Early Warning Services, LLC

What we know about this broker

Early Warning Services is a nationwide specialty consumer reporting agency (FCRA-covered) co-owned by Bank of America, Capital One, JPMorgan Chase, PNC Bank, Truist, U.S. Bank, and Wells Fargo. It operates the Zelle payment network and maintains deposit-account fraud/check-screening reports used by financial institutions. Confirmed by the CFPB consumer reporting companies list and Privacy Rights Clearinghouse. Because it is an FCRA-covered CRA, it does not offer a standard CCPA opt-out; consumers may request a free file disclosure and dispute inaccurate entries. Contact: phone 800-745-1560; mail Early Warning, Attn: Consumer Services Department, 5801 N. Pima Rd., Scottsdale, AZ 85250; or [email protected] via their Secure Transfer Portal. Authorized agents are accepted conditionally (signed consumer authorization required plus identity verification). id_required: true because FCRA disputes require identity verification. tier=3 / verify.method=manual because no CCPA opt-out exists and removal requires regulatory dispute process. Registered with Vermont as a data broker (source: Vermont registry). Confirmed 2026-06-16.