Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: NJ

Complaint narrative:
Subject : Formal Dispute of Alleged Debt XXXX XXXX/ Request for Validation, Investigation, and Offset To Whom It May Concern : I am submitting this letter to formally dispute the alleged debt being collected or reported in connection with XXXX XXXX XXXX XXXX. I dispute the validity, amount, ownership, and collectability of this alleged debt. XXXX XXXX XXXX XXXX is currently named as a defendant in a lawsuit filed by the New Jersey Attorney General and the Acting Director of the New Jersey Division of Consumer Affairs in the United States District Court for the District of New Jersey, Case No. XXXX, filed XX/XX/year>. The complaint alleges that XXXX and other large New Jersey landlords unlawfully colluded to raise residential rents by using XXXX rent-setting technology and by exchanging non-public, competitively sensitive information. The complaint alleges violations of the Sherman Act, the New Jersey Antitrust Act, and the New Jersey Consumer Fraud Act. Because this alleged debt arises from a landlord-tenant relationship with XXXX, and because XXXX is alleged by the New Jersey Attorney General to have participated in unlawful rent inflation and price-fixing conduct affecting New Jersey renters, I dispute that XXXX is entitled to collect the amount claimed. I further assert that XXXX owes us over {$35000.00} based on overcharges, damages, credits, offsets, security deposit issues, fees, rent increases, and/or other charges connected to the disputed tenancy. I request that the collector, creditor, furnisher, or any party attempting to collect this debt provide full verification and documentation, including : 1. A complete itemized accounting of the alleged debt, including rent, fees, utilities, penalties, interest, legal fees, collection fees, credits, deposits, and payments applied. 2. A copy of the lease, all renewals, notices of rent increase, move-out statements, ledgers, invoices, and any document supporting the amount claimed. 3. Proof that the amount claimed was calculated independently and was not affected by XXXX, XXXX, XXXX, XXXX XXXX XXXX, or any rent-setting algorithm or pricing software. 4. Proof that XXXX did not include unlawful, inflated, supracompetitive, or improperly calculated rent or fees in the alleged balance. 5. Proof of ownership or authority to collect this alleged debt. 6. The date of default, charge-off date if applicable, and the name and address of the original creditor. 7. Any documentation showing how XXXX calculated and applied any security deposit, refunds, credits, concessions, or tenant payments. 8. Any documents showing that the alleged amount was reviewed for offsets or damages owed to us. Until this dispute is fully investigated and verified, I request that all collection activity stop, that the account not be reported as valid, and that any credit reporting be deleted or marked as disputed. If this account has already been reported to any credit reporting agency, I request that the furnisher immediately update the account as disputed and conduct a reasonable investigation. This is not a refusal to communicate. It is a formal dispute of the alleged debt and a request for verification, investigation, and correction. I do not admit liability for this alleged debt. I reserve all rights, claims, defenses, offsets, and remedies available under federal and New Jersey law, including but not limited to the FDCPA, FCRA, New Jersey Consumer Fraud Act, New Jersey Antitrust Act, and any applicable landlord-tenant laws. Please provide a written response with all supporting documentation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation