Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it may concern, I am writing regarding the alleged debt you have posted publicly, which I previously disputed during a telephone conversation with your representative in XX/XX/XXXX. During that call, I was advised that the debt would not be reported publicly. Your current actions are contrary to that representation and are causing ongoing harm. This alleged debt is formally disputed under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and 1692c ( c ), and the Florida Consumer Collection Practices Act ( FCCPA ), Fla. Stat. 559.72. It is my position that this debt is invalid, unenforceable, and illegal under Florida law for the reasons outlined below. I. Timeline and Facts ( All dates are in XXXX  and supported by written documentation. ) XXXX. XX/XX/XXXX XXXX agreement commenced. XXXX. XX/XX/XXXX I delivered written notice to the landlord ( your client ) identifying multiple violations of Florida law, specifically Fla. Stat. 83.51 ( 2 ) ( b ), 553.883, 469.001469.013, and Florida Administrative Code Ch. 62-257. This notice provided the statutorily required 7 days to cure per Fla. Stat. 83.56 ( 1 ). 3. 01/15 I granted written permission for maintenance supervisor XXXX to enter the property to address the violations. XXXX. XX/XX/XXXX I received written confirmation that the violations were not corrected well beyond the XXXX cure period mandated by law. 
XXXX. Legal Basis for Termination Without Penalty Pursuant to Fla. Stat. 83.51 and 83.56 ( 1 ), a landlords material noncompliance with maintenance and safety obligations including failure to provide smoke detectors ( 83.51 ( 2 ) ( b ), 553.883 ) and failure to comply with asbestos inspection and licensing laws ( 469.001469.013, FAC Ch. 62-257 ) permits a tenant to terminate the rental agreement without penalty after proper notice and failure to cure. Further, Fla. Stat. 83.47 renders void and unenforceable any lease provision attempting to waive this statutory right. Therefore, any termination fee claimed by your client is not only unenforceable, but illegal under Florida law. III. Demand to Cease and Desist Pursuant to 15 U.S.C. 1692c ( c ) ( FDCPA ), I hereby demand that you cease all communication with me regarding this alleged debt, except as allowed by law to : 1. Confirm that collection efforts have ceased, or 2. Notify me of specific legal action you intend to take. Any further contact outside of these exceptions will constitute a wilful violation of federal law, subjecting you to statutory damages, attorneys fees, and costs. IV. Notice of Enforcement Actions This letter also serves as notice that I am filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Florida Attorney Generals Office regarding your attempt to collect an invalid and unlawful debt in violation of : FDCPA 15 U.S.C. 1692c ( c ), 1692e, 1692f FCCPA Fla. Stat. 559.72 ( 9 ), ( 10 ) Florida Residential Landlord and Tenant Act Fla. Stat. 83.47, 83.51, 83.56 ( 1 ) Sincerely yours, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation