Consumer complaint received 2023-07-11
Company: HW Holding, Inc
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Subject : Complaint against Hunter Warfield , Inc. for Violation of Fair Debt Collection Practices I am writing to lodge a formal complaint against Hunter Warfield , Inc. regarding their violation of fair debt collection practices, which has resulted in significant harm to my creditworthiness. I believe their actions have infringed upon my consumer rights, and I kindly request your intervention to address this matter. 

Recently, I received a letter from XXXX, one of the major credit bureaus, which stated that I had " 3 potentially negative item ( s ) '' impacting my credit score. Alarmed by these negative items, I promptly contacted XXXX for further clarification. To my dismay, I discovered that Hunter Warfield , Inc. had reported delinquent accounts on my behalf to the major credit bureaus. Shockingly, I had never been contacted by Hunter Warfield , Inc. or informed that my account was in collections with them.

In an effort to rectify this situation and protect my rights, I took the initiative to send a Certified Mail letter to Hunter Warfield , Inc. on XX/XX/2023. In this letter, I disputed their claim and requested a validation of debt. Furthermore, I explicitly informed Hunter Warfield , Inc. that their continued reporting of invalidated information to the three major credit bureaus could potentially constitute fraud under federal and state laws. However, I did not receive any validation of debt from Hunter Warfield , Inc. within the required 30-day period or at any time thereafter. 

Recognizing the seriousness of the situation, on XX/XX/2023, I sent another Certified Mail letter to Hunter Warfield , Inc., requesting written documentation demonstrating that they had made a good faith effort to contact me before reporting the debt to the credit bureaus, as stipulated by the Fair Debt Collection Practices Act. Unfortunately, I have not received any response from Hunter Warfield , Inc. to date.

The actions of Hunter Warfield , Inc. have had severe implications for my financial well-being. As a result of their inaccurate reporting, my credit score has been significantly affected. I have experienced loan rejections, denied requests for credit card limit increases, and notable reductions in my credit limits. These adverse consequences are solely the result of the unauthorized and unsubstantiated information reported by Hunter Warfield , Inc .

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions against Hunter Warfield , Inc. for their violation of fair debt collection practices. I seek your assistance in ensuring that Hunter Warfield , Inc. ceases their unfair and unauthorized reporting, provides me with the necessary documentation to dispute these alleged delinquent accounts, and takes responsibility for the damage caused to my creditworthiness. 

Enclosed with this complaint, please find copies of relevant documents, including the letter from XXXX, the Certified Mail receipts for my letters to Hunter Warfield , Inc., and both letters I have sent to Hunter Warfield , Inc . 

I appreciate your prompt attention to this matter and your dedication to protecting consumers ' rights. Please do not hesitate to contact me if you require any additional information or documentation to proceed with this complaint.

Company response to consumer: Closed with explanation