Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX has violated multiple consumer rights and privacy rights, caused injury tangible and intangible. On XX/XX/XXXX a debt validation letter regarding XXXX # XXXX in the amount of {$790.00}, was sent to XXXX XXXX XXXX XXXXXXXX, around or on XX/XX/XXXX received the letter and mailed back a statement dated XX/XX/XXXX stating theyre unable to perform an investigation. XXXX XXXX XXXX XXXXXXXX are acting in dishonor and theyve damaged my credit and has not provided proof of validation and reported to the major agencies i.e Experian, XXXX, and XXXX, possibly XXXX. they have not provided notice of this alleged debt, nor provide proper disclosure to post transactions on my report.According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless, the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681a ( 2 ) states '' ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; they XXXX XXXX XXXX XXXXXXXX do not have permission nor have the standing to attempt to collect on this alleged debt.

Company response to consumer: Closed with explanation