Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
Demand for Chain of Assignment and Account-Level Documentation Under FCRA WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : I am writing to formally request the complete chain of assignment and all account-level documentation pertaining to the above-referenced account, which WAKEFIELD & ASSOCIATES XXXXXXXX XXXX XXXX XXXX XXXX is currently reporting on my credit file as a collection account with a balance of {$540.00}, last reported on XX/XX/XXXX. 

This demand is made pursuant to the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681i ( a ) and 1681g ( a ) ( 1 ), which grant me the right to dispute the accuracy of information reported on my credit file and to obtain all information that a furnisher has reported, including its sources and documentation. The FCRA imposes a duty on furnishers like WAKEFIELD & ASSOCIATES to report only information that is complete, accurate, and verifiable. See 15 U.S.C. 1681s-2 ( b ) ; see also XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite this legal obligation, I have not received sufficient documentation to verify the legitimacy of this account. I am requesting the following : The complete chain of assignment from the original creditor to WAKEFIELD & ASSOCIATES, including all bills of sale or assignment agreements. 

A copy of the original account agreement or contract, with my signature. 

A detailed and itemized payment history showing all transactions, fees, and interest applied to the account. 

All notices of assignment or transfer required by federal or state law. 

Any other documentation in WAKEFIELD & ASSOCIATES ' possession that substantiates the reported balance of {$540.00}, and confirms the date of last reporting. 

Demand for Documentation : Please provide the above information within 30 days of receipt of this letter. If you are unable to provide full and proper verification, this account must be immediately deleted from all credit reporting agencies in compliance with the FCRA. 

Legal Notice : Failure to comply with this request may be considered a violation of the FCRA, exposing WAKEFIELD & ASSOCIATES to statutory damages of up to {$1000.00} per violation, actual damages, punitive damages, and attorneys fees under 15 U.S.C. 1681n and 1681o. Additionally, continued reporting of unverified or inaccurate information may violate the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692e, which prohibits misleading or false representations in debt collection efforts. See XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX ). 

Preservation of Evidence : WAKEFIELD & ASSOCIATES is hereby notified to preserve all records, XXXX XXXX, internal notes, and third-party correspondence related to this account. Any alteration or destruction of such evidence may be considered spoliation and may result in legal consequences. 

Please send all documentation and responses to the address listed above. If WAKEFIELD & ASSOCIATES fails to comply, I will take all necessary legal action to protect and enforce my rights under the FCRA, FDCPA, and applicable state laws. 

Govern yourselves accordingly.

Company response to consumer: Closed with non-monetary relief