Consumer complaint received 2023-03-12
Company: HW Holding, Inc
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hunter Warfield, Inc purchased a debt in XXXX under the name XXXX XXXX XXXXXXXX XXXX on consumer in an allegedly owed of XXXX dollars and reported alleged debt on consumer to XXXX the same year. Consumer reached out multiple times to try and correct the issue at hand and consumer later found out on XX/XX/XXXX that Hunter Warfield Inc changed date reported to XX/XX/XXXX in order to harm consumers report. GROUNDS FOR IMMEDIATE DELETION XXXXunter Warfield, Inc intentionally added hundreds of dollars on the amount allegedly owed which is now in the amount of XXXX dollars in an attempt to coerce consumer into paying a higher amount which is a violation of 15 USC 1692e -False and Misleading representation by character, amount and legal status of debt ; services rendered ; threat to take actions that legally can not be taken. GROUNDS FOR IMMEDIATE DELETION Account was charged off by XXXX XXXX XXXX XXXX  in XXXX which zeros out any alleged debt owed. 

Hunter Warfield Inc reported to XXXX as original lender which violates consumer rights by way of misuse of consumer report per 15 USC 1681b. 

Hunter Warfield, Inc violated consumer law 15 USC 1681b ( a ) ( 2 ) by way of transfer of false information to XXXX without the consent of the consumer and in doing so violates 49 CFR subsection 801.56 Unwanted invasion of personal privacy which also violates my right to privacy which I have a right to per 15 USC 1681 ( a ) ( 4 ). 

Hunter Warfield, Inc violated consumers rights by way of extortionate means per 18 USC 894a ( 1 ) ( 2 ).

Hunter Warfield, Inc violated consumers rights by way of coercion by forcing an invalid contract on consumer to which consumer did not enter into with Hunter Warfield , Inc .

Hunter Warfield, Inc violated consumers rights by reporting false, invalid, unverifiable inaccurate information on consumer to XXXX knowing that it would bring harm to the consumer and in doing so violates 15 1692g ( e ) by falsely making a self determination that consumer is in admission of liability for any allegedly owed debt Hunter Warfield , Inc violates consumers rights per 15 USC 1692j by furnishing deceptive forms by coercion that consumer owes Hunter Warfield, Inc anything that could possibly show a preponderance of evidence that a BONA FIDE agreement exists and shall be held liable for damages under 15 USC 1692k.

Hunter Warfield, Inc violates consumers rights per 15 USC 1682a Congressional findings and Declaration of purpose under abusive practice clause Hunter Warfield, Inc violates consumers rights by violating the term debt collector per 15 USC 1692a ( 6 ) by false representation that an instrumentality of interstate commerce for Principal Purposes was valid and due for collection ; That Hunter Warfield, Inc is attempting to collect his or her own debt ; Or the use of an instrumentality of interstate commerce who's Principal Purpose is to enforce a security interest Hunter Warfield , Inc violates consumers rights per 15 USC 1692c ( a ) by way of communicating with the consumer generally without prior consent, directly and indirectly by the non consensual communication of consumers XXXX Consumer Report. 

Hunter Warfield, Inc violates consumers rights by ignoring Cease and Desist letter sent by consumer to Hunter Warfield, Inc upon proof of validation of alleged debt.

Hunter Warfield, Inc violates consumers rights per 15 USC 1692d ( Harassment and Abuse ) through use of criminal means to harm the reputation of consumer through publication ( XXXX ) without meeting the requirements of 15 USC 1681a ( f ) or 15 USC 1681b ( 3 ).

Hunter Warfield, Inc violates consumers rights per 15 USC 1692d ( 4 ) by advertisment for sale of any debt to coerce payment of the debt.

Company response to consumer: Closed with explanation