Consumer complaint received 2018-08-06
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HUNTER WARFIELD XXXX XXXX XXXX XXXX, FL XXXX XX/XX/18 Re : Account # XXXX I have received your attempt of validation of the above mentioned account and have several issues to address with your claim that I owe this ALLEGED debt to your organization. 
First, you have not, by any means, managed to prove to me that I owe this alleged to YOUR organization. You have not provided me with a signature that undoubtedly proves that I have some sort of contractual obligation to pay YOU ( OR provided me with a complete statement of accounting as required by law to be considered full and complete validation ). 
Second, you have also not sufficiently proven to me that I owe this alleged debt to ( Creditor Name Here ) by providing me with a copy of a signature on a contract that I supposedly signed ( OR provided me with a complete statement of accounting as required by law to be considered full and complete validation ). You have merely supplied me with copies of alleged bills on the account in question ( OR contract ). This does not sufficiently prove that there is any legal, contractual obligation between myself, your agency or the creditor. 
If you can not provide me with a copy of MY signature on a contract with ( Creditor Name Here ), I submit to you that this debt is unverified and reporting it to ANY Credit Reporting Repository is a direct violation of theFDCPA. Continuing collection attempts on this account can and WILL be considered harassment under theFDCPA. 
( Optional ) Fourth, I do not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged to your organization AND to the original creditor. Your answers were rude and insulting and I WILL be sure to report this negative response to theFTCand theXXXX. This was completely uncalled for as I am acting within MY rights under theFDCPAandFCRA. 
I DO NOT have any contractual obligation to pay YOU at this point as you have failed to provide ANY proof of that. A copy of an alleged bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt. 
I, again, request that your company PROVE to me, beyond a shadow of a doubt, that I incurred this alleged debt by providing to me a copy of my signature on some type of contract. I also request that your company IMMEDIATELY abide by the rules and regulations of theFDCPAand CEASE all collection attempts on this account, including, but not limited to, removing ANY listing on my credit file that may be damaging to my credit status and verifying this information with the credit bureaus. 
I have enclosed another copy of my validation request, as amended and set forth that you now have 15 days to respond before further action is taken on my part. Please note the changes made within the validation request itself and answer ALL questions accordingly, along with providing the information that I have requested. 
Sincerely XXXX XXXX

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