Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
Under the Health Insurance Portability and Accountability Act, Medical debt legally can not be sent to a collections agency without written consent. This is in direct violation of this act {$1700.00} in alleged medical debt. I am responding to your communication regarding an alleged debt for alleged services provided. 

Wakefield and Associates received this alleged debt on XXXX and XXXX. The alleged service dates are XXXX and XXXX. Wakefield and Associates are in violation because they : # 1. Upon receiving the debt from whomever they purchased it from -- I did not authorize this information to be sold to them in the form of my unique signature. 

# 2. 15 USC 1681i of the United States Code requires that disputed information be removed from A credit report. In the recent response from this unorganized company, it was alleged that I filed disputes on XX/XX/XXXX, which is true. 

That said, on XX/XX/XXXX or upon receipt of the other many disputes filed, Wakefield and associates FAILED to remove this from my credit report while in the dispute process. I do have all the documents supporting this claim Please also let the record reflect that I never received any notices via Mail, Email, Fax, or any other means when I requested certain documentation. I am currently still waiting for itemized bills from the original creditor, and have a recorded conversation with the employee telling me they are waiting for this information from the original creditor, which means this is still currently in dispute as we are waiting for the documentation but it is STILL ON MY REPORT. 



As permitted by the Fair Debt Collection Practices Act. I am requesting that you provide documentation that provides authorization to send my personal information to a third-party collection agency, my SIGNATURE. 


1. HIPPA Compliance Under HIPPA I am entitled to protect my medical records. I do not recall authorizing anyone to release my medical information to any third party, including your agency. HIPPA allows for the release of limited information. But any further release requires my explicit authorization. Please provide a copy of my authorization permitting the provider to release my medical information to your agency. Please also provide a complete account of the information you received from the provider in connection with this alleged debt. 

While this has been in original dispute since XX/XX/XXXX, the most recent on recorded line has been since XX/XX/XXXX, it is in violation of the Fair Credit Reporting Act because : 1. It has not been taken off my credit report or placed into a dispute status on my report. 2. It is still being reported as late/derogatory. Documentation request : To comply with HIPPA and FDCPA regulations, I expect full documentation of any information your agency has received from the provider regarding this alleged debt. 

If your Agent is withholding any part of my medical information for HIPPA compliance, this may constitute a violation of the FDCPA, as it would prevent me from fully validating the debt. Next steps : Please respond to this request by sending all requested information as a response to this notice in the CFPB portal within 30 days of receipt. If you are unable to provide the requested documentation, and validation, I expect immediate closure of this collection account, the removal of any related reporting from my credit file, and a XXXX $ fine payable to XXXX XXXX. 

This has exceeded the 30-day mark of dispute. Under US law Wakefield and associates have violated the law in many forms. This has been referred to the County 's DA office for criminal charges and other financial penalties. If you would like to come to a resolution now, we can if you respond before XXXX.

Company response to consumer: Closed with explanation