Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
Re : Complaint Against Wakefield and Associates for Violations of Federal Collection Laws To Whom It May Concern, I recently discovered that Wakefield and Associates LLC has proceeded to report to the credit agencies on XX/XX/24 a staggering XXXX collection accounts all referencing account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am writing to file a formal complaint against Wakefield and Associates for violations of federal debt collection laws. Specifically, Wakefield and Associates has failed to comply with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as well as specific regulations set forth by the Consumer Financial Protection Bureau ( CFPB ). The details of my complaint are as follows : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : Wakefield and Associates placed a collection account on my consumer report without providing the required validation information. I have not received any documentation verifying the debt, as mandated by federal regulations.

2. Denial of Right to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : I have not been informed of my right to dispute the debt. This is a clear violation of my consumer rights under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), which requires debt collectors to notify consumers of their right to dispute the validity of the debt.

3. Use of False, Misleading, and Deceptive Means : Wakefield and Associates has engaged in practices that are false, misleading, and deceptive, which violate my rights under the FDCPA. These actions appear to be intended to coerce payment without proper validation or verification of the debt.

4. Improper Furnishing of Information to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ) : Wakefield and Associates has reported this debt to credit reporting agencies without providing all required disclosures and validation information. This is in direct violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2, which govern the responsibilities of debt collectors in reporting to consumer reporting agencies.

Due to these violations, I request that the CFPB take the following actions : 1. Remove Inaccurate Information : Require Wakefield and Associates to contact all credit reporting agencies and request the immediate removal of the inaccurate collection account from my consumer reports.

2. Investigate Wakefield and Associates : Conduct a thorough investigation into Wakefield and Associates ' collection practices and their compliance with federal laws.

3. Take Disciplinary Action : Impose appropriate penalties and corrective measures on Wakefield and Associates for their violations of federal debt collection and credit reporting laws. 

This is XXXX of many complaints found via XXXX, Wakefield & Associates is a debt collection agency that has been the subject of thousands of complaints with the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX  The most common complaints are about : Inaccurate reporting, Harassing communication, Lack of response to debt validation letters, trying to collect an incorrect amount of debt, and Debt not owed. 

Please treat this letter as a formal complaint and keep me informed of any actions taken regarding this matter. Thank you for your attention to this serious issue

Company response to consumer: Closed with explanation