Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX VIA CERTIFIED MAIL RETURN RECEIPT XXXX Hunter Warfield XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : RE : XXXX XXXX XXXX Re : Cease and Desist and Demand for Removal of Fraudulent Debt Account/Reference Number ( if applicable ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Hunter Warfield XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX writing to formally demand that you immediately cease all collection efforts and remove the fraudulent debt allegedly owed under the name XXXX XXXX XXXX from my credit report. This letter is in response to the following false and harassing collection activity : XXXX XXXX XXXX XXXX account, reported XX/XX/XXXX, in the amount of {$63000.00}, which you claim is past due as of XX/XX/XXXX. 
Contact info provided : Hunter Warfield at ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX, FL XXXX. 
I must emphasize that this alleged debt of {$63000.00} is based on an account and a rental agreement in which I have never been involved. I have no affiliation whatsoever with XXXX XXXX XXXX, and I have never owned, rented, or otherwise transacted with any property under that name. My personal data has been used fraudulently to create this debt, which you have reported to the credit bureaus. 

XXXX. Identity Theft and Fraudulent Debt I have been the victim of identity theft on multiple occasions. I did not sign any lease or authorize any rental agreement with XXXX XXXX XXXX. Your records are therefore inaccurate and rely on information obtained without my knowledge or consent. Attempting to collect on a fraudulent debt constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws. 

XXXX. Cease and Desist All Communication Effective immediately, you are hereby demanded to cease and desist all contact with me, my family membersincluding my elderly parents and grandparentsand my employer regarding this matter. Specifically : Stop calling my relatives and employer with threats of wage garnishment or other false claims. 
Stop leaving voicemail messages regarding this alleged debt. 
All further communication regarding this disputed debt must be made in writing to my address ( listed above ). Should I designate legal counsel to represent me, you will be provided with their contact information, and you must then direct all communications to that attorney. 

XXXX. Removal of Fraudulent Debt from My Credit Profile Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that all information you furnish to credit reporting agencies is accurate. Because this debt is fraudulent, you must : Promptly remove any reference to this XXXX XXXX XXXX debt from my credit report. 
Notify all consumer credit reporting bureaus of the inaccuracy and confirm deletion of this account from my file. 
Failure to promptly remove this erroneous reporting will result in my pursuing all available legal remedies against you, including ( but not limited to ) filing complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and the offices of the Attorney General in my state. 

XXXX. Harassment and Illegitimate Threats You have reportedly contacted my elderly parents, grandparents, and my employer with threats and coercive language, attempting to elicit payment from me on a debt that does not belong to me. Such behavior is harassment, in direct violation of the FDCPA. If these activities continue, I will explore further legal action. 

XXXX. Reservation of Rights Nothing in this letter shall be construed as a waiver of any rights, remedies, or defenses that I may have under contract, law, or equity. I expressly reserve all such rights and remedies. 

XXXX. Demand for Written Confirmation I request a written response within thirty ( XXXX ) days confirming : That you have ceased all collection activities on this alleged debt. 
That you have directed all consumer reporting agencies to remove any negative credit entry related to the XXXX XXXX XXXX debt. 
That you have closed the account as fraudulent and will no longer attempt to collect this debt. 
If you fail to comply with these demands, I will have no choice but to pursue all legal remedies available to me. 

Thank you for your prompt attention to this serious matter. I expect immediate action and confirmation of your compliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation