Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: CA

Complaint narrative:
I sent this letter via a certified mail : XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Subject : Formal Debt Dispute and Cease & Desist Account XXXX / Ref XXXX XXXXXXXX To Whom It XXXX Concern, This letter is in response to your collection notice dated XX/XX/year>, regarding an alleged debt of {$1400.00} for account XXXX, originally held with XXXX XXXX. 

I hereby dispute the validity and enforceability of this debt in full. 

XXXX. Debt Is Invalid Due to Habitability Violations and Diminution in Value This alleged amount is not owed due to multiple, unresolved breaches of the implied warranty of habitability, including : - Severe XXXX XXXX, as documented and reported ; - Ongoing XXXX infestations impacting neighboring and attached units ; - Repeated water shut-offs, lack of hot water, and elevator malfunctions ; - Failure to remediate these issues in a legally compliant or timely manner. 
These issues rendered the unit XXXX  for prolonged periods, giving rise to my right under California XXXX XXXX XXXX to withhold rent and/or claim rent abatement. I assert that the debt is void or substantially reduced due to these legal offsets and XXXX 

XXXX. Right to XXXX XXXX and XXXX XXXX XXXX California law, tenants are not liable for full rent when the value of the premises has been significantly diminished. Any amount claimed must be offset by the diminution in rental value, and such reductions have not been acknowledged in your calculation. 

XXXX. Demand for XXXX XXXX to the FDCPA ( XXXX XXXX. XXXX ) and the XXXX Fair Debt Collection Practices Act, I demand the following : - Full itemized breakdown of the alleged charges ; - Copy of the original lease agreement and move-out statement ; - Record of all payments, credits, and adjustments ; - Documentation supporting the validity and assignment of this debt ; - Details of any prior collection attempts or dispute responses. 

XXXX. Cease and Desist Effective immediately, I invoke my rights under XXXX XXXX. XXXX ( c ) and XXXX. XXXX. Code XXXX, and formally demand that you CEASE AND DESIST all collection activity, including : - Phone calls or electronic messages ; - Contact at home or work ; - Communications with XXXX XXXX ( other than authorized agents ) ; - Credit reporting related to this disputed claim. 
Any continued contact or attempt to collect this disputed, legally offset debtwithout proper verificationmay constitute harassment, unlawful collection, and consumer rights violations under federal and California law. 

Please acknowledge receipt of this letter in writing and forward all requested documentation to the address above. If you fail to provide the requested validation, I will consider this matter closed and XXXX pursue additional remedies under applicable consumer protection laws. 

Sincerely, XXXX XXXX XXXX XXXX from Hunter Warfield called today XX/XX/XXXX at XXXX after the letter sent.

Company response to consumer: Closed with explanation