Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc
State: MD

Complaint narrative:
To : Hunter Warfield , Inc . 
Attn : Compliance Department XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : Formal Demand for Deletion of Fraudulent Collection Account Account # ( Insert if available ) Amount Alleged : {$2800.00} Original Creditor : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported to Bureaus : XX/XX/XXXX Dear Hunter Warfield Compliance Department, I am contacting you under the authority of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to issue a formal demand for immediate deletion of the above-referenced collection account that you have reported to the credit bureaus. 

Let me be absolutely clear : this account is invalid, fraudulent, and entirely uncollectible. 

I. Background & Factual Dispute I moved out of XXXX XXXX XXXX on XX/XX/XXXX, due to uninhabitable conditions, including a rodent infestation and an emergency building lockdown. 

My rent from XX/XX/XXXX to XX/XX/XXXX was fully paid through the XXXX XXXX STEP-2 Program under the federally funded Emergency Rental Assistance Program ( ERAP ) XXXX 

A total of {$7400.00} was paid to XXXX XXXX on my behalf, covering : {$3600.00} in back rent ( XXXX XXXX ), {$49.00} in utilities, {$3700.00} in forward rent ( XXXX XXXX ). 

I also had a security deposit on file and left before exhausting my rent credit. 

At no time did I sign any agreement with Hunter Warfield. You are not a legal party to any debt I owe. 

Thus, not only do I owe no debt, but XXXX XXXX was overpaid and I was never properly notified of any legitimate balance before this collection was placed. 

II. Legal Violations on Your Part Your actions violate multiple federal laws, including : A. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692 1692e False Representation of a Debt : Reporting a balance that has no legal basis is unlawful.

1692g ( b ) Failure to Provide Validation : You are required to provide complete documentation of the alleged debt. To date, you have failed to do so.

1692f Unfair Practices : Attempting to collect on an unvalidated, unverified, or already-settled debt is a violation.

B. Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 1681s-2 ( a ) Furnishing Inaccurate Information : Furnishing unverified, false, or misleading information to credit bureaus is illegal.

1681e ( b ) Failure to Ensure Maximum Accuracy : You have a legal duty to report accurate information which you have failed to do.

III. My Demands IMMEDIATE REMOVAL of this collection account from all consumer reporting agencies ( XXXX XXXX  and XXXX ). 

Written confirmation from your office that this account has been deleted and that no further action will be taken. 
IV. Consequences for Noncompliance If this collection is not deleted within 10 business days, I will take the following actions without further notice : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), Report your company to the Maryland Attorney Generals Office, Pursue a civil lawsuit for : Violations of FDCPA and FCRA, Emotional and financial damages caused by inaccurate reporting, Defamation and negligent misrepresentation, Seeking statutory, actual, and punitive damages.

You are now on legal notice. Govern yourselves accordingly. 

Sincerely, XXXX XXXX DOB : XX/XX/XXXX Last 4 of SSN : XXXX

Company response to consumer: Closed with non-monetary relief