Consumer complaint received 2019-04-17
Company: HW Holding, Inc
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My wife and I leased a townhome from XXXX XXXX in XX/XX/XXXX. I had just accepted a new job in northern KY and we made the deal sight unseen. On XX/XX/XXXX I suddenly and unexpectedly lost my job ( termination letter from employer attached ). On XX/XX/XXXX I turned in a written notice to XXXX XXXX staff ( attached ) informing them that we were moving out on XX/XX/XXXX. We requested a move out inspection and asked to be released from our lease due to my job loss. We were unable to pay any future rent and elected to move out rather than rack up rent that we couldnt pay. We never received a response from XXXX Townhomes. 
My wife received a call from Hunter Warfield stating they were attempting to collect a debt for XXXX XXXX for {$3600.00}. She asked what the charge was for and was told that we did not allow a move out inspection. She told them we did provide for a move out inspection but XXXX XXXX elected not to do an inspection. Hunter Warfield could not provide any explanation for the charges so we assumed they were not legitimate. Hunter Warfield sent a few statements periodically to us with that amount as a charge, again with no breakdown of charges and the amount has been increasing with interest. The interest rate was also not disclosed on the lease agreement. We have not received a statement from them for the past year however they have increased the amount listed on our credit report. That amount is now {$4400.00}. 
In XX/XX/XXXX we applied for credit and found out that Hunter Warfield had reported their charges as failure to pay a debt. It is listed as a negative on my wifes credit report. My wife filed a complaint with XX/XX/XXXX to try to get the negative entry removed from her credit report and through this process ; Hunter Warfield finally provided a generic breakdown of charges ( attached ) in  XXXX, XXXX. I suspect the document was created then but cant prove it. There was no letterhead and the signature is illegible but the document shows the charges Hunter Warfield is  attempting to get us to pay. None of the amounts for these charges are stated in our lease agreement ( attached ). Hunter Warfield again verified the debt was valid and XX/XX/XXXX accepted that verification without any proof and closed the complaint. 
In XXXX, XXXX we applied for a loan at a local bank and discovered that Hunter Warfield had added the inaccurate information to my credit report, backdating it to the original date that was on my wifes credit report XXXX, XXXX. I filed a complaint with XX/XX/XXXX and Hunter Warfield again verified that the debt was valid and XX/XX/XXXX accepted that verification without any proof and closed the complaint. 
In XXXX, XXXX I filed a complaint against Hunter Warfield with the XX/XX/XXXX in XXXX, FL. Hunter Warfields response was to send me a copy of my lease and again stated the debt was valid even though the document they provided does not have any of those charges stated in the lease agreement. 
XXXX XXXX has reported this inaccurate information on my wifes credit report to all 3 credit bureau for the past 39 months and on my credit report with all 3 credit bureaus for the past 7 months, backdating it to XX/XX/XXXX. They have verified the debt is valid repeatedly, with XX/XX/XXXX and the XX/XX/XXXX even though they have a copy of the lease agreement and we have questioned the validity numerous times. Hunter Warfield has destroyed our credit and done irreparable damage to our reputation by reporting negative information that they know is not accurate and we believe that is a violation of the Fair Credit Reporting Act. Hunter Warfield has hundreds of complaints filed against them each year for the same reasons but they continue to operate using the same tactics. Hunter Warfield should be permanently barred from reporting any information to credit bureaus. 
XXXX XXXX and XXXX Townhomes have been unresponsive to any of our attempts to contact them including refusing a certified letter. They instigated these fabricated charges instead of disclosing them on our lease agreement. It is certainly not ethical and we believe it is not legal to not disclose any charges on the only document that is signed by both parties. On the Additional Special Provisions page of the lease agreement the amount for lease abandonment fee is blank yet on the breakdown of charges they show a charge of {$2000.00}. for lease abandonment. There is no dollar amount specified in the lease agreement for not giving 60 days notice yet on the breakdown of charges they show a charge of {$2000.00}. If they intended to charge these outrageous fees they would have been disclosed on the lease agreement. Making up charges and amounts after we signed the contract is at best fraudulent ; reporting those made up charges on our credit reports surely violates the FCRA. 
XX/XX/XXXX did not exercise any oversight or conduct any investigation into our complaints even though we attempted to resolve this through them. They failed to require proof that this negative information is accurate even after we filed complaints through them on 3 occasions. As the disseminators of credit files they have a responsibility to confirm information is correct but they just accepted a the debt is valid from Hunter Warfield. 
XXXX XXXX, XXXX XXXX, Hunter Warfield and XX/XX/XXXX have all consistently, purposely and repeatedly allowed or caused inaccurate negative information to be shown on our credit reports for 39 months. We have been constantly frustrated with this entire process as Hunter Warfield changed the original creditor as listed with XX/XX/XXXX from XXXX Townhomes to XX/XX/XXXX but on my wifes credit report and only after she filed a complaint with XX/XX/XXXX in XXXX. It was added to my credit report later in XXXX and on my credit report they say it is XXXX Townhomes. It has been nearly impossible to get any information from any of the parties on that side ; it took nearly 3 years to get the breakdown of charges. In XXXX we finally received a response letter from XXXX XXXX with XXXX XXXX stating that XX/XX/XXXX was sold by XXXX XXXX to XXXX XXXX in XX/XX/XXXX. She also provided an address for XXXX XXXX. We sent a letter to XXXX XXXX and they eventually responded ( their letter is not dated ) that Hunter Warfield is their 3rd party collection agency. The damage to our credit extends to paying higher insurance costs, higher credit card interest and being denied credit.

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