Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: TX

Complaint narrative:
I XXXX XXXX, am filing this complaint to formally report willful and unlawful debt collection and credit reporting practices regarding an alleged debt being reported by HUNTER WARFIELD INC in the amount of {$10000.00} who is also pretending to be an alleged original creditor : see attachment This is my SECOND and FINAL FORMAL DISPUTE of this account. The company was previously notified that this alleged debt is disputed, yet it has continued collection efforts and has falsely reported this account to consumer reporting agencies as valid, causing measurable harm to my credit profile, financial standing, and ability to obtain credit. Their continued actions constitute knowing, willful, and malicious noncompliance with both federal and Texas state law. 1. WILLFUL FALSE CREDIT REPORTING ( SECOND NOTICE ) Despite receiving prior written notice that this account is disputed, HUNTER WARFIELD INC has continued reporting this account to consumer reporting agencies without lawful validation or competent evidence establishing the accuracy or legal enforceability of the alleged debt. This conduct violates : * 15 U.S.C. 1692e False, deceptive, or misleading representations * 15 U.S.C. 1681s-2 ( a ) Furnishing inaccurate or unverifiable information * Texas Finance Code 392.202 ( a ) Failure to investigate a disputed debt * Texas Business & Commerce Code 17.46 Deceptive Trade Practices Act ( DTPA ) Their continued reporting of disputed and unverifiable information is defamatory, deceptive, and has caused real financial harm. 2. DEBT WAS CHARGED OFF AND WRITTEN OFF FOR TAX PURPOSES The alleged original creditor charged off this account and took a tax deduction for the loss. Once a creditor charges off a debt and claims it as a tax loss, the obligation is treated as a written-off financial asset. No IRS Form XXXX was ever provided to me, despite the alleged debt reportedly being placed for collection and monetized. Attempting to collect a debt that has already been written off and monetized through tax benefits constitutes : * Unjust enrichment * Double recovery * Fraudulent collection activity Violations include : * 15 U.S.C. 1692e ( 2 ) ( A ) Misrepresentation of legal status * Texas Finance Code 392.304 ( a ) ( 8 ) Misrepresentation of debt status * Texas Finance Code 392.304 ( a ) ( 19 ) False or deceptive means to collect 3. SALE OF ALLEGED DEBT FOR PROFIT The alleged original creditor transferred, assigned, or sold this account as a bad-debt asset for profit. HUNTER WARFIELD INC is attempting to collect on an obligation that has already been : * Charged off * Written off * Sold * Monetized This constitutes : * Deceptive trade practices * Conversion * Misrepresentation of ownership and legal status Violations include : * 15 U.S.C. 1692e ( 2 ) ( A ) * Texas Finance Code 392.304 ( a ) ( 8 ) * Texas Business & Commerce Code 17.46 4. NOT THE ORIGINAL CREDITOR / NO PRIVITY OF CONTRACT I never entered into any contractual agreement with HUNTER WARFIELD INC. They are a third-party debt collector with no privity of contract. They have failed to provide any authenticated : * Assignment agreement * Chain of title * Proof of lawful transfer * Accounting ledgers proving ownership * Signed lease agreement bearing my signature establishing liability This violates : * 15 U.S.C. 1692g Failure to validate * Texas Finance Code 392.202 ( d ) Failure to provide verification * Texas Finance Code 392.303 ( a ) ( 2 ) Attempt to collect unauthorized charges 5. DUPLICATE AND FALSE CREDIT REPORTING This alleged account is appearing as a collection account while failing to accurately disclose the legal status, ownership history, and validation of the alleged obligation. Any duplicate, misleading, inaccurate, or unverifiable reporting materially misrepresents the character, amount, and legal status of the debt. Violations include : * 15 U.S.C. 1692e ( 2 ) ( A ) * 15 U.S.C. 1681s-2 ( a ) * Texas Finance Code 392.304 ( a ) ( 8 ) * Texas Finance Code 392.304 ( a ) ( 19 ) 6. FAILURE TO INVESTIGATE AND CEASE COLLECTION AFTER DISPUTE Despite written notice of dispute, HUNTER WARFIELD INC : * Continued collection efforts * Continued credit reporting * Failed to provide lawful validation * Failed to conduct a reasonable investigation * Failed to cease communications regarding the disputed account Violations include : * 15 U.S.C. 1692c ( c ) Failure to cease communication * 15 U.S.C. 1692d Harassing conduct * Texas Finance Code 392.302 Harassment or abuse * Texas Finance Code 392.301 ( a ) ( 3 ) Threatening or coercive conduct STATUTES VIOLATED Federal Law * 15 U.S.C. 1692e False and misleading representations * 15 U.S.C. 1692d Harassment or abuse * 15 U.S.C. 1692c ( c ) Cease communication upon written notice * 15 U.S.C. 1692g Failure to validate * 15 U.S.C. 1681s-2 ( a ) False credit reporting obligations Texas State Law * Texas Finance Code 392.202 ( a ), ( d ) Failure to investigate disputed debt * Texas Finance Code 392.301 ( a ) ( 3 ) Threats or coercion * Texas Finance Code 392.302 Harassment or abuse * Texas Finance Code 392.303 ( a ) ( 2 ) Unauthorized charges * Texas Finance Code 392.304 ( a ) ( 8 ) Misrepresentation of debt status * Texas Finance Code 392.304 ( a ) ( 19 ) Deceptive collection practices * Texas Business & Commerce Code 17.46 Deceptive Trade Practices Act ( DTPA ) DEMAND FOR RELIEF I demand the following immediately : 1. Permanent deletion of this account from all consumer reporting agencies 2. Immediate cessation of all collection activity and communications 3. Full validation of the alleged debt, including : * Original signed contract or lease * Complete payment history * Chain of assignment/title * Proof of ownership * Itemized accounting ledger 4. Written confirmation that this account has been deleted and closed 5. Preservation of all records related to this matter for litigation purposes Failure to comply will result in additional complaints being filed with : * Texas Attorney General * Federal Trade Commission ( FTC ) * XXXX XXXX XXXX ( XXXX ) * Consumer reporting agencies I also reserve all rights to pursue civil remedies for damages, defamation, negligent reporting, willful noncompliance, and deceptive debt collection practices under federal and Texas law.

Company response to consumer: Closed with explanation