Consumer complaint received 2025-06-16 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: CO

Complaint narrative:
On XX/XX/2025, I received a debt collection letter from Hunter Warfield regarding an account they claim to be collecting on. I do not recognize this debt as valid, and I have not received proper validation as required by federal law. I formally issued a Cease and Desist Order under 15 U.S.C. 1692c ( c ) requesting that all communication cease unless proper validation is provided.

Despite this, they have continued to contact me and attempt to collect this debt. I believe this is a violation of the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting that the CFPB take immediate action to investigate and stop these unlawful practices.

I am also concerned about potential reporting to credit bureaus in violation of Colorado law, which restricts the reporting of medical debt under specific circumstances. I am requesting that this company be investigated for noncompliance and held accountable for any violations.

CEASE AND DESIST ORDER Pursuant to 15 U.S. Code 1692c ( c ) Communication in connection with debt collection TO : Hunter Warfield , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Toll-Free : XXXX FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX DATE : XX/XX/2025 RE : Cease and Desist Collection Activities Account # XXXX  / Creditor : XXXXXXXX XXXX XXXXXXXX Dea

r Hunter Warfield , Inc. , This letter is to inform you that I am formally exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) and hereby demand that you immediately CEASE AND DESIST from any and all forms of communication with me regarding the alleged debt referenced above. You are instructed to stop all telephone calls, mailed letters, emails, text messages, or any other method of contact pertaining to this matter. This includes contact made directly by your agency or through any affiliates, attorneys, or third-party entities acting on your behalf. Pursuant to 15 U.S.C. 1692c ( c ), once a debt collector is notified in writing that the consumer wishes the debt collector to cease further communication, the debt collector must not communicate with the consumer any further except : 1. To advise that further efforts to collect the debt are being terminated ; 2. To notify that the debt collector may invoke specified remedies which are ordinarily invoked by such debt collector ; or 3. To notify that the debt collector intends to invoke a specified remedy. Please note that any further attempt to collect this alleged debt beyond the allowable exceptions outlined above will constitute a violation of federal law and may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Colorado Attorney Generals Office. Additionally, you are to cease all reporting or furnishing of information regarding this alleged debt to any credit reporting agency. Be advised that Colorado law prohibits reporting certain debts, including medical debt, in many circumstances, and any violation may expose you to legal liability. If you believe this debt to be valid and enforceable, you are required to provide full validation of the debt, including : A copy of the original signed agreement with the creditor ; A full itemization of the charges and interest applied ; Proof of your legal authorization to collect on the account. Unless and until such validation is provided, you are not to pursue any further action on this matter. This order is effective immediately upon receipt. Keep a copy of this notice in your records and ensure full compliance. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief