Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
I am submitting this new complaint because the previous case involving this same account was closed without a proper resolution, despite the fact that I provided clear evidence that I do not own this account and have filed an official FTC Identity Theft Report confirming that this debt is fraudulent. Since the previous case was improperly closed without addressing the core identity theft issues, I am opening a new case so the Consumer Financial Protection Bureau can review the situation thoroughly and require the company to comply with federal law. 

This account does not belong to me. I do not recognize it, I did not authorize it, I did not sign any agreement connected to it, and I did not receive any benefit or services associated with it. The companys response in the previous case was incomplete, misleading, and lacked legally required documentation to establish that I am responsible for this debt. Their response did not address the identity theft component, did not provide proper validation, and did not comply with the Fair Credit Reporting Act ( FCRA ) or the Fair Debt Collection Practices Act ( FDCPA ). 

For those reasons, I am reopening this matter with a new complaint, as the company has continued to furnish, verify, and report information that is fraudulent and not tied to me by any legitimate documentation. 

XXXX. The Previous Case Was Closed Without Addressing Identity Theft My previous CFPB case was closed before the identity theft portion of the complaint was properly reviewed. The company did not provide : Proof of my authorization A signed contract Any genuine validation Any method of verification that links the account to me A chain of custody proving debt ownership A response to my FTC identity theft report Instead, they issued a generic response claiming the debt was validated through e-Oscar, which is not actual validation under federal law. XXXX XXXX disputes only verify that the furnisher repeats the same information ; they do not verify identity, ownership, or authenticity. 

Because the previous case was closed prematurely, without an investigation into the identity theft report, I must submit this new, separate complaint so the CFPB can require the company to follow FCRA identity theft procedures. 

XXXX. I Filed an FTC Identity Theft Report The Company Ignored It I have filed an official FTC Identity Theft Report, which under FCRA XXXX requires the furnisher and credit reporting agencies to : Block the fraudulent account Stop reporting it Stop verifying it Stop collection activity Provide evidence if they choose to continue reporting The company did NOT follow these legally mandated steps. 

Federal law requires the furnisher to produce clear, verified, authenticated proof that I opened or authorized the account before they can continue reporting it. They have failed to do this. Nothing they provided meets the standard required under identity theft blocking regulations. 

XXXX. I Do Not Own This Account No Contract, No Signature, No Proof The company claimed that I owe this debt, but they have not produced : A signed application A signed contract A signed treatment agreement A signed financial responsibility form A XXXX release Any acknowledgment from me Any signature that can be verified as mine If a company can not provide a signed contract or signature tying me to the alleged account, they can not legally claim I owe it. 

Because this account was created or used without my authorization, and because I filed an FTC identity theft report, the company is not permitted to continue reporting the account unless they provide indisputable proof that I am the debtor. 

XXXX. The Documents They Attached Do Not Prove Ownership or Liability In the previous case, the company uploaded documents that they claimed served as proof. However, upon review, these documents do not establish that I am responsible for the alleged account. 

The attached documents do NOT contain : My verified signature Any matching handwriting Any legally binding agreement Any valid identity authentication Any electronically verified identification Any signature acknowledging financial responsibility Any disclosure permitting them to furnish my information to a credit bureau The packet included internal billing records, intake forms, and handwritten notes that could have been written by anyone. Billing statements and internal notes do not meet the federal requirement for debt validation. 

The companys documents fail to demonstrate : That I visited any facility That I agreed to pay That I authorized services That I confirmed my identity in person That my ID was verified at the time of service That I signed for any charges That I approved my data being shared with third parties Without these elements, the account can not legally be linked to me. 

XXXX. Their Claim That I Went Twice and Didnt Pay Is Unsupported The company stated : He went to Total Access Urgent Care twice and didnt pay. 

This claim is completely false, unverified, and unsupported by any documentation. 

If this were true, the company should possess : Signature logs Treatment signatures XXXX acknowledgment forms Intake signatures Insurance processing records Payment authorization records None of these were provided. 

Their statement is based entirely on internal notes, not legally verifiable documentation. Without signed proof, they can not legally assign me responsibility for any charges. 

XXXX XXXX XXXX Is Not Legal Validation The company repeatedly stated that they validated the debt through the e-Oscar system. This is not legal validation. 

The CFPB has already stated : e-Oscar does NOT count as debt validation e-Oscar does NOT satisfy FCRA XXXX reinvestigation e-Oscar does NOT verify consumer identity e-Oscar does NOT replace documentation Furnishers XXXX NOT rely solely on electronic codes to validate disputed accounts. 

A real validation under FDCPA XXXX ( b ) includes : Original contract Signature Full accounting Proof of ownership Proof of consumer authorization None of this was provided. 

XXXX. The Company Failed to Provide a Method of Verification Under FCRA XXXX ( a ) ( XXXX ), I requested the method of verification, and the company must disclose : The name of the person who verified the information The method used The documents used to verify it The date of verification The system used Whether documents were reviewed or not The company did not provide ANY of this. 

Instead, they repeated the same claim that the debt was valid, without explaining how they verified anything. 

Without a legally sufficient method of verification, the account must be removed. 

XXXX. Medical Debt Has Stricter Regulations They Did Not Follow Them Medical debt can not be reported unless the furnisher : Verified identity Confirmed consumer authorization Confirmed insurance processing Sent a bill Sent pre-collection notices Sent a final billing Offered dispute options Provided itemized statements Verified provider-to-collector authorization Provided XXXX disclosure permission NONE XXXX these requirements were met. 

Medical debt is heavily regulated, and the company has not demonstrated compliance. 

XXXX. They Failed to Mark the Account as Disputed Under FCRA XXXX ( a ) ( XXXX ), when a consumer disputes an account, the furnisher MUST mark the account as : Disputed by consumer However, the account continues to appear WITHOUT the required dispute notation. This is a clear violation of federal law. 

XXXX. Continued Reporting After FTC Report Is Illegal Once I filed an FTC identity theft report, federal law required the company to : Stop reporting Stop verifying Stop collection activity Block the account They did not do any of this. 

Instead, they continued reporting, continued verifying through e-Oscar, and ignored the identity theft claim entirely. 

This is a direct violation of FCRA XXXX, which governs identity theft blocking. 

XXXX. A Fair Resolution Requires Immediate and Permanent Deletion To resolve this matter fairly and lawfully, I request : A. Permanent deletion from all credit reports Because the account is fraudulent and can not be validated. 

B. Full compliance with FCRA XXXX ( Identity Theft Blocking ) They must block the account immediately. 

XXXX Full documentation if they intend to continue reporting They must provide : Signed contract Signature acknowledgment Identity verification Authorization disclosures Proof of ownership Full accounting They have not provided any of this. 

XXXX XXXX all reporting and verification activity XXXX XXXX verifications or data furnisher updates until validation is complete. 

E. Provide written certification of compliance Both the company and the credit bureaus must certify compliance. 

XXXX. Why I Must Open a New Case The previous case was closed prematurely and without addressing : Identity theft FTC report Lack of documentation Wrongful reporting Medical debt regulations Verification requirements Because the core issue was NOT reviewed, I must submit a new case so that this fraudulent account can be properly investigated and removed. 

CONCLUSION I am opening this new CFPB case because the previous one was closed without resolving the identity theft issue, without validating the debt, and without complying with federal laws. 

I do not own this account, I did not authorize this account, and I have filed an FTC Identity Theft Report confirming that this debt is fraudulent. The companys response and attached documents do not prove ownership, authorization, or liability. 

A fair resolution requires full deletion, full compliance with identity theft protections, and cessation of all reporting until the company can produce real, authenticated, legally valid documentation. 

Until such documentation exists, this account can not legally remain on my credit report.

Company response to consumer: Closed with non-monetary relief