Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc (GA)

I am filing a formal complaint regarding the inaccurate and unauthorized reporting of several accounts on my credit report by multiple creditors and collection agencies. These reports are not only damaging my credit score but also violate several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Summary of Accounts and Violations : Hunter Warfield , Inc . 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hunter Warfield reported a collection account without providing validation or a signed contract authorizing the debt. I requested validation under FDCPA 809 ( b ) and full account details as per FCRA 609 ( a ) ( 1 ), but they failed to provide any supporting documentation. This is a violation of FCRA Section 623 ( a ) ( furnishing inaccurate information ) and FDCPA 807 ( 2 ) ( A ) ( false representation of debt ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not accurately updated my credit report to reflect Paid to Delete. They continue to report outdated payment information, violating FCRA Section 623 ( a ) for failing to correct and update the information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported that I was 30 days late in XX/XX/year>, which is inaccurate. I have consistently made timely payments, and their false reporting is a violation of FCRA Section 604 for furnishing information without a permissible purpose. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inaccurate payment statuses on this account, despite my timely payments. This constitutes a violation of FCRA Section 623 ( a ) and FDCPA Section 807 ( 2 ) ( A ) for reporting misleading and false payment statuses. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX continues to report this account as a charge-off even though it has been paid in full. They have failed to update the status, violating FCRA Section 623 ( a ) for reporting inaccurate information and FDCPA Section 807 ( 2 ) ( A ) for misrepresenting the account status.

Requests for Information : I have repeatedly requested validation and full documentation of these accounts from the creditors and collection agencies, including : Full validation of the debts as required under FDCPA Section 809 ( b ), which includes original contracts, detailed billing statements, and proof of debt ownership.

A copy of the credit reports and any information reported to the credit bureaus under FCRA Section 609 ( a ) ( 1 ), which includes dates, amounts, and payment histories. 
Despite my requests, these entities have failed to provide adequate documentation, raising concerns about the validity of the debts and the accuracy of their reporting. 

Conclusion : These reporting errors are severely impacting my credit score, and I am seeking an immediate investigation into these violations of FCRA and FDCPA. I demand that the inaccurate information be removed from my credit report, that these companies provide proper validation, and that any further reporting be in full compliance with the law. 

Thank you for your prompt attention to this matter.