You would like to dispute something in your Early Warning File Disclosure

When should you dispute information in your file disclosure?
If you believe any information in your Early Warning file disclosure is incomplete or inaccurate, you may dispute that information by contacting us at 1-800-745-1560. Early Warning does not charge a fee for investigating disputed information.

How long does the dispute process take?
Under the Fair Credit Reporting Act, Early Warning has up to thirty (30) calendar days to complete the dispute process (unless otherwise required by applicable state law). However, most disputes are completed in less than thirty (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 file disclosure. You will be notified in writing, by U.S. mail or email, 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 but Early Warning’s reinvestigation did not resolve your dispute, you may file a brief rebuttal statement setting forth the nature of your dispute.

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 indicated in the Contact Information section of your file disclosure. 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.

How to dispute information in your file disclosure
If you believe your file disclosure contains incomplete or inaccurate information, you may dispute such information by contacting us at 800-745-1560 for more information. Early Warning does not charge a fee for investigating disputed information.

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

• Your consumer ID number, found on the first page of your file disclosure
• A description on the specific information that is inaccurate or incomplete (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, 9 a.m. – 8 p.m. EST, 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 dispute 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 secure transfer 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, 9 a.m. – 8 p.m. EST, Monday through Friday.

What happens after you send your written dispute?
Early Warning will submit the information you provide to the financial institution that furnished the information you are disputing. The financial institution will review your dispute and supporting documentation and will then respond to Early Warning with its decision regarding whether the dispute information is accurate, needs to be updated, or should be deleted. Upon receiving a response from the financial institution, Early Warning will review the response and all documents related 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 or email, 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 file disclosure, 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 rebuttal statement setting forth the nature of your dispute.

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 indicated in the Contact Information section of your file disclosure. 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.