Consumer complaint received 2024-06-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (NV)

I am writing in response to Hunter Warfields ( Warfield ) repeated phone calls outside of business hours. 

I do not believe that I owe this debt or what Warfield says I owe. I have no contract or agreement with XX/XX/XXXX. If I do, this is a request for XX/XX/XXXXsend a copy of an agreement I have with it to CFPB. I have not received an official notice via certified mail or US mail from XX/XX/XXXX. Therefore, I do not have any contact information for XX/XX/XXXX Hence I am submitting this notice to the CFBP to forward it to the appropriate contact at XX/XX/XXXX.

Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
( emphasis added ) I respectfully request that XX/XX/XXXX provides me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in XX/XX/XXXX ; 5. proof of the last payment made on the account. 

I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 

You can not add interest or fees except those allowed by the original contract or state law. 

Any attempt to collect this debt without validating it violates the FDCPA. 

Also be advised that I am keeping accurate records of all correspondence from XXXX XXXX, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. 

I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if Warfield has already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau XXXX CB ) XXXX then you must immediately inform them of my dispute with this debt. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should XX/XX/XXXXpursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA.

Finally, if XX/XX/XXXX does not own this debt, I demand that XX/XX/XXXXimmediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.