Consumer complaint received 2017-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc
State: FL

Complaint narrative:
On XXXX XXXX, 2017, I faxed a letter to Hunter Warfield asking them for validation of a debt they are reporting on my credit report. As of today, XXXX XXXX, 2017, they still have n't validated the debt but they continue to report the account on my credit reports. I have received correspondence twice since my validation was received, neither being anything coming close to validating the debt. 

The first letter received was dated XXXX XXXX, 2017, confirming they received my request however they will need additional time to obtain my request. On XXXX XXXX, 2017, I faxed them a letter advising they have failed to validate the debt and I demanded the account be deleted, however they continue to report the account. 

The 2nd letter I received from them was dated XXXX XXXX, 2017, which states they received my claim of fraud activity regarding the account and requesting I provide them with Fraud Packet ( police report, copy of ID 's and additional documentation supporting my claim ). The problem with this is that I have never filed anything with them or any other entity that would be mutual that would state this as fraud. 

I contacted Hunter Warfield 's office onXXXX XXXX, 2017 @ XXXX at the XXXX number and spoke with a representative that stated they had sent out a letter and I advised her that the letter did n't validate the debt and must be removed. She continued to state there was nothing they could do therefore I asked to speak with their Compliance Officer & or office manager, and this is when I was connected to XXXX XXXX, who stated she is Support Services Manager. 

I explained to XXXX XXXX what the concern was and advised they are violating FDCPA in which they are reporting an account that they have failed to validate and I demanded validation. XXXX kept stating that the account was reported as a fraudulent account. I asked her when was this reported to them as fraud and by whom. XXXX clearly became frustrated at this point and stated that the only thing she could tell is that it came from the credit bureau and refused to provide a date. I asked her repeatedly for the documents they were sent by the credit bureau to support what she was saying and she refused. She stated she was the only person I could speak with. I told her that what they were doing is willful and malicious and I would file a complaint as well as file a motion with my local court and possibly obtain an attorney to handle it if need be. 

Upon her hearing me state that I would get an attorney if this was not resolved, she refused to talk to me again as she stated I mentioned an attorney. I advised her if I do n't have an attorney at this time then they could continue to speak with me until there is a notice of appearance filed or until I have obtained counsel. XXXX simply was n't budgeting and refused to help me to resolve the issue. 

She did provide me the name of XXXX XXXX to speak with and transferred me to his voicemail. This entire call lasted me a whopping 23 minutes 30 secs. I really wanted to speak with this XXXX XXXX directly therefore I called back and got another representative that was to transfer me to him but I again out the voicemail, this was also on XXXX XXXX at XXXX 

I have attached all documents for review : -initial validation letter ( XXXX/XXXX/17 ) -Hunter Warfield letter 1 ( dated XXXX/XXXX/17 ) -Hunter Warfield letter 2 ( dated XXXX/XXXX/17 ) -failure to validate letter ( XXXX/XXXX/17 )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief