Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc
State: FL

Complaint narrative:
Enclosed is the letter that I sent to XXXX XXXX demanding proof and also to cease and desist reporting on my consumer report. I have no business with nor have I signed any " contract '' with them therefore they should not be reporting anything on my consumer report. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, FL XXXX Subject : Cease and Desist Violation of FDCPA and Unlawful Collection Practices Dear XXXX XXXX, I am writing to formally dispute the alleged debt that your company claims I owe. Additionally, I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and demanding that you immediately cease any and all unlawful collection efforts, which may include harassment, intimidation, or misleading communications.

FDCPA Violations I have reason to believe that your actions may be in direct violation of the FDCPA, which prohibits : Harassment and Abuse ( 15 U.S. Code 1692d ) If you or your representatives have engaged in threats, intimidation, or repeated phone calls meant to annoy or abuse, this is a violation of federal law.

False or Misleading Representations ( 15 U.S. Code 1692e ) If your company has misrepresented the amount, character, or legal status of this debt, it constitutes deceptive practices.

Unfair Practices ( 15 U.S. Code 1692f ) If you have attempted to collect amounts that are not legally owed or have used unethical tactics, this is unlawful.

Potential Extortion and Blackmail Concerns If your company has implied legal consequences that are not lawful, threatened actions that you are not authorized to take, or coerced payment through intimidation or deceit, such conduct may constitute extortion or blackmail under applicable state and federal laws. Any such behavior will be documented and may be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office.

Demand for Proof & Cease Communication Validation of Debt Under 15 U.S. Code 1692g, I formally request written verification of this debt, including the original creditor, the full amount claimed, and a detailed breakdown of all fees or interest.

Cease and Desist I demand that all collection attempts and communications cease immediately unless you provide legitimate, verifiable proof that this debt is valid and legally enforceable.

No Third-Party Contact Do not contact my employer, family members, or any third party regarding this matter, as this is a violation of my rights under federal law.

Failure to comply with these demands may result in legal action, including filing a complaint with the CFPB, FTC, and state regulatory authorities. Furthermore, any continued attempts to use unlawful threats or coercion may subject your company to legal consequences.

I expect a response within 30 days of receipt of this letter. If I do not receive satisfactory documentation proving the validity of this debt, I will consider the matter closed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation