Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HW Holding, Inc
State: WI

Complaint narrative:
XXXX. XXXX XXXX XXXX is being reported as derogatory XXXX separate times across each bureau ( XXXX XXXX XXXX ) each listing displaying different closure and delinquency dates. ( XXXX ) the account was paid and closed in XXXX of XXXX and confirmed by the original creditor 's own data. Subsequent updates created new " delinquency '' periods, amounting to illegal re-aging. these conflicting versions violate FCRA607 ( b ) duty to maintain XXXX. possible accuracy. XXXX  was contacted XX/XX/XXXXXXXX XXXX XXXXXXXX regarding the listings, spoke to XXXX XXXX member relations, requested verification and DOFD XXXX name of account, account number and written verification to be sent. response : " unable to locate information due to old age of account and closure '' only partial card number given and agent stated several times FCRA law confirming acknowledgement of rules/regulations and questionable innacuracies.case number provided, no acknowledgement request for verification was sent. disputes have been opened on all bureau platforms with visual proof submitted. 
XXXX. XXXX XXXX  continues to appear as an active collection on XXXX  and XXXX XXXX XXXX XXXX  XXXX the same account and associated innacurate information determining I do not own the collection and could not be verified. XXXX dispute results dated XXXX XX/XX/XXXX confirmation number XXXX show both collection and addresses associated deleted. XXXX recently marked this same account as " verified '' and recently listed an original creditor creating an inter-bureau conflict and direct violation of FCRA 607 ( b ) and 611 ( a ). 
timeline ; XXXX responsibly closed XXXX credit card account while clearing debts due to XXXX XXXX XXXX  complications and hospitalization due to covid and quarantined and layoff from work. 
XXXX despite closure, new delinquency dates began appearing under same account number XXXX Equifax completed investigation into XXXX collection entries ( XXXX XXXX XXXX XXXXXXXX XXXX ) after I was made aware and submitted disputes for various innacuracies and confirmed deletion of those items and the addresses tied to them. 
XXXX all bureaus still show re-aging of XXXX  accont, and XXXX bureaus ( XXXX  XXXX continue to show re-aged and " verification '' of an active XXXX XXXX collection, XXXX inconsistent with XXXX XXXX verified XXXX. 
RELIEF REQUESTED I respectfully request that the CFPB XXXX all XXXX XXXX XXXX ( XXXX XXXX XXXX ) and the furnishers ( XXXX XXXX XXXX, XXXX XXXX ) to : XXXX ) delete all duplicate and re-aged XXXX XXXX XXXX XXXX, retaining only the original " XXXX on time /paid/closed/requested by consumer '' record. 
XXXX ) delete all Hunter Warfield Inc. accounts and any addresses previously tied to those invalid collections. 
XXXX ) PROVIDE WRITTEN CONFIRMATION THAT EACH BUREAU HAS UPDATED MY CREDIT FILE TO REFLECT ACCURATE INFORMATION ACROSS ALL AGENCIES. 

I can and am willing to attach/submit any and all evidence including the equifax dispute result letter, all screenshots of visual proof showing duplicates and re-aged dates and a recorded call summary with XXXX verifying they can not access older account details and that the account has been closed for years/unable to provide verifying information requested.

Company response to consumer: Closed with explanation