Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #8260442
Complaint Overview
Complaint ID: 8260442
Company: Hw Holding, INC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Missouri
ZIP Code: 63114
Date Received: 2024-01-31T12:00:00-05:00
Date Sent to Company: 2024-01-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Urgent Notice of Unauthorized Credit Reporting and Violation of Missouri FCRA Identity Theft Fraud Laws Immediate Resolution Required Dear Hunter Warfield, I am writing to bring to your attention a serious matter concerning the unauthorized reporting of information to my credit report, which is in direct violation of the Fair Credit Reporting Act ( FCRA ) as specified in Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouri state laws, including Sections [ Relevant Missouri FCRA Sections ]. It has come to my attention that Hunter Warfield has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. The FCRA mandates, under Section 1681b ( a ) ( 2 ), that consumer consent is an absolute requirement for such reporting activities, and Missouri state laws, specifically [ Relevant Missouri FCRA Sections ], also emphasize the importance of consumer consent for credit reporting. This violation not only disregards federal and state laws but also raises concerns under Missouri FCRA identity theft fraud laws. Unauthorized access and misuse of personal information, as outlined in Missouri FCRA, are subject to severe penalties. I want to make it unequivocally clear that I have not provided consent for Hunter Warfield to report any information to my credit report. This lack of explicit permission constitutes a serious breach of my rights, potentially causing harm to my creditworthiness and demonstrating a clear disregard for federal and state regulations. I demand, with urgency, that Hunter Warfield immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri FCRA Sections. Failure to comply within the stipulated 30-day timeframe will be considered as willful noncompliance, subject to penalties under applicable laws, including Missouri FCRA identity theft fraud laws. It is crucial to understand that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Missouri state law, and identity theft fraud laws. This is not a negotiation ; it is a demand for immediate compliance with both federal and state regulations, safeguarding consumers like myself from unauthorized and damaging credit reporting. I expect your prompt attention to this matter and insist that Hunter Warfield rectifies these violations promptly, demonstrating full respect for my rights under federal and Missouri state laws. Done in good faith.
Frequently Asked Questions
What is Complaint #8260442 about?
Complaint #8260442 was filed against Hw Holding, INC regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-01-31T12:00:00-05:00.
How did Hw Holding, INC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Hw Holding, INC?
Yes, visit the Hw Holding, INC company profile at readthecomplaint.com/company/hw-holding-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.