Consumer complaint received 2021-11-24
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I, XXXX XXXX, a natural person, and a consumer, receive my consumer report on XX/XX/2021, and noticed and have proof that I am a victim of identity theft as defined under 15 USC 1681a ( q ) ( 3 ). 15 USC 1681a ( q ) ( 3 ) -The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.

Wakefield and Associates has stated that I, a consumer, owes an alleged debt. This alleged debt has been furnished to my consumer
report and is a violation of 1692b ( 2 ). See attached I, the consumer, have not given any prior consent or received any court documentation before communication of this alleged debt. This is a violation of 15 USC 1692c ( a ) Wakefield and Associates engaged in conduct that has harassed, oppressed and abused me in connection with the collection of this alleged debt. Oppressing a right would be conduct not allowed under the FDCPA and is a violation of 15 USC 1692d. Credit is my right granted and protected by federal law. Wakefield and Associates has caused damages to my financial reputation by furnishing this alleged debt to my consumer report in order to coerce payment. This is a violation of 15 USC 1692d ( 4 ) and is known as debt parking described by the FTC.

Wakefield and Associates has communicated a false representation of the character and amount of this alleged debt. This alleged debt is furnished on my consumer report in a positive amount. It is impossible to pay on a positive balance. This is false and misleading and a violation of 15 USC 1692e ( 2 ) ( A ). Wakefield and Associates has knowingly furnished the credit reporting agencies with false credit information which is a violation under 15 USC 1692e ( 8 ) All of these actions were false and deceptive and a violation under 15 USC 1692e ( 10 ) Wakefield and Associates has not provided me with any validation of this alleged debt under 15 USC 1692g which should include : 1 ). amount of debt.

2 ). the name of the creditor to whom the debt is owed.

3 ). A miranda which states unless the debt within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector 4 ). Another miranda which states if you notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector.

5 ). And a final miranda which states upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

These abusive and deceptive actions have caused a denial of credit and Wakefield and Associates is liable to me for actual damages sustained due to violations commited under the FDCPA. I have proof that Wakefield and Associates has a history of committing identity theft against consumers by furnishing inaccurate items on consumer reports without conducting a reasonable investigation beforehand. See attached consumer complaints pulled from the XXXX XXXX XXXX 

I do not consent to any telephone communication.

Company response to consumer: Closed with explanation