Consumer complaint received 2023-05-19
Company: W&A Intermediate Co., LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to you in regards to the collection account : WAKEFIELD AND ASSOCIATES, INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX currently being reported by your agency on my credit report. It has come to my attention that this collection entry is inaccurate and is in violation of the Fair Credit Reporting Act ( FCRA ). This letter serves as a formal request to cease and desist all collection activities related to the alleged debt and to remove the collection account from all three major credit reporting agencies. 

I dispute the validity of the alleged debt and deny any liability associated with it. It is my belief that this debt is incorrect or has been misrepresented. I have never received any communication or notice regarding this alleged debt, nor have I been provided with an opportunity to address or dispute it. 

In accordance with the FCRA, I am exercising my rights to request proper verification and validation of the debt in question. I hereby request that you provide the following documentation within 30 calendar days of receipt of this letter : A complete and itemized account statement, including all charges, fees, and any applicable interest. 
Proof of a valid and enforceable agreement, such as a signed contract or agreement, demonstrating that I am legally responsible for the alleged debt. 
Verification that your agency is duly licensed to collect debts in my jurisdiction. 
Until such time as the requested documentation is provided and the alleged debt is properly verified, I demand that you : Cease and desist all collection activities immediately, including reporting the alleged debt to any credit reporting agencies. 
Refrain from any further communication with me or any third parties regarding this alleged debt, except for providing the requested documentation as outlined above. 
Failure to comply with this request within the specified timeframe will leave me with no choice but to take further legal action to protect my rights under the FCRA. This may include filing complaints with relevant regulatory bodies and pursuing a civil lawsuit to seek damages for violations of the FCRA. 

I hereby request written confirmation, within 15 calendar days of receipt of this letter, that you have taken the necessary actions to address this matter. This confirmation should include : Acknowledgment of receipt of this letter. 
Assurance that all collection activities related to the alleged debt have ceased. 
Confirmation that the collection account will be removed from all three major credit reporting agencies. 
Verification that no further attempts to collect on this alleged debt will be made. 
Please be advised that any failure to comply with this request may result in legal consequences, including but not limited to actual damages, statutory damages, attorneys ' fees, and court costs. 

Thank you for your immediate attention to this matter. I expect a prompt resolution and the restoration of accurate credit reporting.

Company response to consumer: Closed with explanation