Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: GA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding an apartment collection debt that Hunter Warfield , Inc. is attempting to collect and/or reporting on my consumer reports. I dispute the validity, accuracy, completeness, and legal enforceability of this alleged debt. I request that the CFPB investigate the actions of this furnisher and collector, as their conduct appears to violate multiple federal statutes. 

-- - XXXX. Dispute of Validity Under the Fair Debt Collection Practices Act ( FDCPA ) * * Under the * * FDCPA, XXXX U.S.C. XXXX ( b ) * *, once a consumer disputes a debt, the collector must cease collection until they provide proper validation. I have disputed this debt, and Hunter Warfield failed to provide the following items required for meaningful validation : * A complete itemized ledger showing all charges from the apartment complex * A copy of the signed lease agreement * Proof of their legal authority or assignment to collect this debt * Documentation showing how the alleged balance was calculated * Evidence that I am legally responsible for this amount under state landlord-tenant law Without these documents, the collector can not lawfully continue collection efforts or report the debt. 

-- XXXX. Furnishing Inaccurate Information in Violation of the Fair Credit Reporting Act ( FCRA ) * * I believe Hunter Warfield is violating the * * FCRA, XXXX U.S.C. XXXX ( a ) * * by reporting information that is : * * * Inaccurate * * * * * Incomplete * * * * * Unverifiable * * The FCRA requires XXXX to ensure maximum possible accuracy ( * * XXXX U.S.C. XXXX ( b ) * * ). Reporting an unvalidated and disputed debt violates this requirement. 

In addition, after a consumer disputes information, furnishers must conduct a XXXX XXXX reasonable investigation XXXX XXXX under XXXX XXXX  XXXX U.S.C. XXXX ( b ) * *. XXXX XXXX has failed to provide any evidence that a reasonable investigation took place. 

-- - # # # * * XXXX. Potential Violations of the CFPB Regulation F ( XXXX C.F.R. Part XXXX ) * * Under Regulation F, collectors must avoid : * False, misleading, or unsubstantiated claims * Failure to provide required disclosures * Continuing collection on a disputed debt without validation Hunter Warfields conduct may constitute noncompliance with these regulations. 

-- - # # # * * XXXX. Possible Violation of State LandlordTenant Law * * Many states require landlords to : * Provide written move-out documentation * Provide itemized statements of charges * Return deposits within a statutory timeframe * Demonstrate actual damages The apartment complex and its agents have not demonstrated compliance with these laws. Any debt arising from noncompliance is not legally collectible and should not be furnished to consumer reporting agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Request for CFPB Investigation and Corrective Action * * I request that the CFPB : XXXX. Investigate the collection and furnishing activities of Hunter Warfield , Inc . 
XXXX. Require them to provide full and complete validation documentation or remove the debt from all collection and reporting activities. 
XXXX. Require correction or deletion of any information on my credit reports that can not be verified according to the standards of the FCRA and FDCPA. 
XXXX. Take enforcement action if violations are confirmed. 

-- - # # # * * XXXX. Requested Outcome * * * Removal of the alleged collection account from all consumer reporting agencies * Cessation of all collection activity unless lawful validation is provided * Written confirmation of the results of this investigation

Company response to consumer: Closed with explanation