Consumer complaint received 2022-03-12
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In response to CFPB complaint # : XXXX, My name is XXXX XXXX XXXX XXXX protected consumer, and I am making this complaint against Wakefield & Associates for XXXX a cease and desist notice they received on XX/XX/XXXX and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have never given Wakefield & Associates any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt they claim I owe. I have attached a debt validation letter, a Cease-and-Desist notice, Exhibits A, B, C, D which is a copy of the accounts reporting on my consumer report, and a FTC report labeled Exhibit E that will be used when filing for litigation in Federal Court to this XXXX XXXX 
I am aware that the that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have not validated any alleged debt with Wakefield & Associates and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/XXXX, I have not received any documentary evidence, such as a trilateral contract, giving Wakefield & Associates any right to collect on this alleged debt. It is my belief that Wakefield & Associates are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. 
I have never received any documentation requesting validation from Wakefield & Associates before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Wakefield & Associates can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 
I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Wakefield & Associates can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Wakefield & Associates continues its collection efforts, I will file for litigation for actual damages caused and Wakefield & Associates will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation