HW Holding, Inc.

My name is XXXX XXXX, residing at XXXX XXXX XXXX, XXXX, GA, XXXX. I am writing to file a formal complaint against Hunter Warfield regarding an erroneous collection account listed under account number XXXX. On XX/XX/year>, I discovered that Hunter Warfield is attempting to collect a debt of {$2800.00} that does not belong to me. This account has been inaccurately reported to the credit bureaus, affecting my credit score adversely, with current scores of XXXX from XXXX and XXXX. I have never entered into any contractual agreement that would result in the debt being collected by Hunter Warfield. I have conducted a thorough review of my records and confirmed that this debt is not valid. Despite this, Hunter Warfield has failed to provide adequate verification or validation of this debt, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA requires debt collectors to validate the debt and cease collection activities until such validation is provided.…

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On my behalf of my security this company has violated this laws, ( 15 usc 16666 ) 15 us 6802 /15 use 680 ( 15 usc 1692g/15 us 1692 c ( c ) ( 15 usc 6802 /15 usc 6801 ) Inquries ( 15 usc 16816 ) i have not had ownership of this account Account XXXX XXXX. Our lease term ended in XXXX of XXXX and the new lease agreement was never given to us because we were not living there. Also, I did not agree for this debt collector company to share my personal information or contact me via email, text, etc. This is a direct violation of my privacy and we will be taking legal action if this account does not get deleted.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

This debt collector has not provided me proper debt validation for this allege debt. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. XXXX ( a ), you must complete this reinvestigation within XX/XX/XXXXdays of receipt of this letter.

This debt collector has not provided me proper debt validation for this allege debt. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX days of receipt of this letter.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Disputed the debt with XXXX XXXX ( account number : XXXX ) around XX/XX/year> and requested documentary verification, including an itemized ledger and the basis for the extra month of rent on a customer care line. XXXX XXXX acknowledged the dispute but has not provided the results of a reasonable investigation or the documents needed to verify the debt. Instead, they continue to say they are collecting information. I sent a follow up email on XX/XX/XXXX, and on XX/XX/XXXX. On XX/XX/XXXX I got a response back saying they are collecting information. More than XXXX days have passed, and XXXX XXXX still has not provided the results of a reasonable investigation or documentary verification of the debt.

HWARFIELD is falsely reporting on my credit. I have never had any accounts with them. Per my research HWARFIELD is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

I am filing a complaint regarding Hunter Warfield ( debt collector ) for failure to properly update and remove a resolved account from my credit report. The account ( Acct # XXXX ) has been paid in full, and I have written confirmation from Hunter Warfield that a deletion request was submitted to all three credit bureaus. It has now been over 60 days, and the account is still reporting on my credit file. I contacted Hunter Warfield to resolve this, and the representative refused to provide written confirmation of any action, stated they would escalate, and then disconnected the call when I mentioned filing a complaint. This is inaccurate reporting of a resolved debt and failure to properly update consumer credit information. I am requesting immediate removal of this account from all credit bureaus and written confirmation of deletion.

HWARFIELD is falsely reporting on my credit. I have never had any accounts with them. Per my research HWARFIELD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

I am disputing a debt being collected by Hunter Warfield related to an apartment application at XXXX at XXXX XXXX. At the time I applied, I was informed that the rent for the unit was {$1400.00}. Based on that information, I submitted an application and paid the required fees. However, I was later denied because the approval process was based on a higher market rent of approximately {$1800.00}, which was never disclosed to me prior to applying. Had I been accurately informed of the actual rent and qualification criteria, I would not have applied or incurred any charges. I believe this constitutes a misrepresentation of the terms and conditions of the application. After being denied, I disputed the charge with my credit card company because I did not authorize or agree to charges under misleading or incomplete information. Despite this, the amount has now been sent to collections by Hunter Warfield. I do not believe I owe this debt and am formally disputing it.…

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I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

I am disputing a collection account reported by Hunter Warfield on my credit report for approximately {$5200.00}, originally from XXXX XXXX XXXX. I do not believe this debt has been properly verified or accurately reported. I have not been provided documentation showing how this balance was calculated, a copy of the original lease agreement with my signature, or an itemized statement explaining the charges. Under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, I am requesting that Hunter Warfield provide full validation of this debt. This includes the original contract or lease bearing my signature, an itemized breakdown of the amount owed, and documentation proving Hunter Warfield has the legal authority to collect this debt. If the company can not provide proper verification and documentation, I am requesting that this collection account be removed from all of my credit reports with XXXX XXXX and XXXX

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

HWARFIELD is falsely reporting on my credit. I have never had any accounts with them. Per my research HWARFIELD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Complaint # XXXX Consumer : XXXX XXXX XXXX While I appreciate Hunter Warfields statement that the collection account has been closed and that a request was submitted to remove any credit reporting associated with this matter, their response does not fully resolve the legal issues raised in my complaint. Hunter Warfield acknowledges that the account was referred to them by XXXX XXXX on XX/XX/2025 with an alleged principal balance of {$67000.00}. However, despite acknowledging receipt of my identity theft claim and supporting documentation, Hunter Warfield has not provided copies of the records that were transmitted to their office in connection with this alleged debt. I. Right to Access Records Relating to Identity Theft Because I have reported that this alleged debt is the result of identity theft, I am entitled to obtain copies of all application and transaction records relating to the fraudulent account. Under 15 U.S.C.…

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I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

I am submitting this complaint regarding a phone interaction I had with Hunter Warfield about an apartment-related debt they are reporting on my credit report. The reason I initially contacted the company was because I was unable to log into my account on their website. I was trying to access my account to review the details of the debt and understand my options for resolving it. When I called customer service, the representative did not assist me with the issue or provide any explanation as to why I could not access my account. Instead, the representative quickly shifted the conversation to asking whether I would make a payment that day. During the call, I scheduled a payment to be made next week in a good-faith effort to begin resolving the account. While speaking with the representative, I asked if the company offers a pay for delete option so I could better understand whether resolving the debt could potentially remove the collection from my credit report.…

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To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance : 1. A copy of the original signed contract or agreement bearing my signature ; 2. A full chain of title including all assignments and transfers of the alleged debt ; 3. A bill of sale or purchase agreement proving legal ownership of the debt ; 4. Proof of licensing to collect debt in my state5.…

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Validation of Debt Request - HWARFIELD - XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

This account was referred to Hunter Warfield by XXXX XXXX XXXX. Account # This account was referred to Hunter Warfield by XXXX XXXX XXXX. However, the warrant of restitution was canceled and no money judgment was entered. I have not owed any amount under this account as verified by court records. Therefore, the account is being inaccurately reported and I request it be removed from my credit report. Attached are supporting documents including court cancellation records and account correspondence.However, the warrant of restitution was canceled and no money judgment was entered. I have not owed any amount under this account as verified by court records. Therefore, the account is being inaccurately reported and I request it be removed from my credit report. Attached are supporting documents including court cancellation records and account correspondence. Also mentioned it will go to court if no payment

I moved out of XXXX XXXX in 2021. I signed a form given them notice that I was leaving and paid my last months rent a few months later down the line I get a notice that .. did they put on my credit report that I did not pay months rent and they tacked on a bunch of charges that made no sense, including me leaving furniture in the house that I did not leave whatsoever .. theres a young lady in XXXX XXXX XXXX has been tacking on false charges to people accounts for over XXXX years now multiple of those charges were sent to court and was thrown out. Unfortunately I wasnt able to go to court because they refuse to take me to court. But put it on my credit report.XXXX XXXX XXXX % disputed this action on my credit report and it was removed just to find out later on that they removed from our credit report but it still remained on my file..

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I am amidst the worst hardship I have ever endured. I am currently unemployed and technically homeless. My means of income are very limited and I quite frankly have nothing to call my own, I would at least like to have a clean line of credit. With all of this happening I feel so helpless and I would appreciate all assitance.

HWARFIELD is falsely reporting on my credit. I have never had any accounts with them. Per my research HWARFIELD is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

To Whom It May Concern, I am writing to formally dispute an account that is currently being reported on my credit report. The account in question shows a balance that has already been paid in full and the account is closed. Because the account has been satisfied and no balance is owed, I am requesting that this account be removed from my credit report immediately. The continued reporting of this account is inaccurate and negatively affecting my credit profile. Please investigate this matter and update my credit report accordingly. If you are unable to verify the accuracy of this account, it must be deleted under the Fair Credit Reporting Act ( FCRA ). I have attached any supporting documentation showing that the account has been paid in full. Please send me written confirmation once the investigation has been completed. Thank you for your prompt attention to this matter.