Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: IL

Complaint narrative:
CFPB COMPLAINT REPORT & NOTICE OF INTENT TO SUE Date : XX/XX/year> Consumer : XXXX XXXX XXXX Address : XXXX XXXX, Illinois Against : Hunter Warfield , Inc . XXXX XXXX XXXX XXXX XXXX, FL XXXX Account Number : XXXX Alleged Creditor : XXXX XXXX I. Identity Theft Declaration I hereby formally notify Hunter Warfield , Inc. and any consumer reporting agency that I am a victim of identity theft. The alleged debt of {$67000.00} was created through fraudulent use of my personal identifying information without my knowledge, authorization, or consent. This notice is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block the reporting of information resulting from identity theft upon proper notification. Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 6 ) ( B ), furnishers of information are prohibited from reporting information that results from identity theft once notified. Additionally, under 15 U.S.C. 1681g ( e ), I am entitled to copies of all records relating to this alleged fraudulent account. II. FDCPA Violations Hunter Warfield , Inc. has attempted to collect this alleged debt without providing proper validation as required under 15 U.S.C. 1692g. If collection activity continued after dispute, this violates 15 U.S.C. 1692g ( b ), which requires cessation of collection until validation is mailed. The representation that interest accrues at 3.00 % without proof of contractual authorization may violate 15 U.S.C. 1692e ( 2 ) ( A ) and 1692f ( 1 ). III. FCRA Violations If this account has been reported to any consumer reporting agency without reasonable investigation, it violates 15 U.S.C. 1681s-2 ( b ). Failure to conduct a reasonable reinvestigation violates 15 U.S.C. 1681i ( a ). Failure to maintain reasonable procedures to assure maximum possible accuracy violates 15 U.S.C. 1681e ( b ). IV. Demand for Relief Within 15 days, Hunter Warfield , Inc. must : 1. Provide full debt validation including original signed lease and itemized accounting. 2. Provide proof of assignment and authority to collect. 3. Provide documentation proving interest accrual is contractually authorized. 4. Confirm whether the debt has been reported to any consumer reporting agency. 5. Cease all collection activity until validation is provided. 6. Remove and block any reporting associated with this identity theft under 15 U.S.C. 1681c-2. V. Notice of Intent to Sue If Hunter Warfield , Inc. fails to comply within 15 days, I will pursue civil action for violations of the FDCPA and FCRA. Under 15 U.S.C. XXXXk, statutory damages up to {$1000.00} plus actual damages and attorney fees are available for FDCPA violations. Under 15 U.S.C. 1681n and 1681o, statutory, actual, and punitive damages are available for willful or negligent noncompliance with the FCRA. All rights are reserved. Sincerely, XXXX XXXX XXXX All Rights Reserved and Retained XX/XX/year> XXXX

Company response to consumer: Closed with explanation