Consumer complaint received 2024-08-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: FL

Complaint narrative:
I am writing to formally lodge a complaint against Hunter Warfield Inc. for their failure to adhere to the legal requirements set forth in various federal regulations and consumer protection laws. I believe that Hunter Warfield Inc. has engaged in improper debt collection practices, which have adversely affected my consumer rights. 

Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : Hunter Warfield Inc. has not provided me with the necessary validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed a collection on my consumer report, which has negatively impacted my credit score and financial standing.

Denial of the Right to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : I have not been given the opportunity to dispute the account in question in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of my right to dispute the debt has further exacerbated the situation and has left me without a clear avenue to address the inaccuracies.

Use of False, Misleading, and Deceptive Practices : Hunter Warfield Inc. has violated my consumer rights by using false, misleading, and deceptive means in their collection efforts. Their tactics have caused undue stress and confusion, and I believe they are not acting in good faith.

Unauthorized Furnishing of Information to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ) : The collection agency has furnished information about the alleged debt to consumer reporting agencies without providing me with any and all disclosures required by law. This action is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ).

In addition to the above complaints, I am formally disputing any and all debts that Hunter Warfield Inc. claims I owe. I hereby revoke all rights for Hunter Warfield Inc. to communicate with me through email, text, or phone calls. All future correspondence must be conducted in writing via postal mail.

Furthermore, I request that Hunter Warfield Inc. provide the following : A copy of the purchase agreement between them and the original creditor.

Proof that they are licensed and bonded to operate as a collection agency in the state of Florida.

Given these violations, I respectfully request that the Consumer Financial Protection Bureau investigate Hunter Warfield Inc. 's practices and take appropriate action to ensure they comply with federal laws and regulations. Additionally, I seek the removal of the incorrect collection entry from my consumer report and any other remedies that the CFPB deems necessary to rectify this situation.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my complaint. 

Please view the attached image. As of XX/XX/year>2024 Hunter Warfield Inc. is not licensed in the state of florida which makes debt collection illegal. Resource : https : XXXX

Company response to consumer: Closed with explanation