Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Consumer Financial Protection XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Dispute Regarding Collection Agency 's Noncompliance with Consumer Protection Laws To Whom It May Concern : I am writing to formally dispute the actions of WAKEFIELD AND ASSOCIATES as they pertain to their placement of a collection account on my consumer report. Their conduct violates federal consumer protection laws, specifically : 12 CFR 1006.34 ( b ) ( 5 ) : The agency has failed to provide the legally required validation information concerning the debt they are attempting to collect. Despite this, they have reported this collection to consumer reporting agencies, causing harm to my creditworthiness.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given the opportunity to dispute the account as required by this regulation, which mandates that consumers be informed of their right to dispute a debt within the specified time frame.

Fair Debt Collection Practices Act ( FDCPA ) : The agency 's actions violate provisions of the FDCPA, which mandate that collectors provide accurate and complete information about the alleged debt and refrain from deceptive practices.

Fair Credit Reporting Act ( FCRA ) : Reporting inaccurate or unverifiable information to consumer reporting agencies violates the FCRA, which ensures the accuracy and integrity of consumer credit information.

Consumer Financial Protection Act ( CFPA ) : The collection agency 's actions constitute unfair, deceptive, or abusive acts or practices ( UDAAPs ), prohibited under the CFPA.

12 CFR 1006.34 ( d ) : The collection agency has no authority to furnish any account to consumer reporting agencies without providing all disclosures required by law.

15 U.S.C. 1681s-2 : Furnishing information to consumer reporting agencies without ensuring its accuracy and integrity constitutes a clear violation of this section of the FCRA.

Additionally, the collection agency is in violation of my consumer rights by using false, misleading, and deceptive means to collect or attempt to collect the alleged debt.

As of this letter, I have not received any of the following required details : The name of the original creditor ; The amount of the alleged debt, including an itemization ; Information regarding my right to dispute the debt or request additional information.

The reporting of this unvalidated debt constitutes an unfair and deceptive practice that has negatively impacted my financial standing. These actions are not only in violation of federal regulations but also undermine my rights as a consumer.

Furthermore, I hereby revoke all permissions for [ Collection Agency Name ] to communicate with me through email, text messages, or phone calls. Any further communication must be made in writing and sent to my mailing address listed above.

I request the following corrective actions be taken immediately : Cease Collection Activities : Until the required validation information is provided, [ Collection Agency Name ] must cease all collection activities.

Remove Collection from Consumer Report : The unvalidated collection account must be removed from my consumer report.

Provide Full Validation Information : Complete and accurate validation of the alleged debt must be sent to me, including details of the original creditor and a breakdown of the amount owed.

Failure to address these issues promptly may result in my filing a formal complaint with the Federal Trade Commission ( FTC ) and pursuing legal remedies as provided under federal law.

Please confirm receipt of this letter and provide a detailed response addressing my concerns within 30 days. Correspondence can be sent to the address listed above or via email at [ Your Email Address ].

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation