Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16585119
Complaint Overview
Complaint ID: 16585119
Company: Hw Holding, INC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Georgia
ZIP Code: 303XX
Date Received: 2025-10-14T12:00:00-05:00
Date Sent to Company: 2025-10-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This {$10000.00} account from Hunter Warfield, on behalf of XXXX XXXX XXXX XXXX XXXX, is being reported inaccurately on my credit report. The balance is connected to a burst pipe that occurred while I was a tenant, which was a property maintenance failure and not caused by me. When maintenance first responded to the flooding, they failed to properly shut off the water and had to return hours later to correct the issue. The unit also had pre-existing holes and damage that contributed to the water problem. The thermostat was consistently maintained at or above XXXX, in full compliance with lease requirements. The damage was caused by plumbing and maintenance failures that were the landlords responsibility. Despite this, XXXX XXXX XXXX issued a XXXX Notice to Quit, which only lists unverified allegations and was never followed by a court judgment or legal determination of fault. This notice does not prove tenant negligence or legal liability. I have attached supporting documentation, including email correspondence with XXXX XXXX XXXX confirming their awareness of the maintenance issues and their approval for us to remain in the unit through XX/XX/year>. These records show we were cooperative and followed all procedures. This debt was later sent to collections and reported as valid, without verification or due process. This inaccurate account has severely harmed our ability to obtain housing. I am requesting a full investigation and removal of this tradeline from my credit report if the furnisher can not provide verified proof of legal responsibility or a court judgment establishing this debt.
Frequently Asked Questions
What is Complaint #16585119 about?
Complaint #16585119 was filed against Hw Holding, INC regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-10-14T12:00:00-05:00.
How did Hw Holding, INC 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 (Credit reporting or other personal consumer reports) 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.