Debt collection -- Electronic communications -- Complaint #12701162
Complaint Overview
Complaint ID: 12701162
Company: Hf Holdings
Product: Debt collection
Sub-Product: Other debt
Issue: Electronic communications
Sub-Issue: Used obscene, profane, or other abusive language
State: Maryland
ZIP Code: 20902
Date Received: 2025-03-27T12:00:00-05:00
Date Sent to Company: 2025-03-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX RE : Formal Complaint Against HF Holdings , Inc. and XXXX XXXX XXXX for Debt Collection Practices and Privacy Violations Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding the improper and potentially unlawful actions of HF Holdings , Inc. and XXXX XXXX XXXX. These entities have engaged in unfair debt collection practices and mishandled my and my minor childs personal and medical information, which I believe violates both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). HF Holdings has reported a debt of {$1800.00} to my credit report, claiming I owe this amount to XXXX XXXX XXXX. However, my child never attended XXXX XXXX XXXX, and I never completed the required enrollment forms that would have authorized their services. Despite this, HF Holdings is attempting to collect a debt that has not been validated. Additionally, I have strong reason to believe that XXXX XXXX XXXX improperly disclosed my minor childs protected health information ( PHI ) to HF Holdings without my consent. This information includes XXXX XXXX, XXXX, and other sensitive health data. Such actions may constitute a violation of the Health Insurance Portability and Accountability Act ( HIPAA ). HF Holdings has failed to provide any legitimate proof of my obligation to pay this alleged debt, including : A signed agreement showing my acceptance of financial responsibility. Proof of services rendered or attendance records. Verification that they have legal ownership of the debt. Furthermore, my personal information, including my Social Security Number ( SSN ), has been reported to the credit bureaus without my consent or proper verification. In light of these concerning actions, I am requesting that the CFPB : Investigate HF Holdings , Inc. and XXXX XXXX XXXX for potential violations of the FDCPA, FCRA, and HIPAA. Require HF Holdings to cease all collection activities and remove the inaccurate debt from my credit report. Confirm that XXXX XXXX XXXX did not have legal authority to share my childs medical information with a third party. Ensure that both entities are held accountable for any unlawful actions.
Frequently Asked Questions
What is Complaint #12701162 about?
Complaint #12701162 was filed against Hf Holdings regarding Debt collection specifically about Electronic communications. It was received by the CFPB on 2025-03-27T12:00:00-05:00.
How did Hf Holdings respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Hf Holdings?
Yes, visit the Hf Holdings company profile at readthecomplaint.com/company/hf-holdings to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.