Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX From XXXX XXXX XXXX XXXX XXXX XXXX TN this is a dispute through the CFPB you have been put on notice TO XXXX XXXX XXXX XXXX, TN XXXX XXXX To Whom It May Concern : This letter is being sent in response to your recent letter.This is not a refusal to pay, but a notice that your claim is disputed.

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am, undeniably, the party you are requesting to pay this debt. I am requesting validation of the date of alleged medical service, the name of the patient, and proof that there is some contractual obligation that is binding on me to pay this debt. 
Please attach copies of : Any agreement with your client that awards you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term breach of security means, concerning unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 


Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account, a copy of any HIPAA authorization. 
Please also be advised that this letter is not only a formal dispute but a request to cease and desist all collection activities, including reporting of ; or verifying this account on my credit reports.

I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim.

In the event of noncompliance, I reserved the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX, and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of Tennessee ] medical privacy rules. 
I also, hereby, reserve my right to take private civil action against you to recover damages. 
Sincerely, ( XXXX XXXX XXXX XXXX ) Also cease and desist your rights do not contact me by phone/email/or mail also by law you have to stop reporting this account if this account is not verified correctly. Please understand thats it up to A XXXX Dollars per violation. This company reported this account with out contacting me thats one violation.I will be seeking remed for the damages you have cause me and my family because me now we are kicked out on the street because of this damages Im ready to see you in small clams court thank you so again cease and desist do not contact me through phone/email/or mail/ only through the cfpb delete these account listed below reporting on XXXX these account must also be removed while in dispute to also so or it another violation acc XXXX delete XXXX XXXX delete

Company response to consumer: Closed with explanation