Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
I am filing this complaint against Hunter Warfield regarding an unvalidated, alleged apartment-related collection debt reported to my credit report on XX/XX/XXXX2025 for approximately {$9900.00}. I dispute this alleged debt in full and do not admit liability. I first discovered this collection only after I checked my Experian credit report on XXXX XXXX, 2026. Before that, I had not received any proper debt validation notice, collection letter, final invoice, or meaningful opportunity to dispute the alleged debt from Hunter Warfield and XXXX XXXX XXXX XXXX about this unvalidated alleged debt, which caused a significant drop in my credit score and seriously affected my financial life. The collection appears to be based on a XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XXXX XXXX 2025, showing a balance due of {$9900.00}. However, that statement was addressed to XXXX XXXX XXXX, not to me. Based on the records I have reviewed, XXXX XXXX XXXX appears to be the later occupant/tenant connected to the unit after I had already transferred the apartment to XXXX XXXX in XXXX 2024, and XXXX XXXX XXXX XXXX a later transfer involving XXXX XXXX XXXX and the leasing office. This is critical because XXXX own disposition/security deposit statement placed the {$9900.00} balance under XXXX XXXX XXXX name XXXX not mine. Therefore, I do not believe this balance was properly attributable to me. I believe XXXX XXXX XXXX XXXX and Hunter Warfield reported or attempted to collect this alleged balance against me without a reasonable investigation, without properly verifying who was responsible for the debt, and without providing me prior notice, a validation notice, or a meaningful opportunity to dispute the alleged debt before it damaged my credit. In addition, my email records show that I communicated with the apartment management/leasing office about lease termination, break-lease options, and transfer procedures in XXXX 2024, and completed the transfer of the unit to XXXX XXXX at that time XXXX I never received keys or access to the unit, never occupied the unit, never moved furniture into the unit, and never established XXXX utility service for the unit. Besides, later XXXX communications between XXXX XXXX and XXXX. show that XXXX XXXX independently transferred the unit again to XXXX, involving the leasing office, application fees, transfer fees, rent due dates, XXXX issues, keys, and move-in logistics in XXXX 2024. I was not part of those later communications and had no knowledge of or involvement in that later arrangement. Based on the documents available to me, I believe Hunter Warfield and/or XXXX XXXX XXXX XXXX did not have a reasonable or verified basis to report this alleged {$9900.00} balance against me as a collection account. The alleged debt was reported without proper prior notice, without a legally sufficient validation notice, and without documentary proof that I was legally responsible for this specific balance. I request that Hunter Warfield and XXXX XXXX XXXX XXXX provide : 1. Complete debt validation, including the original creditors complete records, the transfer documents relied upon, especially after XX/XX/XXXX2024 when the due balance arose, and an itemized explanation of the {$9900.00} balance. 2. Proof explaining why a balance statement addressed to XXXX. was reported against me. 3. Documentary proof showing my legal responsibility and any evidence that I had possession, access, occupancy, use, or control of the unit during the period when the charges accrued. 4. Proof that this specific balance was billed to me. 5. Proof that they communicated the debt to me before furnishing it to a credit reporting agency. If Hunter Warfield can not verify both the alleged debt and my legal responsibility with complete and accurate records, I request the removal of the entire collection tradeline from all consumer reporting agencies, including XXXX, and cessation of all collection activity.

Company response to consumer: Closed with explanation