Consumer complaint received 2023-07-12
Company: HW Holding, Inc
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Subject : Complaint against Hunter Warfield , Inc. and XXXX XXXX  XXXX for Unfair Reporting and Violation of Fair Debt Collection Practices and Violation of Oklahoma Residential Landlord and Tenant Act. 

To The Consumer Financial Protection Bureau, I am writing to file a formal complaint against Hunter Warfield , Inc. and XXXX XXXX XXXX regarding their unfair business practices, which have resulted in severe damage to my creditworthiness. I believe their actions have violated consumer protection laws, and I kindly request your intervention to address this matter. 

I entered into a lease agreement with XXXX XXXX XXXX on XX/XX/XXXX, with a lease term lasting until XX/XX/XXXX. Throughout the entire lease, I paid my rent in full and on time, as per the terms outlined in the agreement. Additionally, I paid a security deposit of {$500.00} before moving into the property. 

On XX/XX/XXXX, at XXXX XXXX, I received an email from XXXX XXXX, an employee of XXXX XXXX XXXX, titled " Keys. '' In this email, XXXX XXXX acknowledged the return of my keys and assured me that the security deposit refund process would commence shortly. He mentioned that I would receive either my deposit or an invoice for damages in the mail in the coming weeks. However, I never received any further communication from any employee of XXXX XXXX XXXX. 

To my dismay, I recently received a letter from XXXX, one of the major credit bureaus, stating that I had " 3 potentially negative item ( s ) '' impacting my credit score. When I contacted XXXX to investigate these negative items, I discovered that XXXX XXXX XXXX had reported the account as delinquent, resulting in severe repercussions for my creditworthiness. Moreover, I learned that XXXX XXXX XXXX had sent my account to a collections agency, Hunter Warfield , Inc., which also reported my account as delinquent. Remarkably, I had never been contacted by XXXX XXXX XXXX or Hunter Warfield , Inc., nor was I informed about the reporting of my account to collections. 

In an attempt to rectify this situation, I took immediate action. On XX/XX/XXXX, I sent a Certified Mail letter to XXXX XXXX XXXX, requesting an itemized list of deductions from my security deposit. I sought to review the deductions and have the opportunity to dispute any erroneous charges. Unfortunately, I never received a response to my letter from XXXX XXXX XXXX or any of its employees, depriving me of the chance to address these concerns. 

Additionally, on XX/XX/XXXX I sent a Certified Mail letter to Hunter Warfield , Inc. requesting validation of the debt. On XX/XX/XXXX I sent a Certified Mail letter to Hunter Warfield , Inc. requesting proof of a good faith effort to contact me prior to reporting the account to the major credit bureaus. Given that Hunter Warfield , Inc. had already reported the account to the major credit bureaus, I expected them to adhere to the Fair Debt Collection Practices Act and provide the necessary documentation. However, I have not received a response to either of my letters from Hunter Warfield , Inc. to date. 

The false reporting of the account as delinquent and the subsequent involvement of a collections agency have had severe consequences for my financial well-being. As a result of these inaccuracies, my credit score has been significantly impacted, leading to loan rejections, denied credit card limit increases, and substantial reductions in my credit limits. These adverse effects are solely attributed to the false accounts that were reported to the credit bureaus by XXXX XXXX XXXX and Hunter Warfield , Inc . 

I kindly request the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter and take appropriate actions against Hunter Warfield , Inc. and XXXX XXXX  XXXX for their unfair business practices, violation of fair debt collection practices, and false reporting to credit bureaus. I seek your assistance in ensuring that both entities rectify their actions, provide me with the necessary documentation and validation of debt, remove the negative marks already reported, and take responsibility for the damage caused to my creditworthiness. 

Enclosed with this complaint, please find copies of relevant documents, including the lease agreement, the email communication from XXXX XXXX, the letter from XXXX, the Certified Mail receipts for my letters to XXXX XXXX XXXX and Hunter Warfield , Inc., and copies of the letters sent to XXXX XXXX XXXX and Hunter Warfield , Inc . 

I sincerely appreciate your attention to this matter and your commitment to safeguarding consumers ' rights. Please feel free to contact me at the provided contact information if you require any further information or documentation to proceed with this complaint.

Company response to consumer: Closed with explanation