Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: FL

Complaint narrative:
Consumer Complaint : To whom it may concern, First of all, I would like to thank you in advance for processing my complaint. However, I am infuriated with XXXX XXXX behavior and asked you with all sincerity as an American citizen, that something be done about XXXX XXXX unethical, immoral and disgusting behavior to stop them from abusing consumers rights like myself with no repercussion. Now this, I found out that XXXX XXXX has illegally damaged my credit making it impossible to get the mortgage for the home I am purchasing! I can not believe it ; I can only imagine how many other consumers whom rights are being infringe upon by XXXX XXXX and it appears that XXXX XXXX does not have any remorse or desire to work within the law that should protect consumers such as myself. I know people feel as though their consumer rights are not being protected by the law, because I do. XXXX XXXX has been compelled to adhere to the rules and regulation in both the Federal Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to ensure fairness, accuracy and provide protection for consumers rights. So, with that being said, what makes XXXX XXXX so powerful that their company supersedes Federal Law? How and why is XXXX XXXX able to continuously blow off consumers, by responding to their legitimate complaints with their bogus and frivolous responses that do not have any merit, untrue and hearsay IF they respond at all? The fact of the matter is that XXXX XXXX has violated my consumer rights according to both the Federal Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). More so, this is an urgent matter and I respectfully request that your office respond promptly. I believe their actions are unlawful, shameful, vile and without merit. With that being said, it is distasteful for them to throw a curb ball of this magnitude, especially when they CONTINUOUSLY REFUSE to Validate the Debt which I have requested via phone, email AND letter, I believe they will not do so due to the fact that THIS IS NOT MY DEBT, I have NEVER had or signed ANY account with XXXX XXXX. Therefore, I believe the possible violations are as follow ( s ) but not limited to : 1. The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( c ) : Transactions Not initiated by Consumer. 2. 607. Compliance procedures : ( b ) Accuracy of report ( 15 U.S. Code 1681e ) 3. 616. Civil liability for willful noncompliance ( 15 U.S.C. 1681n ) 4. 616. Civil liability for negligent noncompliance ( 15 U.S.C. 1681o ) 5. Continued to attempt to collect a disputed debt is a FDCPA violation according to FDCPA-Validation of Debts 15 U.S.C. 1692g ( b ) 6. 15 U.S.C. 1692e False or misleading representations 7. 15 U.S.C. 1692f Unfair practices 8. FDCPA-Validation of Debts 15 U.S.C. 1692g 9. Extortion 10. FRAUD by knowingly attempting to execute, any trickery scheme with the intent to defraud a consumer/ debtor. 11. 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material 12. FCDPA-Communicating false credit information-807 ( 8 ) 13. FCDPA-Falsely obtaining information about me-807 ( 10 ) 14. FCDPA-Creditor Misrepresentation of Identity-807 ( 14 ) 15. The debt collector shall cease all collection once the item has been disputed according to FDCPA-Validation of Debts 15 U.S.C. 1692g ( b ) 16. FDCPA-Implying my account ( s ) have been turned over to purchasers XXXX XXXX 17. XXXX XXXX fail to provide proof of the legal AUTHENTIC/ORIGINAL contract or other instrument bearing my signature that proves I agreed to pay them for the alleged debt. Due to the fact, I NEVER sign a contract agreeing to pay XXXX XXXX. Furthermore, I probably would have never found out about this litigation against me if I would have not have applied for a mortgage to purchase my home under the belief that I have NO collections and therefore am able to obtain a mortgage with favorable conditions. Please assist me in reviewing this illegal activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation