Consumer complaint received 2018-02-14
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX I filed a XXXX XXXX XXXX  complaint against Hunter Warfield in regards to an collection account that continue to fail at validating. On XX/XX/XXXX I received an email from XXXX XXXX from Hunter Warfield concern this collection account. I just want the CFPB aware of all interaction between this company and this consumer. Below is the XXXX complaint Case XXXX, XX/XX/XXXX, I noticed a collection account on my credit file in regard to XXXX XXXX XXXX in the amount of {$5700.00}. I filed a XXXX XXXX XXXX  Complaint Case # XXXX letting XXXX XXXX XXXX know that I do not have a contractual agreement with them and I was not signing a consumer release form. So, on XX/XX/XXXX CFPB # XXXX I reiterated that I did not have a sign contractual agreement with them and to provide me necessary documentation that I have a contract with XXXX XXXX XXXX. XXXX XXXX XXXX failed to validate an alleged debt with this consumer and is causing defamation to this consumer credit report and name and would like the Consumer Financial Protection Bureaus to have XXXXXXXX XXXX XXXXXXXX to be remove from this consumer credit reports. So, on XX/XX/XXXX I filed another Consumer Financial Protection Bureau complaint # XXXX to let XXXX XXXX XXXXXXXX know I do not owe this allege debt or the erroneous charges that were providing to me and to let them know that if they did not comply with the FCRA and FDCPA that I will be filing a FTC complaint which I did reference # XXXX and a Attorney General Complaint which I did case # XXXX. Since filing the XX/XX/XXXX complaint with the CFPB there has been other complaints with the CFPB Complaint # XXXX on XX/XX/XXXX, Complaint # XXXX on XX/XX/XXXX. XXXXXXXX XXXX XXXXXXXX deleted the information from off my credit report and re-inserted back on my credit report in XX/XX/XXXX. The reinsertion of previously deleted information is governed under FCRA 611 ( a ) ( 5 ) (  B ). It only applies to information that has been previously deleted due to lack of verification which it was deleted. XXXX XXXX XXXX has continued to report inaccurate information against my report and my wife 's report. XXXX XXXX XXXXXXXX has continued to attempt to collect debt they know is not valid. Multiple of disputes in regards this issue have been filed over this, including several other disputes with the CFPB. In addition, XXXXXXXX XXXX XXXXXXXX deleted the information off of XXXX  and XXXX  but will not delete from XXXX for the second time and also in the week of XX/XX/XXXX to XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX has added to my wife credit report on XXXX   when it has been reporting on my credit report since XX/XX/XXXX. XXXXXXXX XXXX XXXXXXXX have blatantly broken the law in accordance to the FDCPA and FCRA guidelines. On more occasion, I have tried to resolve this issue with them, but they refuse to follow the law in regard to this issue. The account needs to be removed. They have stated that documents have been mailed to me which is false. I have not received nothing since this account being on my credit file only through the CFPB and documents are very hard to read. This company said several times they are about professionalism, but it is obvious that they are not. They have been deceitful, dishonest, and unprofessional in the manner that they have handled this issue from day one. I feel like the only course of course of action is to file a civil suit which my attorney has drafted up and will present with my signed petition. I am tired of dealing with this company and this issue. They have made this process very difficult and is causing my wife and I emotional distress. I also have provided proof to my lawyer that they deleted the items from two reports but not the other credit reporting agencies. If they were sure that the account belong to my spouse and I why did they remove them from my husband and only put it back on one and also just added to my wife in XX/XX/XXXX when it has been reporting on mines since XX/XX/XXXX. This is what I mean by dishonest and unprofessional business ethics and practices. They have stated that they have rights to collect but they indeed DO NOT by right and provisions provided to consumer under FDCPA and FCRA. This blatant and disregard for the law is what is have me want to seek damages from XXXXXXXX XXXX XXXX with filing legal suit against them. 

I have also reach out to XXXX XXXX several times by phone trying to resolve this matter. I have been unhung up on several times and have been threatened to be taken to court and also being spoken to very rude and disrespectful. I have exaughted all avenues to try to settled this alledge debt they claim I owe but wont provide an original contract with my wet ink signature. 
Also, XXXXXXXX XXXX XXXXXXXX claimed they have sent several letters when their actions before does not match their response previously. They continue to be dishonest and unprofessional regarding this matter. Like I have mention previously I did file and Attorney General Complaint XXXX and I am in the process of filling in civil court to recoup damages that they have caused. They refuse to do what is right and now I must take the necessary steps to ensure that my character is protected. I did not ask for money in this case, I asked for them to remove their accounts from my credit reports. That is a fair resolution. If they want to do the right things I will like a written statement that the account will be remove from remaining bureaus sent to the address on file through the CFPB. Further collection efforts related to this account will Cease and Desist. Please read attached documents for further thoughts. I have also have attatch documents for Hunter Warfield as well.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation