Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX : This is NOT a duplicate. 

I am filing this complaint against XXXX XXXX XXXX regarding four individual debts, each with distinct timelines and account numbers, all mishandled with gross negligence and blatant disregard for the law. 

Account # XXXXXXXX XXXX XXXX {$800.00} Validated within 30 days but not properly validated per FDCPA and FCRA standards. 
Account # XXXX XXXX XXXX XXXX {$940.00} Validation response received after 30-day deadline and was insufficient. 
Account # XXXX XXXX XXXX XXXX {$930.00} Validation response received after 30-day deadline and was insufficient. 
Account # XXXX XXXX XXXX XXXX {$2000.00} Validated within 30 days but not properly validated and missing key documentation. 
XXXX XXXX XXXX has repeatedly marked all four accounts as duplicates on the CFPB portal, despite each being separate debts with different timelines and distinct details. This gross negligence shows a pattern of systemic failure and disregard for consumer rights, exposing XXXX XXXX XXXX to statutory damages. 

Their failure to meet legal validation deadlines on multiple accounts and the provision of incomplete or irrelevant documentation constitutes clear violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as well as Tennessee debt collection licensing laws. 

I have made multiple requests for full debt validation, including proof of ownership, itemized billing, chain of custody, and a Tennessee collection license. XXXX XXXX XXXX failed to provide this legally required documentation in a timely and complete manner. Their excuses and partial responses are unacceptable and do not satisfy their obligations under the law. 

The continued reporting of unverifiable debts after their legal right to validate has expired is unlawful and harmful. This conduct is a direct violation of consumer protection laws and opens them up to significant legal consequences. 

XXXX XXXX XXXX marked these complaints as duplicates on the CFPB website, attempting to dismiss valid, individual claims. This not only obstructs my ability to seek resolution but also reveals a disturbing pattern of evading accountability. 

I have preserved a complete, secure paper trail including all correspondence, dates, postmarked envelopes, emails, and documentation to prove my case. 

This is not my first time fighting for my rights, and I take this extremely seriously. However, this is by far the most blatant, obvious, and egregious violation I have ever encountered. I am pursuing this not just for myself but out of a moral obligation to protect others from similar abuse. 

I demand immediate and permanent deletion of all four XXXX XXXX XXXX accounts from XXXX, XXXX, and XXXX  credit reports. This is not a request for reinvestigation but a demand for compliance with the law. 

I have begun the initial steps to pursue legal action against XXXX XXXX XXXX This process will not stop until I receive written confirmation that all four accounts have been fully and permanently deleted from my credit reports. I am preparing to send a formal legal demand letter outlining the relief I seek outside of court. If this matter can not be resolved amicably through that process, I will have no choice but to proceed with a lawsuit. 

If this goes to court, I will fight with honor, integrity, and the full backing of consumer rights on my side. I have a vision to help society and stand up for those who can not, and this case is one way I intend to make that impact.

That said, solving this amicably remains my number one goal.

These are serious violations, and I will seek every available avenue for relief, including statutory, punitive, and treble damages. The burden is on collection agencies to follow the law precisely. XXXX XXXX XXXX must understand that their blatant disregard for the law and consumer rights will not be tolerated.

By standing up against these practices, I aim to set a legal precedent protecting other consumers from similar abuse. This is about holding debt collectors accountable and ensuring the law is respected. I also give the CFPB permission to publish this complaint to consumer finance.gov just filter out my personal details.

Company response to consumer: Closed with non-monetary relief