLOCKED I did not authorize, nor provide my permission or information to these companies. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-11-07T17:09:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"75087","tags":null,"has_narrative":true,"complaint_id":"10708763","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2024-11-07T17:01:03.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["To whom it concerns, Early <em>Warning</em> Services has allowed companies to inquiry on my consumer <em>report</em> with Early <em>Warning</em> Services, They have also allowed fraudulent <em>reporting</em> on my consumer credit <em>file</em>. EWS is a consumer <em>reporting</em> agency that <em>reports</em> on banking history and bank accounts being opened. At this time, They have not resolved my issue. EWS has Rescinded the block on all of the accounts listed below."],"issue":["Incorrect information on your <em>report</em>"],"company":["Early <em>Warning</em> Services, LLC"]},"sort":[14.170421,"10708763"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":81,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":81}]}},"product":{"doc_count":81,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":48,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":45},{"key":"Other personal consumer report","doc_count":3}]}},{"key":"Checking or savings account","doc_count":11,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":9},{"key":"Other banking product or service","doc_count":2}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":8,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":8}]}},{"key":"Debt collection","doc_count":8,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card debt","doc_count":4},{"key":"I do not know","doc_count":2},{"key":"Auto debt","doc_count":1},{"key":"Telecommunications debt","doc_count":1}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Mobile or digital wallet","doc_count":1},{"key":"Virtual currency","doc_count":1}]}},{"key":"Bank account or service","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other bank product/service","doc_count":1}]}},{"key":"Credit 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