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Your Consumer Report


CONSUMER REPORT


LET'S GET YOUR QUESTIONS ANSWERED


YOUR CONSUMER REPORT

1

You may have recently received a check from your financial institution. If you
have questions specifically regarding the check, please call your Financial
Institution. If the notice you received did not state that the account was
closed as a result of information provided by Early Warning and you have
questions regarding the notice we recommend that you contact your financial
institution directly. If the notice states that the account was closed as a
result of information provided by Early Warning, and/or you wish to obtain a
copy of your consumer report or have concerns about Identity Theft, please
continue down this page for instructions on how to obtain your consumer report.


HOW TO CHECK YOUR BANKING HISTORY

When banks see new applicants to their institutions or a merchant is determining
whether to accept a check, they may look to consumer reporting agencies, like
Early Warning, to help them better understand the consumer’s banking history.

By using data provided to us by thousands of financial institutions (FIs) across
the United States, Early Warning provides information to participating FIs about
consumers’ banking activity and history to help them detect fraud and assess
risk.

Under the Fair Credit Reporting Act, you are entitled to request a copy of your
consumer report. Early Warning does not charge a fee to send you your consumer
report. Once you receive your report, you should carefully review it to ensure
all of the information is accurate and complete. If your consumer report
contains any information which you believe to be inaccurate or incomplete, you
may contact Early Warning and we will help you understand the report and take
action.

hOW TO REQUEST YOUR REPORT


WHAT BEST DESCRIBES YOUR SITUATION?


YOU WERE DECLINED A BANK ACCOUNT, IT WAS CLOSED OR YOUR PAYMENT WAS DECLINED


YOU WOULD LIKE YOUR EARLY WARNING CONSUMER REPORT


YOU WOULD LIKE TO DISPUTE SOMETHING IN YOUR EARLY WARNING CONSUMER REPORT


WHAT CAN YOU DO?


UNDERSTAND WHO EARLY WARNING IS


ADDRESS ISSUES IN YOUR CONSUMER REPORT


CONTACT EARLY WARNING FOR HELP


WHAT CAN YOU DO?


PRINT FORM TO REQUEST YOUR CONSUMER REPORT AND THEN MAIL, FAX OR SEND
ELECTRONICALLY


CALL EARLY WARNING FOR HELP


WHAT CAN YOU DO?


UNDERSTAND WHEN TO DISPUTE YOUR CONSUMER REPORT


LEARN ABOUT THE CONSUMER REPORT DISPUTE PROCESS


SEND YOUR CONSUMER REPORT DISPUTE TO EARLY WARNING

To request your Early Warning Deposit Score, please call 1-800-745-1560 between
8 a.m. and 5 p.m. Mountain Time, Monday through Friday.

Who is Early Warning? You may have been referred to Early Warning because of
information reported to us by financial institutions about your checking or
savings account history and activity. The entity that referred you to Early
Warning may have made a decision to take action that is adverse to you (such as
declining to open a new bank account or declining to accept a payment). This
decision was made by the entity that referred you to us, and not by Early
Warning.
Early Warning is a nationwide consumer reporting agency that complies with
applicable provisions of the Fair Credit Reporting Act (FCRA). We are owned by
seven of the country’s most respected financial institutions – Bank of America,
N.A.; Branch Banking & Trust; Capital One, N.A.; JPMorgan Chase Bank, N.A.; PNC
Bank, N.A.; U.S. Bank, N.A.; and Wells Fargo Bank, N.A. What information is in
your Early Warning consumer report?

Information about you: Your name(s), date of birth, Social Security number,
address(es), phone number(s), etc.

Information about your accounts: Information about your bank account history and
activity, including the bank’s name, account number, account status, account
balance, and transactions on the account.

Inquiries: A list of entities that recently obtained information about you from
Early Warning.

View sample Early Warning consumer report (also known as a file disclosure)

Who has access to your Early Warning consumer report? The Fair Credit Reporting
Act (FCRA) strictly limits who can have access to your Early Warning consumer
report and how your Early Warning consumer report can be used. Such entities
must have “permissible purpose” (as defined by the FCRA) in order to obtain and
use your Early Warning consumer report. How is Early Warning different from
other consumer reporting agencies?

Early Warning is considered a consumer reporting agency. We collect and report
information about your banking account and transaction history.


Other nationwide consumer reporting agencies such as Experian, TransUnion and
Equifax, report information about your credit history. For example, they collect
and report information about your loan paying history and the status of your
credit card accounts. They also report what is commonly referred to as your FICO
credit score. You can learn more, including how to obtain your credit report
from the nationwide consumer reporting agencies, at www.annualcreditreport.com.

Does your Early Warning consumer report affect your credit score?

No, your Early Warning consumer report does not affect the credit scores
generated by the consumer reporting agencies (Experian, TransUnion, Equifax).

Can you place a fraud alert on your Early Warning consumer report?

No. Under the Fair Credit Reporting Act, Early Warning is not required to place
fraud alerts on consumer reports. If you think you’ve been a victim of fraud or
identity theft, you should contact one of the nationwide credit reporting
agencies and place a fraud alert on your credit report.

 * Equifax
 * Experian
 * TransUnion

For more information on fraud alerts, visit the Consumer Financial Protection
Bureau’s website. We want to help you [link to 13.0 Avoid ID Theft, Online Fraud
& Scams] avoid ID theft, online fraud and scams. Once you receive your consumer
report, we urge you to check it carefully for inaccurate or incomplete
information. If you find incomplete or inaccurate information on your report
that you believe was caused by identity theft, please contact us for additional
assistance.

 

Can you place a security freeze on your Early Warning consumer report?

No. Under state laws, Early Warning is not required to place security freezes or
fraud alerts on consumer reports. If you think you’ve been a victim of fraud or
identity theft, you should contact one of the nationwide credit reporting
agencies and place a security freeze or fraud alert on your credit report.

 * Equifax
 * Experian
 * TransUnion

For more information on fraud alerts, visit the Consumer Financial Protection
Bureau’s website. We want to help you avoid ID theft, online fraud and scams.

 

You have a Power of Attorney. Can you request an Early Warning consumer report
for the principal?

Yes, you can request a consumer report for the principal. Please attach a copy
of the power of attorney when you request the consumer report.

Is Early Warning a collection agency?

No. Early Warning is a consumer reporting agency that complies with applicable
provisions of the Fair Credit Reporting Act (FCRA).

Early Warning will never contact you to collect money owed.
How to avoid debt collection scams

 

Can you opt out of Early Warning’s services?

No, you can’t opt out. Under the Fair Credit Reporting Act, Early Warning is
able to provide consumer reports to financial institutions and financial
entities with permissible purpose (as defined by the Act).

Early Warning will not use or sell your personal information for marketing
purposes.

Are we providing the help you need?

We strive to provide exceptional customer service. If you had exceptional
service or we didn’t quite meet your needs, please let us know so we can better
serve you in the future.

By phone
1-800-745-1560, 8 a.m. – 5 p.m. Mountain Time, Monday through Friday

By mail
Early Warning
Attn: Consumer Services
5801 N Pima Road
Scottsdale, Arizona 85250

 

 
Do you owe a bank money for a checking or savings account?

If you already know that you have a negative balance in a bank checking or
savings account, the easiest way to resolve the problem is to contact the bank
directly. The bank will help you understand your options.

You paid the money that you owed. How do you update your Early Warning consumer
report?

Provide a copy of documentation (a paid receipt and/or official letter) from the
financial institution to Early Warning. Early Warning will update your file to
reflect the charge was paid.

Mailing Address
Early Warning
Attn: Consumer Services
5801 N Pima Road
Scottsdale, Arizona 85250

 

Are you unsure if information in your consumer report is causing a bank or a
merchant to decline to do business with you?

We can send your consumer report to you so that you can review your banking
history.
Request your consumer report

How long does information stay on your Early Warning consumer report?

Information stays on your Early Warning consumer report for varying amounts of
time, depending on the type of activity being reported. In accordance with the
Fair Credit Reporting Act, negative records will not be included in your Early
Warning consumer report if they are older than seven (7) years. Items that are
not negative, but neutral or positive (e.g. identity information, account
activity) can be reported on an ongoing basis or indefinitely.

You filed for bankruptcy. How do you update your Early Warning consumer report?

Provide a copy of your bankruptcy discharge paperwork to Early Warning,
confirming that the reported bank account is included in the discharge. Early
Warning will update your file to reflect the current status of the record.

Mailing Address
Early Warning
Attn: Consumer Services
5801 N Pima Road
Scottsdale, Arizona 85250

 

 

 

 

We want to help.  Please choose the contact option that is most convenient for
you.

By phone
1-800-745-1560, 8 a.m. – 5 p.m. Mountain Time, Monday through Friday

By mail
Early Warning
Attn: Consumer Services
5801 N Pima Road
Scottsdale, Arizona 85250

By fax
480-656-6850

In-person
1-800-745-1560
Call to schedule an in-person appointment at our Scottsdale, Arizona office.

 

How to print and complete your identification form

1. Download and print the consumer identification form

Request Report

 

2. Complete, sign and date the form

3. Provide a copy of one these types of identification:

 * Driver’s license
 * ID card
 * Passport
 * Other government-issued identification

If you have a power of attorney and are requesting the consumer report for a
principal, please also include a copy of the power of attorney.

--------------------------------------------------------------------------------


How to send your identification form

By mail
Early Warning
Attn: Consumer Services
5801 N Pima Road
Scottsdale, Arizona 85250

By fax
480-656-6850

Electronically through our secure transfer portal
To send your consumer report to us via our secure transfer portal, go to
consumerservices.earlywarning.com. When prompted for the Early Warning email
address, enter consumerservices@earlywarning.com. Follow the online instructions
to create your User ID and password and upload the documents to be transmitted
to Early Warning. If you need technical assistance with our secure transfer
portal please call 1-877-639-4457.

Our secure transfer portal is solely for sending/receiving documents to Early
Warning Consumer Services that contain sensitive personal information. The
secure transfer portal is not monitored for questions or comments. If you have a
question or comment about your consumer report, please call us at
1-800-745-1560.

--------------------------------------------------------------------------------

Why we request your personal information, including your Social Security number

Early Warning takes the privacy and security of your personal information very
seriously. When you contact us about your consumer report, we may request
certain information to verify your identity prior to releasing such personal
information. We also use this information to generate your consumer report.
Incomplete information may hinder us in responding to your request. The personal
information you provide to us will only be used to respond to your request. We
do not share or sell this information with any unauthorized parties.

--------------------------------------------------------------------------------

What to expect from Early Warning after you’ve made your request

Once your identity has been verified as required by the Fair Credit Reporting
Act, your Early Warning consumer report will be sent to you by U.S. mail or
electronically within fifteen (15) days*, unless otherwise required by your
state of residence (please allow time for U.S. mail delivery).
Consumer reports will be provided to residents of the below states in accordance
with state laws:

 * Rhode Island: 4 business days
 * California, Connecticut and Louisiana: 5 business days
 * Maine: Promptly
    


Due to the sensitive nature of the information contained in your consumer
report, we do not provide this information over the phone.


1-800-745-1560

Call Center Hours: Monday - Friday, 8 a.m. – 5 p.m. Mountain Time.

Due to the sensitive nature of the information contained in your consumer
report, we do not provide this information over the phone.

When should you dispute your consumer report?

If you believe any information in your Early Warning consumer report is
incomplete or inaccurate, you may dispute that information by contacting us.
Early Warning does not charge a fee for investigating disputed information.

 

How long does the consumer report dispute process take?

Under the Fair Credit Reporting Act, Early Warning has up to thirty (30) days to
complete the dispute process (unless otherwise required by applicable state
law). However, most disputes are completed in less than 30 days.

What happens when my dispute is completed?

Depending on the outcome of the dispute, the information may either be removed,
updated or retained on your Early Warning consumer report. You will be notified
in writing, by U.S. mail, of the outcome of the dispute within five (5) business
days of the dispute being completed (please allow time for U.S. mail delivery).

What should you do if you don’t agree with the outcome of the dispute?

If you have already disputed information contained in your file and you do not
agree with the outcome of the dispute, you may add a brief statement setting
forth the nature of the dispute to your consumer report. Your statement will be
included in future consumer reports issued about you.

Your statement must be brief (100 words or less). An Early Warning Consumer
Services Representative can assist you with the length of the statement upon
request. Your statement must not include the names of other individuals or
businesses, and may not contain profanity. Your statement must pertain to the
information contained in your file. You may mail, fax or upload your written
statement to our secure transfer portal. Please include your Consumer ID Number
and indicate the specific item of information to which you want to add the
statement of dispute.

Upon your written request, Early Warning will provide you with a description of
our reinvestigation procedures, including the contact information for any
furnisher of information involved in the reinvestigation of your dispute.

 

 

How to dispute your report

If you believe your consumer report contains incomplete or inaccurate
information, you may dispute such information by contacting us. Early Warning
does not charge a fee for investigating disputed information.

A dispute must be in writing and include all of the following items:

•    Your consumer ID number, found on the first page of your consumer report
•    A description on the specific information that is incorrect (such as the
routing and account numbers or the contribution reference number)
•    A detailed description of why you believe the information is inaccurate or
incomplete
•    Copies of all supporting documentation for each dispute

Written disputes will be submitted to the financial institution that furnished
the information to Early Warning as part of the reinvestigation process.

Colorado residents may file disputes by phone by calling 1-800-325-7775, 8 a.m.
– 5 p.m. Mountain Time, Monday through Friday.

--------------------------------------------------------------------------------


How to send your dispute

By mail
Early Warning
Attn: Consumer Services
5801 N Pima Road
Scottsdale, Arizona 85250

By fax
480-656-6850

Electronically through our secure transfer portal
To send your consumer report to us via our secure transfer portal, go to
consumerservices.earlywarning.com. When prompted for the Early Warning email
address, enter consumerservices@earlywarning.com. Follow the online instructions
to create your User ID and password and upload the documents to be transmitted
to Early Warning. If you need technical assistance with the secure transfer
portal please call 1-877-639-4457.

Our secure transfer portal is solely for sending/receiving documents, with
sensitive personal information, to Early Warning Consumer Services. The portal
is not monitored for questions/comments. If you have a question/comment about
your written dispute, please call us at 1-800-745-1560.

Colorado residents may file disputes by phone by calling 1-800-325-7775, 8 a.m.
– 5 p.m. Mountain Time, Monday through Friday.

What happens after you send your written dispute?
Early Warning will submit the information you provide us to the financial
information that furnished the information you are disputing. Upon receiving a
response from the financial institution, Early Warning will review all documents
relative to your dispute. Depending on the outcome of the dispute, the
information may either be removed, updated or retained on your Early Warning
consumer report. You will be notified in writing, by U.S. mail, of the outcome
of the dispute within five (5) business days of the dispute being completed
(please allow time for U.S. mail delivery).

Due to the sensitive nature of the information contained in your consumer
report, we do not provide this information over the phone.

What to do if you don’t agree with the outcome of the dispute
If you have already disputed information contained in your file but Early
Warning’s reinvestigation did not resolve your dispute, you may file a brief
statement setting forth the nature of your dispute.

An Early Warning Consumer Services Representative can assist you with the length
of the statement upon request. Your statement must not include the names of
other individuals or businesses and may not contain profanity. Your statement
must pertain to the information contained in your file. You may mail, fax or
upload your written statement to our secure transfer portal indicated in the
Contact Information section of this report. Please include your Consumer ID
Number and indicate the specific item of information to which you want to add
the rebuttal statement.

Upon your written request, Early Warning will provide you with a description of
our reinvestigation procedures, including the contact information for any
furnisher of information involved in the reinvestigation of your dispute.

 


DOCUMENTS

Below are documents that you might find to be helpful to support you through the
process.

Example Report

Dispute Checklist

Summary of Rights under the Fair Credit Reporting Act


IDENTITY THEFT & ONLINE FRAUD PREVENTION RESOURCES

Every day, criminals are finding new ways to target consumers for identity
theft, check fraud, online fraud through email and Internet scams, and more.

Here are some of the resources available that provide consumer information and
education to help protect you from becoming a victim of fraud:

 * Consumer Financial Protection Bureau
 * Federal Trade Commission
 * Federal Bureau of Investigation
 * OnGuard Online
 * Identity Theft Resource Center
 * Remedying the Effects of Identity Theft


DISPUTE INFORMATION FOR SURVIVORS OF HUMAN TRAFFICKING

Survivors of Human Trafficking have specific rights under FCRA and Regulation V
Human Trafficking Rule. Survivors of Human Trafficking may submit documentation
to dispute any adverse information that may be a result of Human Trafficking.
Learn more here.


AVOID CREDIT REPAIR SCAMS

You should exercise extreme caution if you are considering using a credit repair
company. There are many steps you can take to repair your credit on your own, at
no cost. The Credit Repair Organization Act (CROA) and many state laws prohibit
credit repair companies from misrepresenting what they can do for consumers and
from charging consumers before they have performed agreed-upon services.

Early Warning supports consumers’ rights to dispute and correct inaccurate or
incomplete information that has been furnished to Early Warning in accordance
with the Fair Credit Reporting Act (FCRA). You may contact Early Warning to
obtain a free copy of your consumer report. You may dispute information you
believe to be inaccurate or incomplete free of charge. Early Warning will never
charge you a fee to obtain a copy of your consumer report, conduct an
investigation of disputed information or remove inaccurate information from your
report.


AVOID DEBT COLLECTION SCAMS

Early Warning does not collect debts on behalf of creditors or debt collection
companies. If you are contacted by a debt collection company claiming to collect
debts on behalf of Early Warning, be aware that the request is not legitimate.

Visit the Consumer Financial Protection Bureau’s website to learn more about
debt collection scams.

Early Warning Services, LLC, a financial services technology leader, has been
empowering and protecting consumers, small businesses, and the U.S. financial
system with cutting-edge fraud and payment solutions for more than three
decades. We are also the company behind Zelle®, and the soon-to-launch PazeSM, a
wallet that reimagines e-commerce payments. Early Warning partners with more
than 2,500 banks and credit unions to increase access to financial services and
products, and protect financial transactions. 


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*In accordance with the Fair Credit Reporting Act, your consumer report will be
sent to you within 3 calendar days if you notify Early Warning that you have
been a victim of identity theft and you provide the information required by the
Act.

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