Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
I am opening a new Consumer Financial Protection Bureau case because my previous complaint, case number XXXX, was closed without resolving the underlying issue. I am disputing the accounts that XXXX XXXX XXXX continues to report because I do not own these accounts, I have never received proper validation, and I have never been provided any original documentation proving that these debts are mine. In addition, I have now filed an identity theft report with the Federal Trade Commission due to increasing concerns that these accounts may be the result of identity misuse, billing errors, or misattribution of medical services that were not connected to me. 

What happened is a long sequence of failures by XXXX to meet its legal obligations under federal law, including the failure to validate the accounts, failure to provide requested documentation, failure to conduct a reasonable investigation, and failure to stop reporting unverified information. Despite my repeated disputes and requests, XXXX continues to furnish derogatory information that I strongly believe is inaccurate, unverified, and not connected to me. I do not own these alleged accounts, I did not authorize them, and I have never received any supporting records that would demonstrate that the accounts were legitimately mine. 

In the prior CFPB case, XXXX submitted a response stating that the accounts were placed with them by a medical provider, that notices were allegedly mailed, and that a consent to treat form bearing my signature was supposedly on file. However, none of this has ever been proven. They did not provide any documentation with their response. They did not provide a copy of the alleged consent. They did not provide itemized billing. They did not provide medical service records. They did not provide authorization for assignment. They did not provide explanation of benefits. They did not provide any documentation linking me to the alleged services. They made statements but produced no evidence. 

I have repeatedly stated and continue to assert here that I do not own these accounts. I have never received medical services corresponding to these debts. I have never signed any agreement for the alleged charges. I have never received billing from the original provider. I have never been notified that a balance existed. The first time I became aware of any of this was when XXXX began reporting these accounts as derogatory on my credit reports. Because I do not own these accounts, and because XXXX has not proven ownership, their continued reporting is causing severe harm. 

XXXX also claimed in their prior response that initial notices were mailed on a specific date and that they have no record of return. However, merely claiming that a notice was mailed does not prove that I received it. I never received anything from themnot before the reporting, not after the reporting, not during the disputes. The fact that they can not produce a copy of the alleged notice or any proof of delivery further demonstrates the lack of proper documentation. A debt collector must be able to show that the mandatory notice was mailed and must provide a copy upon request. XXXX has not done this. 

Next, XXXX claims that a consent to treat exists with my signature. Again, I have never seen this document, and they have never produced it. Without providing a copy of the alleged signature or records showing identification used at the time of service, they can not establish that the account belongs to me. If such a document did exist and XXXX was confident in its authenticity, they would have provided it. The fact that they have not indicates either that the document does not exist or that it does not support their claims. 

In addition, XXXX claims that they substantiated the debt through the original provider. However, substantiation requires actual evidencenot statements. They must produce itemized billing, service codes, provider signatures, financial responsibility forms, insurance processes, and any communication records from the original provider. They have produced none of these. Therefore, their assertion of substantiation is unsupported. 

XXXX also confirmed that they responded to multiple disputes through the e-OSCAR system. But e-OSCAR responses do not constitute a reasonable investigation. They involve selecting response codes rather than reviewing original documents. A proper investigation requires obtaining and reviewing documentation. XXXX response shows that they merely confirmed data internally instead of validating it with evidence. Since they did not produce any validation, they have not fulfilled the standard for a reasonable investigation. 

Because of these ongoing failures, I filed an FTC identity theft report. I am including that information in this new CFPB case because I believe the accounts XXXX is reporting may be connected to identity theft or misidentification. Under identity theft protections, once a consumer files an FTC report, the furnisher must block and stop reporting disputed accounts unless they have documentation proving identity and authorization. XXXX has not produced such documentation and has continued reporting anyway. 

The harm caused by these inaccurately reported accounts is significant. These accounts have appeared as derogatory entries on my credit reports. Their presence has directly contributed to credit denials, reduced credit opportunities, financial stress, and damage to my creditworthiness. I am actively trying to maintain and improve my credit, but XXXX continued reporting of accounts that I do not own is preventing me from moving forward. I have been denied credit on multiple occasions, and the XXXX accounts were listed among the reasons for denial. 

Another problem is the inconsistency in dates and information. XXXX timeline does not match anything in my records. They claim that certain dates correspond to services or placements, yet no documentation supports those claims. If the accounts truly belonged to me, there should be a clear paper trail, including service records, provider communications, insurance claims, billing cycles, and notices. No such trail has been provided. 

It is also concerning that XXXX has not provided proof that they hold legal authorization to collect these debts. To collect on medical debt, a collector must be able to show a valid assignment or contract granting them the right to pursue collection. This includes a bill of sale, assignment documentation, or a provider authorization letter. None of these have been provided. A statement in a response letter is not enoughlegal authority must be documented. 

During the previous complaint process, XXXX stated that verification would be sent directly to me. As of today, nothing has arrived. They had the opportunity to resolve the matter by providing documentation, but they did not. Their failure to follow through on their own commitment shows that they are not verifying the accounts with actual evidence. 

Because case XXXX was closed improperly while these issues remained unresolved, I am opening this new case. The new case is necessary because XXXX has failed to provide verification, failed to provide required documentation, and continued furnishing information that I do not believe is accurate. Again, I do not own these accounts, and XXXX has not proven otherwise. 

This new case incorporates the FTC identity theft filing to support my position that the accounts do not belong to me. Whether the accounts resulted from identity theft, misidentification, clerical error, or some other issue, the fact remains that XXXX has not shown they belong to me. Without documentation, the accounts must not remain on my credit report. 

In this new case, I am requesting that the CFPB require XXXX to do the following : Provide original documentation, including the alleged consent to treat, itemized billing, service dates, signatures, provider records, and insurance claim documents. 

Provide proof of legal authority to collect, including assignment records. 

Provide proof that proper written notice was sent. 

Provide copies of all communications from the original provider. 

Provide documentation showing how identity was verified. 

Provide an itemization of the charges. 

Provide an explanation of how the amounts were calculated. 

Provide chain-of-custody records for the assignment of the debt. 

If XXXX can not provide these documents, then the accounts must be deleted. Continued reporting without verification violates federal requirements for accuracy and reasonable investigation. 

Again, I do not own these accounts. I have never seen documentation supporting them. Their continued reporting without validation is causing harm. I ask that the CFPB require XXXX to provide the documents or delete the accounts immediately.

Company response to consumer: Closed with non-monetary relief