Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: TX

Complaint narrative:
I am writing in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), to formally dispute the validity of the debt ( account no XXXX ). I have no knowledge of this alleged account and do not recall receiving any prior notice affording me the opportunity to dispute it. 

If you contend that notice was properly sent, please provide a copy of the initial communication along with proof of delivery by certified mail with a return receipt bearing my signature. In the absence of this, I request that you immediately cease all collection activities and remove this account from any credit reporting agencies, as continued collection activity without proper validation constitutes a violation of federal law. 

Please be advised that under 15 U.S.C. 1692g ( b ), a debt collector must cease collection of a debt until proper validation is provided. As clarified in XXXX v. XXXX XXXX, XXXX. XXXX XXXX XXXX  ( XXXX XXXX XXXX ), reporting an account to the credit bureaus constitutes collection activity and must cease pending proper validation. 

This is not a request for partial or generic validation. I am requesting complete and sufficient documentation, including but not limited to the following : 1. A detailed itemization of the alleged debt, including : * Dates of all transactions * Description of goods or services provided * Amounts charged per transaction * Dates and amounts of any payments made * Explanation of any interest, fees, or penalties applied 2. As established in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ), a complete payment history from the original creditor is necessary for proper validation. 
3. The name and address of the original creditor, and documentation of the original agreement containing my signature, evidencing that I entered into a contract with said creditor and agreed to the terms alleged. 
4. A copy of any documentation that proves your legal authority to collect on this debt, including : * Bill of sale, assignment, or other transfer agreement from the original creditor to your company * Documentation that clearly shows the alleged debt was transferred while still valid and collectible * Any agreement between your agency and the original creditor granting you collection rights 5. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX, XXXX ), which held that a debt collector must prove its right to collect by producing proper documentation of the assignment. 
6. Proof that the debt has not been paid, settled, discharged, or otherwise resolved. 
7. Verification of my identity, including the full Social Security number and any identification used to incur the alleged debt. If your records pertain to another individual or are incomplete, you are required to correct or delete any reporting made to the credit bureaus. 

Please treat this letter as a formal dispute and request for validation under the FDCPA. While this account remains in dispute and unvalidated, you are not legally permitted to continue any collection efforts or report this account to any consumer reporting agencies. 

Should you fail to provide proper and complete validation within 30 days, I will have no choice but to pursue all remedies available to me under federal and state law.

Company response to consumer: Closed with non-monetary relief