Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
Subject : Complaint Regarding Debt Validation Non-Compliance by XXXX XXXX and Wakefield & Associates Your Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Company Information : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wakefield & Associates Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Details : XXXX. Description of the Issue : I am filing this complaint because both XXXX XXXXXXXX and Wakefield & Associates have failed to comply with my repeated requests for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) and the Florida Consumer Collection Practices Act ( FCCPA ). 
For XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent a formal request for debt validation regarding Account Number XXXX. ** On XX/XX/year>, I sent a second notice, titled " Notice of Fault and Opportunity to Cure, '' reiterating my request for validation and requesting IRS Form XXXX ( if applicable ) and proof of licensure in Florida. 
To date, I have received no response from XXXX XXXX. 
For Wakefield & Associates : On XX/XX/year>, I sent a formal request for debt validation regarding Account Number XXXX. ** On XX/XX/year>, I sent a follow-up notice, also titled " Notice of Fault and Opportunity to Cure, '' with similar requests for validation, IRS Form XXXX, and proof of licensure in Florida. 
I have not received any response from Wakefield & Associates. 
Both companies have ignored their legal obligations to validate these debts and provide the requested documentation, which violates the FDCPA and FCCPA.

2. Laws Potentially Violated : FDCPA ( 15 U.S.C. 1692g ) : Requires creditors and collection agencies to validate the debt upon request. 
FCCPA ( Section 559.72 ) : Prohibits misrepresentation and collection efforts without proper verification. 
XXXX. Steps Already Taken : I sent certified letters to both XXXX XXXX and Wakefield & Associates, requesting validation of the debts. 
I provided reasonable timeframes ( 30 days and follow-up deadlines ) for both entities to respond. 
I received no responses from either party. 
XXXX. Desired Resolution : I request that the CFPB investigate both companies for : Failing to validate the alleged debts as required by law. 
Failing to provide IRS Form XXXX for charged-off or forgiven debts. 
Failing to demonstrate proof of licensure to collect debts in XXXX 
I also request that both companies cease all collection activities related to these accounts until the debts are properly validated. 
Supporting Documents : Copies of my correspondence to both XXXX XXXX and Wakefield & Associates ( dated XX/XX/year>, and XX/XX/year> ). 
Proof of mailing and delivery of the letters. 
Any additional supporting evidence. 
XXXX. Impact on XXXX : The failure of these companies to validate the debts has caused significant stress and uncertainty regarding the legitimacy of these alleged debts. Additionally, their inaction poses a risk to my credit and financial stability. 
Additional Information : I have made multiple attempts to resolve this matter directly with both companies, but their continued non-compliance has left me no choice but to seek assistance from the CFPB.

Company response to consumer: Closed with explanation