Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: TX

Complaint narrative:
I am writing to formally dispute an inaccurate and unverifiable collection account appearing on my credit report. I did not authorize, engage, give permission, negotiate, spoken with, or access to Hunter Warfield or agency on my behalf.

The account in question is reported by Hunter Warfield, referencing XXXX XXXX XXXX, and is listed under different details across XXXX, XXXX, and XXXX. The discrepancies in reporting constitute a clear violation of FCRA 1681e ( b ), which mandates credit bureaus to ensure the accuracy of information reported. 
Discrepancies in Credit Reports Violation of Accuracy Standards The following table highlights the inconsistencies in reporting, demonstrating the accounts unreliability : Attribute XXXX XXXX XXXX XXXX XXXX Hunter Warfield Hunter Warfield Hunter Warfield Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$1300.00} {$1300.00} {$1300.00} Original Balance {$1300.00} {$1300.00} {$1300.00} Status Collection account, {$1300.00} past due as of XX/XX/XXXX Unpaid, {$1300.00} past due as of XX/XX/XXXX Collection, {$1300.00} past due Status Updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Removal Date Not explicitly mentioned Not explicitly mentioned XX/XX/XXXX Responsibility Individual Individual Individual Comments/Remarks No specific remarks Contact Hunter Warfield for details Placed for collection Grounds for Immediate Deletion 1. Inaccurate & Conflicting Information The balance, status update dates, and account number details vary across the three credit bureaus, proving the data is unreliable. 
1. As shown in the table above, this collection account is not consistently reported, violating FCRA 1681e ( b ), which requires the maintenance of accurate and up-to-date consumer credit information. 
Due to these inconsistencies, the account can not be verified as accurate and must be deleted in compliance with FCRA.

2. This contradicts the FCRA requirement to maintain consistent, verifiable, and accurate information.

2. FCRA 1681i Failure to Properly Verify the Debt I have not received any legally sufficient validation of this alleged debt. 
Without proper verification, this account is erroneous and unverifiable, requiring immediate removal. 
1. A collection must be removed if it can not be fully verified.

3. My Lease Was Completed in Full No Debt Owed I have enclosed payment confirmations from XX/XX/XXXX to XX/XX/XXXX, including a cashiers check for XX/XX/XXXX, proving full lease completion with no balance due. 
1. This includes my formal 60 Day Notice to Vacate submitted XX/XX/XXXX. 
2. This includes my XXXX XXXX bank statements regarding payment details to cross reference by date. 
Since my lease agreement was fulfilled, this collection is false and must be deleted immediately. 

4. Violation of FDCPA 1692c Unauthorized Communication Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors may not report or attempt to collect a debt that is inaccurate or unverified.

1. Hunter Warfield has no legal basis for this collection.

Any further communication regarding this erroneous account must cease immediately. 

5. Copies of All Three Credit Reports Showing the Hunter Warfield Collection Attached are copies ( the page ) of my XXXX, XXXX, and XXXX reports, each showing conflicting details for this collection account. 
This further supports my claim that the account is unverifiable and must be removed immediately. 




Formal Request for Immediate Deletion Based on these clear violations, I formally request that this collection account be permanently deleted from my credit report. This is not a request for investigationthis is a demand for deletion due to clear inaccuracies, unverifiable data, and non-compliance with federal laws. 

Under FCRA XXXX, you are required to correct or remove inaccurate information within 30 days. Failure to comply may result in : A formal complaint to the Consumer Financial Protection Bureau ( CFPB ). 
Legal action for failure to comply with federal credit reporting laws. 

Required Action : Permanently delete the collection account from my credit report. 
Provide written confirmation that this account has been removed. 
Refrain from reinserting this account in the future, per FCRA 1681i ( a ) ( 5 ).

Failure to act accordingly will result in immediate escalation. I expect written confirmation of the deletion within 30 days of receipt of this letter. 

Completed Payments Made to XXXX XXXX [ 12 Month Lease ] XX/XX/XXXX : {$2600.00} [ Move In + First Month 's XXXX Rent ] XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00} [ for XX/XX/XXXX ] XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$1900.00} [ for XX/XX/XXXX \ final month 's payment ] See Attachments.

Company response to consumer: Closed with explanation