Consumer complaint received 2023-11-28
Company: HW Holding, Inc
State: IL
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/ I moved out of a property XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Upon moving out, they sent my remaining balance to collections without answering any of questions on the alleged charges which I believe were wrong. After I moved out, I received a call from a collections agency ( Resident Advocate ), where I explained what had happened, disputed the debt and asked for a validation of debt since I had not received anything from the property itself. During that call, the collections agents explicitly told me that this alleged debt will not be reported to the credit bureaus and that they will provide me with the information requested. 
While I waited for them to provide the response, I tried contacting the property as well via email, phone calls, and even walked up their office but could not meet the manager and never got any response. 
The phone calls from the collections company kept continuing ( without providing me with a Validation of Debt ) and some time in XXXX I requested to be provided a Validation of Debt again. In this phone call I was again explicitly told that this alleged debt will not be reported to credit bureaus After this point, I stopped answering the calls from them because they were not entertaining my dispute and request of a validation of debt On or around XX/XX/, I found out that the collections agency had in fact reported the alleged debt to credit bureaus and it was not reported as a disputed debt. As soon as I found out, I contacted the property via email and informed them that I will be lodging a formal complaint with the CFPB if they do not respond to me. That is the only time I was able to get a response from the property ( took them 6 months ) At the same time I also contacted the collections agency where I raised my concerns again. I disputed the debt again and asked for a validation of debt, and informed of intention to pay once the dispute is resolved. The agent informed me that my dispute was received and that I will be receiving a follow up email acknowledging the dispute, the next steps and when the dispute is resolved. I also asked them why was the alleged debt was reported to the credit bureaus when I was explicitly informed it will not happen, the agent informed me that it was a different collection agency and the alleged debt had since transferred to a different collection agency and they can not speak to why they would have done so However, I had called the original collection agency ( Resident Advocate ) which was able to transfer my call to the new agency ( Hunter Warfield ) which makes me wonder they are both related somehow. Looking through the websites it also seems they are related and not sure why they would be passing inaccurate information ahead This was the third time, I had disputed the debt and asked for a validation of debt. Again I waited for a few weeks but I was not provided with any of the information requested nor an acknowledgement of the dispute On XXXX XXXX XXXX XXXX I sent emails to both collection agencies, explaining everything, disputed the debt again and asked for a response but to this day I have not received any information regarding my dispute To summarize : 1 ) I have disputed the alleged debt 4 times since XXXX XXXX  ( 3 times over the phone and once via email ) but to this day I have not received any acknowledgment on the dispute and it has not been resolved nor have I been provided with a validation and breakdown of the alleged debt 2 ) I was explicitly informed twice that this debt will not be credit reported but it was still credit reported and not reported as disputed Per my understanding, these are also FCRA violations and as a result of these, my credit score was significantly impacted, which not only caused me emotional stress but also financial stress as it directly affected my plans to obtain credit for different reasons ( auto loan, credit card ) due to now having a significantly lower credit score. I am being denied for credit that I had pre-qualified offers from The alleged debt was identified to be {$190.00} and I have disputed it to be {$170.00}

Company response to consumer: Closed with non-monetary relief