Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: IL

Complaint narrative:
Complaint # XXXX Consumer : XXXX XXXX XXXX While I appreciate Hunter Warfields statement that the collection account has been closed and that a request was submitted to remove any credit reporting associated with this matter, their response does not fully resolve the legal issues raised in my complaint. Hunter Warfield acknowledges that the account was referred to them by XXXX XXXX on XX/XX/2025 with an alleged principal balance of {$67000.00}. However, despite acknowledging receipt of my identity theft claim and supporting documentation, Hunter Warfield has not provided copies of the records that were transmitted to their office in connection with this alleged debt. I. Right to Access Records Relating to Identity Theft Because I have reported that this alleged debt is the result of identity theft, I am entitled to obtain copies of all application and transaction records relating to the fraudulent account. Under 15 U.S.C. 1681g ( e ) ( Fair Credit Reporting Act ) : A consumer reporting agency and any business entity that has provided information relating to identity theft shall provide the victim with copies of all application and business records relating to the fraudulent account. This includes records in the possession of debt collectors who have received such records in the course of collection activity. These records are necessary for victims of identity theft to : * determine how the fraudulent account was created * identify the responsible party * provide documentation to law enforcement II. Duty to Provide Documentation of the Alleged Debt Although Hunter Warfield states it does not own the debt, it admits that the account was referred to them for collection. Therefore, Hunter Warfield must have received documentation sufficient to support collection activity. Under the Fair Debt Collection Practices Act, collectors may not attempt to collect a debt without the ability to substantiate it. Relevant provisions include : 15 U.S.C. 1692e Prohibits false or misleading representations regarding a debt. 15 U.S.C. 1692f Prohibits unfair or unconscionable collection practices. 15 U.S.C. 1692g ( b ) Requires that collection activity cease until validation is provided after dispute. Since Hunter Warfield attempted to collect this debt and sent collection communications regarding the account, it must have received documents supporting the alleged balance. Those records must now be disclosed so that I may review them. III. FTC Identity Theft Regulations Under the Identity Theft and Assumption Deterrence Act and implementing FTC regulations, victims of identity theft are entitled to obtain records that were used to open or service fraudulent accounts. See 16 C.F.R. 603.3 and 603.4. Businesses that possess records relating to identity theft must provide those records to the victim upon request. IV. Requested Production of Records To ensure transparency and compliance with federal law, I request that Hunter Warfield produce copies of the documents that were transmitted to their office regarding this alleged account, including but not limited to : 1. The referral package received from XXXX XXXX. 2. Any lease agreements or applications associated with the alleged account. 3. The itemized account ledger showing how the alleged balance of {$67000.00} was calculated. 4. Any collection notes or internal records created by Hunter Warfield regardi ng this account. 5. Any documentation provided by XXXX XXXX supporting the alleged debt. 6. Any records used to verify identity or establish liability for the alleged account. V. Confirmation of Credit Bureau Deletion Hunter Warfield also states that a request was submitted to the credit bureaus to remove any reporting related to this matter. Please provide written confirmation of : * the date deletion requests were submitted * the credit bureaus contacted * confirmation that the account will not be re-reported in the future VI. Conclusion While Hunter Warfield states that the collection account has been closed, the underlying issue of identity theft remains unresolved unless I am able to review the records that were transmitted to their office. As the consumer and identity theft victim associated with this alleged account, I am entitled under federal law to examine those records. I therefore respectfully request that Hunter Warfield provide the documentation referenced above so that this matter may be fully investigated. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation