Debt collection -- Attempts to collect debt not owed -- Complaint #14007801
Complaint Overview
Complaint ID: 14007801
Company: Hw Holding, INC
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Georgia
ZIP Code: 30067
Date Received: 2025-06-10T12:00:00-05:00
Date Sent to Company: 2025-06-10T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
To Whom It May Concern : RE : Dispute of Inaccurate, Unverifiable, and Fraudulent Items Formal Request for Immediate Deletion under 15 USC 1692c & 1692g This is my third and final formal notice to your agency regarding the erroneous and unauthorized entries listed on my credit report. In compliance with 15 U.S.C. 1692c, I am exercising my right to restrict communication and dispute unlawful or harassing collection activities. Furthermore, I am demanding full validation of debt as required under 15 U.S.C. 1692g. The following accounts are disputed and must be permanently deleted immediately due to failure to comply with federal law, including but not limited to : Failure to validate debt within 30 days as mandated. Reporting inaccurate, outdated, and unverifiable information. Attempting to collect or report debt without possession of legal documents ( contract, assignment, flow agreement ). Willful violation of my privacy and data exposure in a known breach. Continued reporting of fraudulent accounts and addresses not authorized by me. Disputed Account ( s ) : [ Creditor/Collector Name ] Account Number : [ XXXXXXXX XXXX XXXX ] Reported By : [ XXXX XXXX XXXX XXXX XXXX LEGAL DEMANDS : I hereby formally request the following for each alleged debt : Complete validation of debt. Copy of the original signed contract with my wet signature. Full chain of assignment or flow agreement. Bill of Sale between original creditor and current owner. Proof your company is legally authorized to collect and report this item. Absent this documentation, you are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), and you are required to immediately remove the account ( s ) from my credit report. This matter is being formally reported to the following regulatory agencies for enforcement and review : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX Office of the Comptroller of the Currency ( OCC ) IdentityTheft.gov, due to compromised data and fraudulent reporting This letter serves as your legal notice. Any failure to comply, any further reporting, or failure to provide sufficient evidence will result in legal escalation and formal complaint filings. You are further instructed to send all correspondence in writing. I do not authorize telephone communication.
Frequently Asked Questions
What is Complaint #14007801 about?
Complaint #14007801 was filed against Hw Holding, INC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-06-10T12:00:00-05:00.
How did Hw Holding, INC respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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 Hw Holding, INC?
Yes, visit the Hw Holding, INC company profile at readthecomplaint.com/company/hw-holding-inc 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.