Date Received: 2018-05-07T00:00:00
Product: Other debt
Issue: False statements or representation
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: I am contacting you today due to the collections from Hunter Warfield IncXXXX that is reporting to my credit report. XX/XX/XXXX, I mailed Hunter Warfield Inc. a debt validation letter to validate the alleged debt. They could not properly validate in the tine given. They sent back a signed contract that is obviously not from the company of Hunter Warfield Inc. The contract states another companies name. Therefore that contract would be cancelled. In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d. Sections 90-93 ; it says that ” one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. ” Thus, Hunter Warfield Inc. can not act as a substitute for the original creditor. They are a 3rd party collector claiming that I owe them a debt, and by law, that is not true.
When trying to resolve this matter with one of the representatives of Hunter Warfield, via email. I was asked a very uncomfortable question. The representative replied ” Thank you for your response.
I have reviewed your account including the recent form letters you sent to us. In the letter dated XX/XX/XXXX, you state My attorney before we proceed I need to verify whether you have an attorney representing you in this matter.
Thank you. ” I am uncertain and appalled as to why this is acceptable. My main purpose is to resolve this as it is weighing heavily on my future as my credit report is being misused.
I have marked out all personal information for the privacy reasons. I have attached evidence of the debt validation, as well as the certified mail receipt that proves it was sent. I also attached the letter Hunter Warfield provided and the email stated above.
Company: Hunter Warfield, Inc.
State/Zip: TX 774XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 2899201
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