Consumer complaint received 2015-05-10
Company: HW Holding, Inc
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed this debt directly with the collection agency after I found the debt that is not mine and that I do not owe erroneously reported on my credit report. I sent a letter disputing the debt and requesting validation of the debt to the collection agency via USPS certified mail which shows delivery to the collection agency XXXX/XXXX/XXXX. The collection agency ignored by request for validation, never sending me anything at all - nothing. Per TEXAS FDCPA it is a violation for the collection agency to leave UNVALIDATED accounts on a consumers credit report if the collection agency fails to validate that account within 30 days of receiving the consumers written DISPUTE letter and request for validation. Furthermore, per the TEXAS FDCPA, once the collection AGENCY FAILED TO VALIDATE THIS ACCOUNT TO ME WITHINN 30 days of their receipt of my written request on XXXX/XXXX/XXXX the collection agency then had exactly 5 days in which to remove this account from my credit report with all credit bureaus. The TEXAS FDCPA also states that when the collection agency failed to validate this account to me within 30 days of their receipt on XXXX/XXXX/XXXX of my written request for validation that their inability or refusal to validate this account actually serves as this collection AGENCYS admission that this is not my debt and must cease future attempts to collect this debt. Finally the Texas FDCPA states it is a violation for a collection agency not to immediately report this disputed debt as " disputed by consumer '' upon receipt of my written DISPUTE letter and request for validation which this collection agency received via certified Mail on XXXX/XXXX/XXXX. Violations of the Texas FDCPA is actionable under the Texas deceptive trade practice act which awards for civil penalties, damages, court costs, attorney fees, and XXXX and all awards are paid at triple the amount. Individuals and companies that violate the Texas FDCPA ARE Subject to criminal fines due the state of TEXAS AS WELL. THE FCRA AND THE FDCPA states it is a violation for this collection agency to report an UNVALIDATED account to the credit bureaus and to report an UNVALIDATED account on my credit report. The Fcra and FDCPA state it is a violation for this agency to report inaccurate information on my credit reports. The FCRA and the FDCPA state that this collection agency violated my rights by not immediately reporting this account as disputed by consumer to all credit bureaus upon receipt of my written DISPUTE that they recvd XXXX/XXXX/XXXX. Today, this account that I do not owe that this collection agency neglected to validate remains on my credit report even though that is a direct violation of federal and state credit acts/laws. Today, this UNVALIDATED account which remains in my credit report has never been reported by this collection agency as disputed by consumer to any credit bureaus even though that is a deliberate violation of the federal and state credit acts. This UNVALIDATED account that I do not owe has continued to hurt my credit for over 4 months even after this collection agency RECVD my second notification via USPS certified mail informing them that their failure to validate this debt within 30 days of their receipt on XXXX/XXXX/XXXX of my initial request for validation constitutes their action of immediately removing this account from all my credit reports as a matter of state and federal law. In the second letter they recvd via USPS certified mail, I specifically outlined all their violations of the Tx FDCRA the FRCA and the FDCPA and the penalties due me for those violations as well as informing them that their actions could end with criminal penalties in TEXAS. They chose to ignore my XXXX letter as well.

Company response to consumer: Closed with explanation