Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: NC

Complaint narrative:
I am writing to you regarding an alleged debt that has been reported by your company to credit reporting agencies. I have written you in previously with no response and once again I am seeking clarification of this debt, as well as several other important documents and information related to it. 

First and foremost, I never received the opportunity to dispute the vadility or any portion of this alleged debt according to 15 United State Code 1692g ( 3 ). 

As a consumer you are supposed to communicate with me within 5 days in the connection of any and all collection of a debt before parking a debt on a consumer report, I have the right to request proof of the validity of any debt claimed against me. Therefore, I kindly ask you to provide documentation that verifies the existence and accuracy of the debt in question. 



I am requesting that you provide me a copy forward full agreement in relation to a debt that has reportedly been purchased by your debt collection agency. 

The forward full agreement : Please provide a copy of the forward full agreement related to the purchase of the debt in question. This document should outline the terms and conditions governing the transfer of the debt from the original creditor to your agency. 



Any accompanying disclosures : Along with the forward full agreement, I also request copies of any disclosures or supplementary documents that were provided in conjunction with the debt purchase Let be abundantly clear as a consumer, I am entitled to receive documentation that verifies the legitimacy of any debt claimed against me. 

Furthermore, I request the following documents and information : Your license and bond number : As a debt collection agency, I expect you to operate within the legal framework, and providing your license and bond number is essential for verification purposes. 

The full agreement, including any and all disclosures : I require a copy of the agreement that I supposedly entered into with your company, along with all disclosures pertaining to the alleged debt. 

The agreement bearing my written signature : Please provide a copy of the agreement that I purportedly signed, indicating my consent to the terms therein. 

All correspondence with tracking numbers : I request copies of all correspondence related to this alleged debt, along with tracking numbers, to verify that proper notice was provided, allowing me to exercise my right to dispute the accuracy of the debt. 

Full account ledger and payment history : I require a detailed account ledger and payment history that clearly shows any payments made to WAKEFIELD & ASSOCIATES, as well as a comprehensive audit trail leading to the amount claimed to be owed.

It is important to note that if you are unable to provide the requested information, all collection attempts must cease, and any reporting of this debt to credit bureaus must be promptly removed from my credit report. Failure to comply with these demands will be considered as agreement to delete the account from all consumer reporting agencies. 

Please ensure that all communication regarding this matter is conducted via email at XXXX and no other method. 

If I do not receive a response from you with all the requested information within 30 days, I will assume that the alleged debt is not valid, and you agree to delete this account from all consumer reporting agencies promptly. 

Additionally, I wish to remind you of the doctrine of estoppel by silence, which may apply if you fail to respond to this notice within the specified timeframe. 

I anticipate your prompt response if no response is provided with the contents requested I will have no other choice but to pursue with legal action against your company.

Company response to consumer: Closed with explanation