Product: Debt collection

I am writing to file a formal complaint and request the assistance of the Consumer Financial Protection Bureau ( CFPB ) in resolving a critical issue that has adversely impacted my financial and credit standing. I have an unauthorized reporting of collection account on my XXXX credit report. The account in question is associated with Hunter Warfield, and the total balance is indicated as {$540.00}, attributed to invalid move-out charges. 

To provide you with a comprehensive overview of the situation, I would like to detail the events leading up to these erroneous accounts and their subsequent impact on my credit history : 1. In XX/XX/, I submitted work orders for necessary repairs to my rental unit. However, these work orders were not processed, leaving maintenance issues unresolved during my tenancy. 

2. On XX/XX/, I vacated the rental unit. At the time of my move-out, maintenance was still behind on processing the work orders. Unfortunately, I faced penalties for these unresolved issues and additional charges for what the property management considered inadequate cleaning. 

3. It is important to note that the property management failed to provide a move-out list, which would have clarified the expectations for cleaning and maintenance. 

4. Compounding the issue, the property management office and staff were unavailable due to a tropical storm, which further complicated the move-out process. I was assured that this situation would have minimal impact on me. 

5. Regrettably, I was unable to return to the unit to dispose of a small trash can, a bag of trash, and a shower curtain rod, which were unintentionally left in the living room due to the shelter-in-place directive during the storm. This inability to return and address these items was not considered, and I was not provided with extra time for their removal. 

6. When I received notice of the outstanding balance, I promptly contacted the property management office, where I was assured that my balance would be reviewed and addressed. However, despite my follow-up and expectations, I never received any further communication from the office, leading me to assume the matter was resolved. 

7. To my dismay, I recently discovered that the accounts associated with Hunter Warfield have been reported on my consumer credit report, significantly impacting my credit rating. 

I believe that my situation is indicative of a recurring practice by this property management company, XXXX, as I have learned that several former residents have faced inaccurate cleaning charges similar to those assessed to me. This suggests a pattern of unfair and unjustified practices. 

To rectify this situation, I kindly request that the CFPB intervene to ensure the following fair resolutions : 1. The immediate removal of the erroneous accounts associated with Hunter Warfield from my credit report. 

2. An investigation into the property management 's questionable practices regarding move-out assessments and charges. 

3. A review of my deposit return, which has not been provided, along with a transparent explanation for its withholding. 

I also requested a walk-through of the unit at the time of my move-out, a request that went unacknowledged and unfulfilled. 

I appreciate your attention to this matter and trust that the CFPB will take prompt and decisive action to rectify the injustices I have faced. I eagerly await your assistance in restoring my credit rating and resolving this unfortunate situation.