Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
I recently reviewed my credit report again and noticed there are several inaccurate items on my report still remaining. Please be noticed that I do not consent to E-Oscar or any means of automation verification. I understand that the information youre reporting on my credit report follow a presumed industry standard format called e-oscar/metro 2 and information must be reported with maximum possible accuracy. However upon review of my credit report I have found out that the following accounts are reporting inaccurately.

Upon proof of claim of an original contract with my name and signature which you should have on file from account listed below. Under the FCRA, 15 U.S. Code 1692a, 15 U.S. Code 1681 Late Pays violation of State and Federal law reporting. There should be no reporting unless you provide me proof of claim this company is reporting on this account with 100 % accuracy. By the Consumer Protection laws I demand that if unable to confirm or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as Agreed Never Late ) and supply a corrected credit profile to any creditors who have requested a copy of my credit report in the last 6 months.

Validate this accounts that this is reporting 100 % accurate and without error, and if its not, immediately Delete this account from my credit file.

According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ), I have the right to dispute any information on my credit report that I believe is not correct. I reserve the right to dispute any information that I deem to be inaccurate. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX  reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing. 
This represents an open account on the screenshots XXXX XXXX, No status, but updated on XX/XX/XXXX, but nothing for XXXX or XXXX or any other months. Theres no data. 
Lets examine Account Status showing Open I bet you can't wait until I'm done with this account! The compliance standards are really important, and your reporting ability is clearly lacking. As we know from the news lately -- inaccurate credit records lead to higher interest rates on loans or even worse... Prove that all information for this particular account has been verified. 
Im reaching out because this account Hunter Wardfield with number XXXX is showing up wrong on my credit report as Collection Or ChargeOff, and its really holding me back. You mentioned that this account was opened on XXXX, had a date of last activity of XXXX, and was last verified on XXXX. This information is incorrect, and I demand that you delete this account immediately. 
This inaccurate report is seriously affecting my ability to reach my financial goals, such as securing a loan or refinancing my mortgage. Under 15 U.S.C. 1681i, I have the right to request the methods and documentation used to verify this information. Additionally, I want you to provide me with proof that I owe the {$560.00} as I am certain I do not owe this amount. 
Cases like XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) demonstrate that credit bureaus have a legal obligation to conduct thorough investigations. Please handle this matter promptly According to the law, you and data furnishers must certify all aspects of required XXXX XXXX compliance. This must be done in a truthful, correct manner that is complete as well timely so it does not violate my consumer rights or civil freedoms!

Company response to consumer: Closed with non-monetary relief