Consumer complaint received 2025-11-28 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 opening a new CFPB case because my previous complaint, XXXX, was closed without resolving the central issue : I do not own the XXXX XXXX XXXX  account , I did not authorize or receive the XXXX XXXX they are claiming, and I have filed an FTC Identity Theft Report documenting that this account is the result of identity theft. 

XXXX  response, including their letter found in XXXX XXXX XXXX XXXX XXXX, did not provide any legally acceptable documentation proving that I personally received treatment, signed any documents, or assumed financial responsibility for the alleged debt. Their response ignored critical federal protections regarding identity theft and instead relied on generalized statements that do not establish consumer liability. 

1. I Do NOT Own This Account This Is Identity Theft I want to restate clearly : I did NOT authorize any services with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I did NOT sign any consent forms. 
I did NOT receive emergency treatment on the dates claimed. 
I did NOT give XXXX or XXXX permission to use my personal information. 
This is identity theft, and I have filed an FTC report to document it. 

XXXX letter claims : You were admitted through XXXX XXXX and the consent to treat bearing your signature is on file. 
( From PDF : ) However : They did not provide that consent form They did not provide any identity verification used at admission They did not provide the signature they are referring to They did not authenticate the signature They did not prove that it was me physically present Without identity verification documents, a facility admission record is not proof that I was the patient. 

Identity thieves frequently use another persons name, date of birth, or insurance information. 

XXXX. XXXX Provided No Proof Linking Me to This Debt XXXX states in the PDF response that : XXXX has substantiated the debt XXXX will send verification directly to you. 
( From PDF : ) However, they still failed to provide : Any signed documents Any ID copy used at intake Any signature verification Any admission photo, video, or biometrics Any insurance claim showing that I provided my information Any proof of treatment matching my medical history The FCRA requires furnishers and collectors to provide verifiable documentation proving the consumer owes the debt. 

They gave none. 

3. Their Verification is Not Legal Validation XXXX relies heavily on this statement : XXXX investigation uncovered no evidence that it furnished inaccurate information. 
( From PDF : ) This is not verification. 

This is simply a statement that the debt exists not that I owe it. 

Legal validation requires : The original contract or signed consent Identity documentation Authentication that the signatures are mine Proof the services were received by me Evidence the provider verified identity XXXX provided none of these. 

XXXX. XXXX Relied on Automated e-OSCAR Verification Instead of a Real Investigation XXXX admits : XXXX received multiple indirect disputes through e-OSCAR the account was dispositioned as disputed. 
( From PDF : ) This means : They relied only on automated code responses They did NOT review identity documents They did NOT obtain proof of ownership They did NOT review signatures They did NOT conduct a manual investigation Under FCRA 623, furnishers must perform a reasonable and thorough reinvestigation, not simply rely on automated e-OSCAR codes. 

XXXX own letter proves they did not. 

XXXX. XXXX Ignored FCRA Identity Theft Requirements Under FCRA 605B, once notified of identity theft, a furnisher must : Block the fraudulent account Stop reporting it Review identity theft documentation Provide proof of accuracy before reinserting Conduct an identity-theft-specific investigation XXXX ignored these requirements , despite being notified. 

They simply said XXXX substantiated the debt without providing a shred of evidence tying it to me. 

6. Initial Notice Does NOT Prove Ownership XXXX says : An initial notice was sent to you on XX/XX/year>. 
( From PDF : ) Receiving or not receiving a notice is irrelevant. 

Identity thieves often use the victims address or an outdated address. 
Mailing a letter does not legally prove : I authorized treatment I received treatment I owe a debt I signed the documents My identity was verified A letter with my name on it does not establish ownership. 

XXXX. XXXX Must Provide Verified Proof, Not Assumptions XXXX claims XXXX substantiated the debt. 

But substantiation must include : Full medical admission records Copy of ID used at intake Signature authentication Provider notes confirming identity Legal chain of assignment Itemized billing with verified patient identity HIPAA-compliant identification documentation None were provided. 

Their substantiation is incomplete, unverified, and non-compliant. 

8. Fair Resolution Requirement : The Account Must Be Fully Deleted Since the provider and XXXX can not legally verify : Identity Signature Authorization Treatment Responsibility Beneficial use of services the account must be deleted in full. 

This also aligns with : FCRA 605B ( Identity Theft Block ) FCRA 611 ( Unverifiable Information Must Be Removed ) FCRA 623 ( Furnisher Duties of Accuracy ) FDCPA ( Validation Requirements ) Medical billing compliance and XXXX identity verification rules Because identity theft occurred, deletion is the ONLY lawful resolution.

9. I Am Opening a New Case Because the Last One Was Not Resolved The previous case resulted in the company : Not providing verification Not proving identity Not following identity theft laws Not following reinvestigation laws Not deleting the fraudulent tradeline Not recognizing the FTC Identity Theft Report For these reasons, I must open a new case to request CFPB intervention. 

10. What a Fair Resolution Looks Like I respectfully request the following : 1. Full deletion of the XXXX / XXXX account No disputes, no updates full removal. 

2. Full identity theft block under FCRA 605B XXXX must cease reporting permanently. 

3. Written confirmation of deletion To ensure the account is not reinserted.

4. No reinsertion without certification and documentation Reinsertion must comply fully with FCRA 611 ( a ) ( 5 ) ( B ).

5. Cease all collection activity Phone calls, billing, mail, and reporting must stop.

6. Provide real validation, if they claim it is mine Including : Signed forms Verified ID Admission documentation Signature authentication Provider identity logs 7. CFPB oversight to ensure compliance The company ignored essential legal requirements previously. 

Conclusion I do not own this account. 
I did not authorize any XXXX XXXX. 
I did not sign any documents. 
I have filed an FTC Identity Theft Report. 

XXXX response did not prove this debt belongs to me and did not satisfy the legal requirements for verification. 

I request full deletion of the account and a complete identity theft block. 

Thank you for reviewing this new case.

Company response to consumer: Closed with non-monetary relief