Consumer complaint received 2017-08-08
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing to report and bring to your attention several gross FCRA and FDCPA violations conductedby Hunter Warfield, a collections agency located in Florida. The actions of Hunter Warfield could  either be categorized by willful, reckless negligence or a total disregard and ignorance of the law, both reasons that has caused and potential to cause unreasonable risk and injury to me. On XX/XX/XXXX, I personally accessed XXXX XXXX and XXXX to retrieve my credit history as I am in the market for shopping for a new home. The reason for my due diligence was to clarify any errors in my credits reports because on XX/XX/XXXX, XXXX XXXX ran a hard inquiry to pre approve me for a loan with an interest rate of over 5 %, which seems excessively but the Loan officer told me that it was due to a collection on my account by Hunter Warfield on XX/XX/XXXX on behalf of XXXX XXXX. I went ahead and disputed the collection on all three credit reporting agencies and it immediately fell off my record on XXXX and XXXX but remained on XXXX. I called XXXX a few days later to ask why the negative info was still on my credit and they told me that the collections agency has 30 days, until XX/XX/XXXX to provide the necessary information for them to adequately do an investigation. So I decided to give Hunter Warfield a call to figure out where this debt originated from and that is when the misconduct by Hunter Warfield associates started happening. I will surmise some of the violations that occurred from XX/XX/XXXX to XX/XX/XXXX. I had my son, XXXX XXXX call on my behalf because I am not familiar the process. I started receiving multiple harassing calls from their agents asking for my credit info to pay the debt. They asked me to provide my full name, address and even social security to be able to pull up my account number. They tried intimidating my son and I when my son told the agent that we were not going to pay and we were going to follow with the dispute process on XXXX. The agent said that is not going to help you. I have never received a letter from Hunter Warfield describing the collections amount, date of first delinquency or who the original creditor. This was my first interaction with them. Hunter Warfield refused to provide date of first delinquency, saying XX/XX/XXXX is when they got the account and that is all they have to report. I never lived at the XXXX XXXX apartment complex. I have lived at my current address since XX/XX/XXXX and have never defaulted on my loan. It seems they are furnishing and reporting old information that does not belong to me. On XX/XX/XXXX, Hunter Warfield pulled a hard inquiry on my account on XXXX. My son found out on XX/XX/XXXX and disputed the inquiry because I never gave consent for Hunter Warfield to  run any type of credit inquiry. On my XXXX alert history, Hunter Warfield misrepresented themselves as an installment loan firm. Why is a collections agency falsely representing themselves as a loan agency to a credit reporting agency? I never asked them for a loan. XXXX should also take more due diligence not to disclose my personal informal to such shady businesses. Hunter Warfield and XXXX violated my privacy and this request was for an impermissible purpose. I had my son put a lock on my credit history account so I do not get any unauthorized inquiries. I am terrified as to what this fraudulent collections agency is capable of if they are bold enough to blatantly break the law with such a sense of impunity. On XX/XX/XXXX, I had my son call in to get the account number of my so called debt of which I will attach the transcript. The agent XXXX ext # XXXX, tried to lie about not having the account number when my son told him he needed the account number to report their action. He finally gave the account number after several attempts. My son asked them why they did a hard inquiry on my account without my consent and the agent said, they do not need my consent to run a hard inquiry on my credit history.The agent also did not have a date of when the so called delinquency happened. My son also asked for the amount on record and XXXX said it {$1300.00}, more than what is reported on Experian. My son asked how is this possible? How does interest accrue on a collections account? XXXX said, as of today, this is the amount that I am required to pay. So now, I am unable to qualify for a decent loan amount with a reputable bank because of Hunter Warfield. I am being inaccurately labeled as a high risk lender which is reflected in the excessively high interest rate I was offered. This is a complete nightmare and I am not able to accomplish my life goals because of this scam company. I am requesting that you investigate the matter and communicate what, if any actions are taken.

Company response to consumer: Closed with explanation