Consumer complaint received 2021-04-01
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This collection agency is furnishing an alleged debt that is on my consumer report XX/XX/XXXX and XX/XX/XXXX The collection Agency HUNTER WARFIELD which is in XXXX XXXX XXXX XXXX, FL XXXX  has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/XXXX and have not received any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. 

Also i sent a dispute letter toXX/XX/XXXX andXX/XX/XXXX on XX/XX/XXXX asking them to verify the account but i got a response back saying that the account was indeed verified. 

Then on XX/XX/XXXX i sent another dispute to XX/XX/XXXX and XX/XX/XXXX stating that the balance is incorrect between the two credit reporting agencies and they came back and said it was verified. 

XX/XX/XXXXis reporting a balance of {$7700.00} and XX/XX/XXXXis reporting a balance of {$7800.00}. How is this account inaccurate if this alleged debt is coming from the same creditor. the fair credit reporting act clearly states that i am entitled to an accurate credit report and this is definitely not the case. 

Also the account has been re aged by XX/XX/XXXX and will be on my credit report for a lot longer.XX/XX/XXXX Shows the last time the account has been active was on XX/XX/XXXX and XX/XX/XXXX says the account was last active on XX/XX/XXXX. Again more inaccurate reporting which is damaging to my reputation. 

The following laws have also been violated by this company - 15 usc 1692b ( 2 ). Requesting location information from a family member saying i owe such debt - 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication. 

- 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 2 ) The use of profane language which is used to abuse the hearer or reader - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the comsumer owes a debt within 5 business days. 



This company has caused serious harm and damage to myself and my family. This is an alleged debt that has not been proven and is still reporting on my credit report. Also the reporting is clearly inaccurate between equifax and transunion. i plan on seeking monetary relief of over {$10000.00} for FDCPA violations and monetary relief for violations of the Fair Credit Reporting Act. section 616 and 617 for non compliance and negligence.

I have attached the two dispute letters along with debt validation letter.

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