Product: Credit reporting or other personal consumer reports

CFPB Complaint Subject : Complaint Regarding Inaccurate Credit Reporting, Violations of the FCRA, FDCPA, and Medical Debt Reporting Protections Complainant Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX MI Email Address : XXXX Date of Complaint : XX/XX/XXXXXXXX  Against : Company Name : Wakefield & Associates , Inc . 


Summary of Complaint This is a formal complaint against Wakefield & Associates , Inc. for their reckless, knowing, and willful violations of federal laws and regulations, including : Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) Medical debt reporting rules under the No Surprises Act and CFPB guidelines. 

Wakefield & Associates has engaged in a consistent pattern of behavior that includes furnishing inaccurate and unverifiable information to credit reporting agencies, failing to validate debts. This misconduct has caused significant harm to my creditworthiness, finances, and emotional well-being. 

Details of Violations and Pattern of Behavior 1. Violations of the Fair Credit Reporting Act ( FCRA ) : Wakefield & Associates has violated the following provisions of the FCRA : 15 U.S.C. 1681s-2 ( a ) : Reporting inaccurate, incomplete, and unverifiable information.

15 U.S.C. 1681b : Reporting without a permissible purpose or proper authorization. 

These actions stem from Wakefields inaccurate reporting of a medical debt ( Account # XXXX ) tied to the original creditor, XXXX XXXX, on my credit reports with XXXX, XXXX, and XXXX since XX/XX/XXXX. 

2. Violations of Medical Debt Reporting Protections : Wakefields reporting of this medical debt violates : No Surprises Act ( 2021 ) : Medical debts can not be reported unless verified and delinquent for at least 12 months. 

Despite these protections, Wakefield & Associates has knowingly and prematurely reported this debt without proper validation. 

3. Violations of the Fair Debt Collection Practices Act ( FDCPA ) : Under the FDCPA : 15 U.S.C. 1692e : Prohibits false or misleading representations in debt collection.

15 U.S.C. 1692f : Prohibits unfair and abusive practices, including reporting unverified debts. 
15 U.S.C. 1692g : Requires debt collectors to validate debts upon request, which Wakefield failed to do. 

Pattern of Misconduct Wakefield & Associates has a documented history of grievances and misconduct, including the following : 1. Consumer Complaints Filed with the CFPB : Wakefield & Associates has been repeatedly reported for inaccurate credit reporting, harassment, failure to validate debts, and unfair collection practices. 
2. XXXX XXXX XXXX ( XXXX ) Ratings : The company holds a low rating on the XXXX XXXX XXXX  ( XXXX  ) due to a significant volume of unresolved complaints. 
These complaints detail repeated instances of inaccurate reporting, lack of communication, and failure to address disputes. 
3. Grievances Reflecting Systemic Non-Compliance : Wakefield & Associates has established a pattern of ignoring federal debt collection and credit reporting laws, particularly concerning medical debt. 
My experience is consistent with these widespread grievances, indicating a lack of corrective measures or internal accountability within the company. 

This pattern of behavior demonstrates that Wakefields actions are not isolated incidents but part of a broader systemic issue. 

Impact on My Credit and Well-Being The companys misconduct has caused the following : 1. Credit Denials : Inaccurate reporting has resulted in my inability to obtain loans or credit.

2. Higher Interest Rates : My damaged credit score has led to unfavorable financial terms.

3. Emotional and Financial Distress : The repeated and reckless reporting of false information has caused significant stress and harm. 

Notice of Legal Action If Wakefield & Associates , Inc. fails to resolve this complaint within 30 days, I am prepared to escalate through : 1. Litigation : Filing a lawsuit for statutory, punitive, and compensatory damages under the FCRA, FDCPA, and other applicable laws.

2. Regulatory Complaints : Reporting these violations to additional regulatory bodies, including the Federal Trade Commission ( FTC ) and state consumer protection agencies.

3. Public Accountability : Sharing my experience with consumer advocacy groups and public forums to expose this pattern of non-compliance. 

Contact Information All correspondence regarding this complaint should be directed to my email address at XXXX. I do not consent to phone communication. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX