If you believe there is inaccurate or incomplete information on your Early Warning consumer report, you may submit a written dispute by using one of the below methods. We do not charge a fee for investigating disputed information.
Electronically through our secure communication portal
Attn: Consumer Services
16552 N. 90th Street
Scottsdale, Arizona 85260
Colorado residents may also file verbal disputes by calling 1-800-325-7775, 8am – 5pm MST, Monday through Friday.
To avoid any delays in processing your dispute, you may find our dispute checklist helpful.
Under the Fair Credit Reporting Act, Early Warning has up to thirty (30) days to complete the dispute process (some states may have varying timeframes). However, most disputes are completed in less than 30 days.
If you have been a victim of identity theft and have a valid report issued from a government agency or police department, the dispute may be eligible for the four (4) day dispute process.
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 US mail, of the outcome of the dispute within five (5) business days of the dispute being completed (please allow time for US mail delivery).
If you do not agree with the outcome of the dispute, you may add a brief statement to your Early Warning consumer report, generally 100 words or less, explaining why you disagree with the decision. Your statement will be included in future consumer reports issued about you.
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.
Early Warning supports consumers' rights to dispute and correct inaccurate or incomplete information furnished to Early Warning in accordance with the Fair Credit Reporting Act (FCRA).
If you wish to obtain Consumer Report Information, please
contact the Consumer Services department at:
Monday - Friday 8:00 a.m. - 5:00 p.m. Mountain Standard Time
Early Warning's Consumer Services department provides interpretation services for over 160 languages.