Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Date XX/XX/year> Consumer Financial Protection Bureau ( CFPB XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : Complaint Regarding Collection Activity by WAKEFIELD & ASSOCIATES Dear CFPB, I am writing to file a complaint against WAKEFIELD & ASSOCIATES for violating the Fair Debt Collection Practices Act ( FDCPA ) and my rights as a consumer.

1. Failure to Provide Validation Information I received a communication from WAKEFIELD & ASSOCIATES stating that I owe a debt of XXXX to XXXXXXXX XXXX XXXX XXXX. 

However, the collection agency failed to provide me with the required validation information as outlined in 12 CFR 1006.34 ( b ) ( 5 ), which includes the amount of the debt, the name of the creditor, and a statement of my rights to dispute the debt. This omission violates my right to ensure the accuracy of the debt before it is reported to credit reporting agencies.

2. Lack of Opportunity to Dispute the Debt Furthermore, the collection agency has not provided me with a clear and straightforward method to dispute the debt, in violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of access to the dispute process hinders my ability to challenge the validity of the debt.

3. False, Misleading, and Deceptive Practices The collection agency 's actions constitute a violation of 15 U.S.C. 1681-s-2 ( 7 ) ( A ) by using false, misleading, and deceptive means to collect the debt. Their failure to provide validation information and opportunity to dispute creates an environment of pressure and confusion, which is unfair and unlawful.

4. Furnishing Information to Credit Reporting Agencies Without Proper Disclosure Additionally, the collection agency 's attempt to report the debt to credit reporting agencies without providing the necessary disclosures outlined in 12 CFR 1006.34 ( d ) is a violation of my rights. This action could negatively impact my credit score without ensuring the legitimacy of the debt.

5. Request for Resolution Therefore, I am requesting the CFPB to investigate these violations and take appropriate action against WAKEFIELD & ASSOCIATES This includes : Instructing the collection agency to cease all collection activities until they comply with the FDCPA.

Requiring the collection agency to provide me with the missing validation information and a clear process to dispute the debt.

Preventing the collection agency from reporting the debt to credit bureaus until its accuracy is verified.

Furthermore, I request the following documentation from the collection agency : Debt validation document as outlined in 12 CFR 1006.34 ( b ) ( 5 ).

Proof of their agreement to purchase the debt from the original creditor.

Verification of their license and bond status.

I have attached copies of all relevant documents, including the communication from the collection agency.

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation