Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: AR

Complaint narrative:
Companies involved : XXXX  XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( debt collector / furnisher ) Original creditor listed : XXXX XXXX XXXX XXXX Account/Amount : XXXX XXXX XXXX for {$2900.00} My XXXX  dispute ID : XXXX Key dates : XX/XX/XXXX ( prior inquiry on file ; included for timeline completeness ) XX/XX/XXXX Collection shows opened ( per XXXX XXXX detail screen ). 
XX/XX/XXXX I filed a XXXX  dispute of the XXXX XXXX collection. 
XX/XX/XXXX Item shows Reported : XX/XX/XXXX by XXXX XXXX. 
XX/XX/XXXX XXXX  resolved my dispute Approved ; my XXXX XXXX XXXX  summary displayed Clean slate! As of XX/XX/XXXX, you have no collection accounts on your credit report. My score increased that day. 
XX/XX/XXXX The same collection reappeared on my XXXX  report ( via XXXX XXXX ) with the same details and balance without any written notice to me. 
XXXX XXXX XXXX, XXXX I received a XXXX XXXX  notification that my report changed. 
XX/XX/XXXX In XXXX  chat, an agent confirmed the account is still on your report, and later claimed it was not removed only updated, which conflicts with my XXXX XXXX XXXX Collections screen from XX/XX/XXXX. 

What happened and why Im complaining : I disputed a XXXX XXXX collection with XXXX  on XX/XX/XXXX. On XX/XX/XXXX, XXXX  resolved the dispute in my favor ( Approved ). My XXXX  overview ( as shown in XXXX XXXX, which pulls directly from XXXX  ) stated no collections on my report. Less than a day later ( XX/XX/XXXX ), the same collection reappeared with the same balance and details. I did not receive any written notice within XXXX business days informing me of a reinsertion. In a subsequent chat, XXXX  stated the item was not removed, only updated, despite my screenshots showing the account had been removed ( XXXX XXXX ). These statements are inconsistent and misleading, and I believe the reinsertion occurred without proper certification/notice. 

Why this likely violates the law : XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) ( FCRA XXXX ( a ) ( XXXX ) ( B ) ) : If information is deleted after a dispute, a CRA may not reinsert it unless the furnisher certifies accuracy and the CRA notifies the consumer in writing within XXXX business days of reinsertion. I received no written notice after the item reappeared. 
XXXX U.S.C. XXXX ( b ) : CRAs must follow reasonable procedures to assure maximum possible accuracy. Showing no collections on XX/XX/XXXX and then showing the same collection again on XX/XX/XXXX with no notice, while telling me it was never removed, demonstrates inaccurate/conflicting reporting and inadequate procedures. 

Harm : The reappearance of a deleted collection negatively affects my credit standing, score, and ability to access credit on fair terms. It has caused confusion and forced me to spend time re-disputing and documenting an issue that should have been handled properly the first time. 

What Im requesting : XXXX. Immediate removal of the XXXX XXXX collection from my XXXX  file unless XXXX  can produce the furnishers reinsertion certification and proof that written notice was sent to me within XXXX business days of the reinsertion. 
XXXX. A written explanation from XXXX  confirming whether certification was obtained, the exact reinsertion date, and why no notice was sent. 
XXXX. A statement that XXXX  has taken steps to ensure compliance with FCRA XXXX ( a ) ( XXXX ) ( B ) and accuracy obligations under XXXX ( b ) going forward. 
XXXX. If the furnisher failed to certify or verify, I request permanent deletion and instructions for me to receive an updated report reflecting the correction. 

Evidence I will attach : Screenshot of XXXX  dispute # XXXX showing Approved/Resolved XX/XX/XXXX. 
Screenshot of Clean slate no collections message dated XX/XX/XXXX. 
Screenshot ( s ) showing the reappeared XXXX XXXX collection ( reported XX/XX/XXXX ; visible XX/XX/XXXX ) with {$2900.00} balance. 
XXXX  chat screenshots where the agent first confirms it is still on my report and later claims it was not removed, only updated. 
XXXX XXXX  notification showing my report changed following the dispute.

Company response to consumer: Closed with explanation