Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NY

Complaint narrative:
I am submitting this detailed account to explain what happened regarding the item being reported under the name HWARFIELD, associated with account number XXXXXXXX XXXX The purpose of this statement is to fully describe the sequence of events, the issues with the reporting, the lack of proper validation, and the concerns surrounding the accuracy and fairness of the data currently appearing on my consumer credit reports. I am providing an extensive explanation so that the Consumer Financial Protection Bureau and the company involved can understand the full scope of the situation and take appropriate action. 

This report is being furnished about an account that I have no confirmed knowledge of, no documented history with, and no understanding of how it was created, assigned, transferred, or linked to my personal credit file. The appearance of this account took me by surprise, and it immediately raised concerns regarding whether this debt is legitimate, whether it is accurately associated with my identity, and whether the company involved has complied with the requirements of federal law in their handling of this matter. Because of these concerns, I am submitting this statement to outline everything that has occurred, how this situation has negatively impacted me, and why I am disputing the information associated with HWARFIELD under account number XXXXXXXX XXXX 

1. Discovery of the Account I first became aware of the HWARFIELD account when reviewing my credit reports for accuracy. While checking the trade lines that appear under my name, I noticed that an account from HWARFIELD a name I did not recognize had been listed on my file. I had never received any letter, phone call, email, or message indicating that any such company had opened or owned an account connected to me. There was no prior notice under the Fair Debt Collection Practices Act ( FDCPA ), no initial disclosure, no validation letter, no billing statements, and no indication that such a debt existed. 

This account appeared abruptly, without context, without explanation, and without any supporting information. It had never been presented to me in any form prior to its appearance on my credit file, which immediately raised concerns about whether this was a case of inaccurate reporting, a mistaken identity, a mixed-file issue, an assignment error, or an internal data mismatch within the company 's system. 

2. Absence of Any Prior Communication Before a company furnishes derogatory information to a consumer reporting agency, federal law requires that they first attempt to make contact with the consumer and provide notice of the debt. In this case, HWARFIELD did not communicate with me in any lawful or recognizable form prior to placing this account on my credit report.

I did not receive : A notice of debt A validation letter An itemized statement A breakdown of charges A notice of rights Any attempt to collect Any attempt to validate Any documentation at all This lack of communication is a critical part of what happened. At no point did HWARFIELD meet the legal obligations required of any entity seeking to collect or report a debt.

Because they did not provide any documentation or communication prior to reporting, I had no opportunity to determine whether the account was accurate, whether the amount was correct, whether the debt was legitimate, or whether the account belonged to someone else entirely.

3. No Contract, No Agreement, No Acknowledgment I have never opened any account with HWARFIELD. I have never applied for any service, product, credit line, membership, program, or agreement through this company. I have never signed any contract, electronically or otherwise. I have never granted consent for them to pull my credit, extend credit, or conduct any transaction in my name.

The absence of a contract is one of the main reasons I dispute this account. Without a contract, there is no lawful basis for HWARFIELD or any associated collector to assert that I owe them anything. A valid debt must be supported by : A signed agreement A record of the original transaction A documented account opening Clear terms and conditions Identification of the original creditor Proof of ownership of the debt A chain of assignments, if transferred None of this was provided to me at any point in time.

4. The Reporting Is Missing Key Data When an account is reported to the consumer reporting agencies, the information must be complete, accurate, and verifiable. In the case of the HWARFIELD account, several elements of the reporting were incomplete or questionable, including : Dates of account opening Dates of delinquency Dates of last activity Details of the original creditor Breakdown of balances Legal basis for assignment Identification information Payment history The trade line was reported without essential details that are required to determine whether it belongs to me. This lack of clarity suggests either internal errors, insufficient records, or a failure to maintain documentation as required.

The reporting of incomplete or unverifiable information is a violation of the FCRA, and this is a major part of what happened with this account.

5. Verification Attempts Resulted in Automated Responses When I disputed the HWARFIELD account with the credit bureaus, expecting that the company would provide actual documentation or validation, the verification process did not produce any meaningful evidence. The responses from the bureaus amounted to automated confirmations generated through the e-OSCAR system, which is a highly automated data-matching tool rather than a real investigation.

This means the company did not : Review original documents Confirm the identity match Provide evidence of ownership Provide account-level detail Provide a signed agreement Conduct a manual investigation Instead, the company furnished the same unverified data over again, repeating the same inaccurate information without engaging in a legally compliant investigation.

This failure to meaningfully investigate is, in itself, a major part of what happened.

6. Identity and Matching Concerns Another important part of what happened is the possibility of : A mixed credit file A misreported account from another consumer An internal clerical or system error Incorrect or partial identifiers being matched to my name Data migration errors Improper third-party reporting Because HWARFIELD has not provided documentation proving the account belongs to me, it is entirely possible that the account is associated with another individual and was incorrectly linked to my file.

The lack of supporting information and the absence of proper validation contribute to this concern.

7. No Proof of Assignment or Ownership If the account was originally created by another creditor and later assigned or sold to HWARFIELD, then federal law requires that : The company must have proof of ownership The assignment must be valid The chain of title must be clear All original documents must accompany the debt None of this has been provided.

HWARFIELD has not demonstrated that : They legally own the debt The debt was assigned lawfully The chain of ownership is intact The amount reported is accurate The reporting is permissible Since no documentation exists, the appearance of this account seems to be the result of incomplete record-keeping or unverified data sharing between entities.

8. The Reporting Has Caused Harm Because of this account being reported without validation, communication, or supporting documentation, I have experienced : Lowered credit scores Difficulty obtaining credit Negative impression to lenders Emotional stress Time spent disputing inaccurate information Concerns about identity theft This reporting has caused me harm despite the complete absence of proof that I ever owed any debt to HWARFIELD.

The presence of this account unvalidated, unsupported, and potentially inaccurate has created unnecessary hardship and has adversely affected multiple areas of my financial life.

9. My Right to Verification Was Ignored Under FDCPA guidelines ( if applicable ) and under general principles of fair reporting, I have a right to receive : Validation Verification Documentation Transparency Clear identification of the creditor Clear itemization of the amounts Because HWARFIELD never provided me with any such materials, I had no opportunity to review or dispute the debt before it was reported. This is a significant violation of standard consumer rights practices.

This forms a major part of what happened : the company furnished negative information without fulfilling the most basic obligations to notify and validate.

10. A Meaningful Investigation Never Occurred After I reported the issue to the credit bureaus, hoping that HWARFIELD would be required to produce documentation, I discovered that the investigation was superficial. Rather than producing documentation or examining the validity of the debt, the company simply verified the account through automated data-matching systems. 

This type of investigation does not meet the legal standard of a reasonable investigation required under the FCRA. A meaningful investigation requires reviewing original records, not repeating internal entries. 

Thus, what happened is that the company failed to conduct a legitimate investigation into my dispute.

11. The Reporting Is Unverifiable, Incomplete, and Questionable Every component of the reporting for the HWARFIELD account raises questions : No documentation No communication No signed agreement No validation No proof of ownership No itemization No timeline consistency No clear connection to me This suggests that the account may not legitimately belong to me and that the reporting is based on insufficient or inaccurate records.

12. Summary of What Happened To summarize in clear terms : An account under HWARFIELD XXXXXXXX XXXX  appeared on my credit report without any prior notice to me. 

I have no knowledge of this company and never opened an account with them. 

The company never contacted me, never validated the account, and never provided any documentation. 

The reporting is incomplete, inaccurate, and missing essential identifiers. 

Disputes resulted in automated verification, not real investigations. 

No contract, agreement, application, billing history, or chain of title has been produced. 

The reporting has negatively affected my financial life. 

Based on all available evidence, this account appears to be inaccurately reported and unverified. 

This concludes what happened.

Company response to consumer: Closed with explanation