Consumer complaint received 2019-09-22
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Back in XX/XX/XXXX, in need of a new car, I visited the dealership to see if I could get some sort of financing. The sales rep came back with a twisted face and a horrible credit report in his hands saying that my score was XXXX!!!!! The last time I had checked my score it was in the mid 600s and I didnt recognize alot of the information that was in my credit report like collection accounts, credit cards, addresses, and over 80 inquiries! I immediately knew someone had gotten my information and I called all 3 credit bureaus and had a fraud alert placed. I tried disputing with the credit bureaus about all the misinformation, some things were removed. HUNTER WARFIELD refused to move these three collection accounts ( XXXX XXXX XXXX - ACCT # XXXX ) & ( XXXX XXXX - XXXX ) & ( XXXX AT XXXX XXXX - ACCT # XXXX ) and these accounts are almost {$8000.00} and {$9000.00} debt that does not belong to me and is extremely affecting my credit. After advising the credit bureaus that these collections are identity theft and I myself did not enter any contract with anyone to owe these amounts. By XX/XX/XXXX all credit bureaus had contacted me back saying HUNTER WARFIELD had verified the information as accurate! I contacted them immediately asking to provide them a police report and identity theft report and they refused saying I could only add a statement because they have already verified. I ask them to provide me with them information they used to verify the account belonged to me and they told me to contact the company who is requesting the debt! HUNTER WARFIELD IS  REPORTING FALSE INFORMATION TO MY CREDIT REPORT AND REFUSES TO PROVE THESE ACCOUNTS BELONG TO ME! I believe their actions are unlawful, shameful, vile and without merit. With that being said, it is distasteful for them to throw a curb ball of this magnitude, especially when they continuously REFUSE to Validate the Debt which would prove that they have proper ownership of the debt. Therefore, I believe the possible violations are as follow ( s ) but not limited to : 1. The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( c ) : Transactions Not initiated by Consumer. 2. 607. Compliance procedures : ( b ) Accuracy of report ( 15 U.S. Code 1681e ) 3. 616. Civil liability for willful noncompliance ( 15 U.S.C. 1681n ) 4. 616. Civil liability for negligent noncompliance ( 15 U.S.C. 1681o ) 5. Continued to attempt to collect a disputed debt is a FDCPA violation according to FDCPA-Validation of Debts 15 U.S.C. 1692g ( b ) 6. 15 U.S.C. 1692e False or misleading representations 7. 15 U.S.C. 1692f Unfair practices 8. FDCPA-Validation of Debts 15 U.S.C. 1692g 9. Extortion 10. FRAUD by knowingly attempting to execute, any trickery scheme with the intent to defraud a consumer/ debtor. 11. 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material 12. FCDPA-Communicating false credit information-807 ( 8 ) 13. FCDPA-Falsely obtaining information about me-807 ( 10 ) 14. FCDPA-Creditor Misrepresentation of Identity-807 ( 14 ) 15. The debt collector shall cease all collection once the item has been disputed according to FDCPA-Validation of Debts 15 U.S.C. 1692g ( b ) 16.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation