Consumer complaint received 2022-06-10
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On several occasions I requested that WAKEFIELD AND ASSOCIATES XXXXXXXX XXXX XXXX XXXX XXXX XXXX  be removed from my credit report. By unlawfully applying interest charges that were not authorized, Wakefield and Associates , IncXXXX, a debt collection agency, used ambiguous, misleading and abusive means to collect a debt. Wakefield and Associates XXXX Inc., a debt collection agency Failed to name the original creditor as requested, Failure to provide date of original debt, first missed payment that led to the charge-off. When I contacted Wakefield and Associates , Inc., I was informed that the changes in debt amount was due to interest and fees. When I requested information on the original creditor from Wakefield and Associates , Inc., the only referred to the company as " client, never releasing specific information so I could validate and research the account. I made the credit reporting agencies aware of these unlawful reporting instead of removing Wakefield and Associates , Inc., from my credit report the agencies allowed to continuously harm me for years by updating the following information. After I pointed out lawsuit that Wakefield and Associates XXXX Inc., loss due to these unlawful practices the XXXX XXXX XXXX allowed Wakefield and Associates , Inc., to update the information and stated that the " account information disputed by consumer, meets FCRA requirements. '' I feel that no real independent investigation was performed by any of the credit reporting agencies. FCRA requires that all information reported be true and up to date. Below is just some of the information that causes me further harm. 

WAKEFIELD AND ASSOCIATES Reported : XX/XX/XXXX {$1200.00} WAKEFIELD AND ASSOCIATES Reported : XXXX XXXX, XXXX {$1400.00} WAKEFIELD AND ASSOCIATES Reported : XXXX XXXX, XXXX {$1400.00} WAKEFIELD AND ASSOCIATES Reported : XXXX. XXXX, XXXX {$1300.00} WAKEFIELD AND ASSOCIATES Reported : XXXX. XXXX, XXXX {$1300.00} WAKEFIELD AND ASSOCIATES Reported : XXXX XXXX, XXXX {$1200.00} WAKEFIELD AND ASSOCIATES is in violation of the following VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT 15 U.S.C. 1692e Falsely representing that they were entitled to charge an amount they were not entitled to in violation of 1692e ( 2 ) ; Threatening to charge a fee in which they were not legally entitled to charge in violation of 1692e ( 5 ) ; Making a false and misleading representation in violation of 1692e ( 10 ).

Pursuant to 15 U.S.C. 1692f, a debt collector may not use any unfair or unconscionable means to collect or attempt to collect any debt. 

Defendant 's debt collection efforts attempted and/or directed towards the Plaintiff violated various provisions of the FDCPA, including but not limited to 15 U.S.C. 1692e I pray that the Consumer Financial Protection Bureau will assist me in obtaining relief and also that WAKEFIELD AND ASSOCIATES is removed from all XXXX XXXX XXXX immediately

Company response to consumer: Closed with explanation