Consumer complaint received 2021-02-11
Company: HW Holding, Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing a complaint against HUNTER WARFIELD Account # XXXX the Original Creditor : XXXX they are in violation State and Federal laws. Non-compliance violations of FCRA and FDCPA statues on fraudulent extortion. I wrote to HUNTER WARFIELD on XX/XX/XXXX a letter of validation and it was deliver to them on XX/XX/XXXX. They wrote back on XX/XX/XXXX not answering any of the questions or sending any of documents I required. In the letter I wrote they fail to complete the form with questions and documents : CREDITOR/DEBT COLLECTOR DECLARATION Please provide all of the following information and submit the appropriate forms and paperwork within 30 days from the date of your receipt of this request for validation. ______________________________________________________ Name and Address of Alleged Creditor : ______________________________________________________ Name on File of Alleged Debtor : _____________________________________________________________ Alleged Account # : XXXX Address on File for Alleged Debtor : ____________________________________________________________ Amount of alleged debt : _____________________________________________________________ Date that this alleged debt became payable : _____________________________________________________ Date of original charge off or delinquency : ___________________________________________________ Was this debt assigned to debt collector or purchased? XXXX Amount paid if debt was purchased : XXXX Commission for debt collector if collection efforts are successful : Please attach a copy of the agreement with your client that grants XXXX the authority to collect this alleged debt. Also, please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. Please attach a copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor. Please attach copies of all statements while this account was open. Have any insurance claims been made by any creditor regarding this account? YES or NO ( circle one ) Have any judgments been obtained by any creditor regarding this account? YES or NO ( circle one ) Please provide the name and address of the bonding agent for ( Name Of Debt Collector ), in case legal action becomes necessary : XXXX XXXX XXXX XXXX Authorized Signature For Creditor Date __________________________ 2 ) Collection agencies " Re-Age '' my account by reporting the date of last activity instead of the date of XXXX delinquency : Consumer Protection afforded by the FCRA Section 605 ( c ) damages.3 ) They fail to report that this item as disputed debt to the credit bureaus. Protection afforded by the FDCPA Section 807 ( 8 ) fine.4 ) They have validated the debt and still continue to report to the credit bureaus. Consumer protection afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter XXXX from XXXX a fine.5 ) They are reporting my history inaccurately. Defamation, financial injury. U.S. Court of Appeals, XXXX XXXX, XXXX. XXXX, XXXX vs XXXX XXXX. 6 ) XXXX v. XXXX XXXX XXXX, XXXX XXXX, XXXX ( XXXX. XXXX XXXX ), the district court awarded a consumer XXXX for anguish resulting from denials of a mortgage due to inaccurate credit reports. The Sixth CircuiXXXX affirmed. 689 F.2d 72 ( 6th Cir.1982 ). 7 ) Show me that you are licensed to collect in my state. 8 ) ) Provide me with your license numbers and Registered Agent. This is harming me as consumer of reporting inaccurate and errors not only you but the credit bureaus. Who refuses to correct information after provided proof of inaccuracies. Defamation, willful injury. FCRA Section 623 CUSHMAN v. TRANS UNION CORPORATION US COURT of Appeals for the Third Circuit Court Case 115 F3d 220. If this is not removed from all CRA with 15 days we will be pursuing legal actions.

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