Debt collection -- Attempts to collect debt not owed -- Complaint #18029909
Complaint Overview
Complaint ID: 18029909
Company: Hw Holding, INC
Product: Debt collection
Sub-Product: Rental debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Alabama
ZIP Code: 366XX
Date Received: 2025-12-14T12:00:00-05:00
Date Sent to Company: 2025-12-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaint against Hunter Warfield , Inc. for attempting to collect and/or report a debt that is legally unenforceable and inaccurate due to state and federal XXXX XXXXXXXX protections. The alleged debt arises from a housing tenancy impacted by documented XXXX XXXX. Under Alabama XXXX XXXX, victims of XXXX XXXXXXXX are legally protected from continued lease liability when the tenancy is affected by abuse. Any attempt to collect, assign, or report a debt under these circumstances violates Alabama law. Despite these protections, Hunter Warfield has continued collection efforts and/or credit reporting, causing financial harm and distress. Federal Law Violations Hunter Warfields actions violate multiple federal consumer protection statutes, including : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 1692e Misrepresentation of the legal status of a debt 1692f Unfair and unconscionable collection practices 1692g Failure to cease collection activity after dispute Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 1681s-2 ( a ) Furnishing inaccurate or misleading information 1681s-2 ( b ) Failure to conduct a reasonable investigation after dispute Reporting a debt that is legally unenforceable constitutes inaccurate reporting Violence Against Women Act ( VAWA ), 34 U.S.C. 12491 Federal law recognizes economic and housing-related abuse as forms of domestic violence and seeks to protect survivors from further financial harm. Harm Caused Unlawful collection attempts Potential or actual credit reporting of inaccurate information Financial and emotional distress caused by pursuing a debt barred by law
Frequently Asked Questions
What is Complaint #18029909 about?
Complaint #18029909 was filed against Hw Holding, INC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-12-14T12:00:00-05:00.
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 (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.