Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HW Holding, Inc
State: MS

Complaint narrative:
years I've been fighting with these credit agencies about accounts being solicited on their platform for profit and gain without my explicit and direct consent. And for years these credit agencies use their platform to harm the character of consumers while causing XXXX XXXX XXXX XXXX  while they gain profit off of the consumers name. There are XXXX accounts in question that XXXX refuses to verify but continues to publish on their platform regarding consumer XXXX XXXX non public personal information. XXXX XXXX XXXX XXXX XXXX XXXX. Hunter Warfield. I never gave the XXXX XXXX XXXX XXXX XXXX XXXX or Hunter Warfield explicit or written consent to publish my non public personal information. The definition of Verification means to prove something through sworn statement. I never received a sworn statement after requesting verification of accounts which is a violation of the Federal Fair Credit Reporting Act and also a violation of XXXX XXXX XXXX in the conspiracy to team up against me in the collection of a debt as well as XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Credit agencies is also in Violation of section XXXX of the Fair Credit Reporting Act XXXX XXXX XXXX Permissable Purpose. These accounts are XXXX accounts and the credit agencies is still reporting a balance when no credit amount should be displayed at all. Because I never gave written or explicit consent to publish non public personal information, The credit agencies is also in Violation of XXXX XXXX XXXX - Aggravated identity theft stemming from violating FCRA XXXX XXXX XXXX XXXX XXXX permissible purpose can be access and used by third parties. Therefore I am exercising my consumer rights per FCRA under XXXX XXXX XXXX and demand a block of information resulting from identity theft. The CFPB can provide appropriate proof of the identity of the consumer. This information is not information relating to any transaction by the consumer. The Credit agencies, XXXX XXXX XXXX nor Hunter Warfield can provide a sworn statement under penalty and perjury that they have explicit consent to furnish non public personal information about consumer. This is my notice that if either company can not provide a sworn statement that consumer owns, owes a debt to them or if verification can not be provided to consumer for consumer to inspect and these items still remain on consumers credit report after verification process then consumer will take it as a willful act of violation against the consumer and will be forced to file suit of claim in state court. There isn't any lawful contract in effect between XXXX XXXX XXXX, HUNTER WARFIELD and XXXX XXXX. No verification has been sent to XXXX XXXX proving consent or agreement for the publication of non public personal information. XXXX, XXXX and XXXX are non government affiliate private third party entities who are purposely violating consumer rights. I XXXX XXXX do hereby attest under penalty and perjury that I did not give explicit or written consent for my non public personal information to be shared with any third party entity.

Company response to consumer: Closed with explanation