Consumer complaint received 2020-02-01
Company: HW Holding, Inc
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is a complaint follow up to CFPB Complaint ID XXXX AND XXXX. As of XX/XX/XXXX, The debt collection agency HUNTER WARFIELD continues to knowingly and intentionally report false and inaccurate information about me. They have been notified multiple times by letter and phone that this is not my debt and they are negatively impacting my life. They continue to pursue a debt that is not mine, continue to lie to me about the law and what information I am legally required to provide to them, which is nothing since this is not my debt. 

I believe this business is engaged in deliberate and intentional violations of credit reporting laws, both federally and locally, as well as violating my rights as a consumer. I also believe that this business has failed to take even simple steps to ensure the information they are collecting, analyzing, and disseminating are accurate, true, and can be proven. HUNTER WARFIELD continues to violate my rights. The debt they are attempting to collect is not mine and HUNTER WARFIELD should remove and request expungement of any communication or documents they have had with third parties regarding me, this includes but is NOT limited to information provided to credit agencies about this debt that is not mine. 

Below is more information obtained after filing the previous two CFPB complaints which show HUNTER WARFIELD, knowing that this is not my debt, engaged in threatening, illegal, and intimidating tactics to collect a debt that I do not owe. 

On XX/XX/XXXX, while attempting again to contact HUNTER WARFIELD and understand why they are continuing to report false and inaccurate information about me to the credit agencies, I was told by XXXX ( 'legal team manager ' ), after providing him with my account number and verifying my name, date of birth, and the reason I am calling, he asked me to provide multiple pieces of private information to 'verify ' who I am, then proceeded to tell me he was terminating the call because I won't provide additional information to them. 

Then, I called back and 'office manager XXXX ' came on the line and said that she 'was going to have to block your number ' from calling into HUNTER WARFIELD . I inquired why and XXXX stated because I have already spoken to several people. I explained to her that HUNTER WARFIELD is intentionally submitting false and inaccurate information about me to third parties, including credit agencies. XXXX said 'ok well I am going to hang up now ' or words to that affect. Then she disconnected the call. 

Earlier, prior to XXXX and XXXX, I spoke with 'compliance employee ' XXXX XXXX , who accused me multiple times of owing the debt and stated several times that I had one of two options only, 'to file a fraud claim with us and fill out paperwork or elaborate on why this debt is not yours ', or words to that affect. I explained to XXXX that I was not filling out anything and not providing any additional information to HUNTER WARFIELD even though he insisted that I am required to provide additional information and fill out paperwork with HUNTER WARFIELD. I explained that HUNTERWARFIELD has already not shown due diligence and taking basic steps to ensure the information that they are obtaining is accurate, true, and provable, why would I provide them with additional information about me when they are inaccurately reporting serious derogatory, hurtful, and life-impacting comments. 

I also continued to inquire with XXXX why I would have to provide any additional information to them when it is not my debt. XXXX told me this is part of the process and only options I had. I asked him if I am legally obligated to do this, XXXX stated no. I further asked if this was HUNTER WARFIELD procedure and he stated yes. I told him I don't have to follow HUNTER WARFIELD procedure, XXXX stated if I want this resolved that I do and will need to provide them more information. He was attempting to intimidate me to cooperating which I am not willing to do. he was telling me that if I don't do these things, that he will leave everything on my credit report because this is my debt. These are illegal and threatening practices. I felt and feel threatened and believe HUNTER WARFIELD is continuing to intentionally inflict emotional distress and worry regarding something that is not mine. this is not my debt XXXX, throughout the conversation kept attempting to obtain information from me that I continued to explain I was not comfortable providing any additional information. 
XXXX also told me during a phone call we had during the XXXX to XXXX hour on XX/XX/XXXX, he told me that there was additional 'evidence ' and 'documents ' that HUNTER WARFIELD has and has had in their possession regarding this debt they are attempting to collect and XXXX also stated to me that all of the information and evidence he had in the file was not disclosed to me when I requested it and they supposedly sent 'validation of debt ' to me in the latter half of XXXX. I responded to that 'validation of debt letter ' with a letter I sent to HUNTER WARFIELD , that I can provide the XXXX for proof, which stated the documents they provided did not prove a debt and not to report this false information to credit bureaus. hUNTER WARFIELD reported it anyway, and then XXXX says that there is additional documents that HUNTER WARFIELD has been withholding from me. XXXX stated approximately 5 or 6 documents that he supposedly have. I again told XXXX that I have never seen those documents or information that he was referring to and that I can not make a comment on those documents because I do not see them or have them in front of me, so I don't know exactly what he was talking about. 

XXXX told me that I had to answer his questions, which I continually denied answering his questions because this is not my debt and HUNTER WARFIELD has already caused immense stress on my life and defamed my character with at least three third party agencies. HUNTER WARFIELD has acted aggressively and inappropriately as a debt collector by threatening and intimidating me, refusing to transfer me to the correct person to speak with, being threatened by the debt collector to block my calls, knowingly and intentionally reporting false information to third party credit agencies. They continue to cause me harm in my life and I am urging them to stop this aggressive, unlawful, and inappropriate action immediately as well as remove false, negative, and derogatory statements about me from my credit report. This debt is not mine. 

HUNTER WARFIELD should immediately cease this unlawful and unethical behavior and hurtful actions.

Company response to consumer: Closed with explanation