Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX CC : Hunter WarfieldXXXX XXXX XXXX XXXX, FL XXXX : ( XXXX ) XXXX Subject : Formal Dispute of Inaccurate Credit Information Pursuant to FCRA Sections 1681i, 1681e ( b ), and 1681s-2 ; Demand for Permanent Deletion, Verification of Method, and Compensation for Violations Including XXXX XXXX Non-Compliance, FDCPA Infractions, and Wire Fraud Implications Account # XXXX ( Hunter Warfield / Original Creditor : XXXX at XXXX ) Dear Credit Reporting Agencies and Furnisher, This letter serves as my formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding inaccurate, incomplete, and unverifiable information appearing on my credit reports. I am disputing the entry for the account with Hunter Warfield ( Account # XXXX, opened XX/XX/XXXX, collection account type, reported balance {$6300.00} as of XX/XX/XXXX, original balance {$5900.00}, original creditor : XXXXXXXX XXXX XXXX ). This account is inaccurately reported as 180 days late without any progression through 30, 60, 90, 120, or 150 days delinquent, which violates XXXX XXXX reporting standards and constitutes an inaccuracy under FCRA 1681e ( b ). Additionally, the Date of First Delinquency ( DOFD ) is incorrectly reported or absent, in violation of 15 U.S.C. 1681c ( a ) ( 4 ) and 1681s-2 ( a ) ( 5 ), as it fails to reflect the true delinquency timeline and improperly extends the reporting period.

The reported status as a Collection account. {$6300.00} past due as of XX/XX/XXXX with status updated XX/XX/XXXX, and payment history showing sporadic - and C entries without proper delinquency progression, is misleading and factually inaccurate. Under XXXX XXXX guidelines ( the industry standard for FCRA-compliant reporting ), delinquency status must accurately reflect sequential stages ( e.g., 30-59 days, 60-89 days, etc. ) before reaching 180 days or charge-off/collection status. Skipping these stages without evidence of actual delinquency progression is a violation, as upheld in cases like CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, where courts recognized that non-compliance with XXXX XXXX formats can evidence FCRA inaccuracies under 1681e ( b ) and 1681i. Furthermore, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court addressed FCRA claims for inaccurate late payment reporting, emphasizing that CRAs and furnishers must ensure factual accuracy and delete unverifiable data. 
Hunter Warfield, as the furnisher, has violated its duties under FCRA 1681s-2 ( a ) by furnishing inaccurate data, including the wrong DOFD, which must be reported within 90 days of delinquency per CFPB guidance on facially false data ( XXXX XXXX, XXXX XXXX, XXXX ). This also breaches 1681s-2 ( b ), requiring a reasonable investigation upon dispute. The CFPBs consent order in In re XXXX XXXX XXXX XXXX ( XXXX ) highlighted penalties for DOFD errors that misled consumers and extended negative reporting periods unlawfully. By uploading false or unverifiable data through the e-OSCAR system, Hunter Warfield has communicated misleading information electronically, potentially constituting wire fraud under 18 U.S.C. 1343, as it involves interstate electronic transmission of false data for the purpose of deceiving CRAs and harming my credit.

Under FCRA 1681i ( a ), you are legally required to conduct a reasonable reinvestigation of this disputed information within 30 days, including reviewing all relevant information I provide ( attached : copies of my credit reports highlighting the inaccuracies, payment records showing no evidence of sequential delinquencies, and correspondence with the original creditor ). You must forward this dispute to the furnisher via e-OSCAR or otherwise, but I demand a manual, non-automated investigation to beat the e-OSCAR systems limitations, as automated verifications often fail to address substantive disputes ( as noted in CFPB reports on e-OSCAR inefficiencies ). If the information can not be verified with original documents ( e.g., original billing statements, payment ledgers ), it must be deleted permanently under 1681i ( a ) ( 5 ). The Federal Rules of Evidence Rule 1002 ( Best Evidence Rule ) supports my demand for original proof, as secondary summaries are insufficient for verification in disputes. I have never received a method of verification as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), and I hereby demand it be provided within 5 days of your reinvestigation results. 
Additionally, this reporting violates the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., as Hunter Warfield is a debt collector under 1692a ( 6 ). By reporting inaccurate delinquency without proper notice of negative information under FCRA 1681s-2 ( a ) ( 7 ) ( requiring pre-furnishing notice for delinquencies ), and failing to mark the debt as disputed post-notice, they have used false, deceptive, or misleading representations in debt collection ( 1692e ). In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held that failing to report a dispute to CRAs violates FDCPA 1692e ( 8 ). Hunter Warfields actions also breach FDCPA 1692f by using unfair means to collect, including inaccurate credit reporting.

Relevant to payment timing, under the Fair Credit Billing Act ( 15 U.S.C. 1666b ), creditors must adhere to proper billing cycles, treating payments as timely if received by XXXX XXXX. on the due date, and not impose late fees without reasonable procedures. Any alleged late payments here lack verification of compliance with these rules ( see also 12 CFR 1026.13 and 15 U.S.C. 1637 ( a ) ). If the original creditor ( XXXX at XXXX ) and Hunter Warfield are affiliated or the same under 1681b, communications must be clearly disclosed, but no such notice was provided. 
All accounts must report the furnishers role accurately under XXXX XXXX and FCRA XXXX ( b ), which Hunter Warfield has failed to do by not specifying their status as a third-party collector and misreporting the delinquency ladder. This is not compliant with XXXX XXXX XXXX XXXX XXXX XXXX XXXX guidelines, if intended ; assuming reference to CRA obligations ). 
I demand : XXXX. Permanent deletion of this entire account from my credit files across all CRAs. 
XXXX. Compensation for violations : Actual damages ( e.g., denied credit opportunities, higher interest rates, emotional distress ) estimated at {$10000.00}, plus statutory damages of {$1000.00} per willful violation under FCRA XXXX and XXXX, and punitive damages for reckless disregard. FDCPA violations entitle me to up to {$1000.00} per violation under XXXX. 
XXXX. XXXX cessation of all reporting and collection activities until resolved. 
XXXX. Written confirmation of deletion and updated credit reports within 30 days. 
Failure to comply will result in legal action in federal court for FCRA and FDCPA violations, seeking all available remedies including attorney fees. I reserve all rights under XXXX XXXX without prejudice.

Company response to consumer: Closed with explanation