Consumer complaint received 2023-11-25 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: CA

Complaint narrative:
I first noticed this collection report from Wakefield and Associates appearing on my credit reports in XXXXXXXX XXXX XXXX I called them 3 times, each time I was given different information regarding the dates of the alleged unpaid debt. The second and third times I called, I was given an address to write to to get the requested information, one address on the second call, another address on the third call. 

After the second cll, I mailed the following letter via first class mail : XX/XX/2023 Wakefield and Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Wakefield and Associates : I am requesting additional information on a collection report placed on my credit files by you according to the reference number above. Please send me any available information including invoices to helpmeet identify and resolve this matter as it has had a seriously negative affect on my credit scores. 

Please send to my mailing address shown below. 


Thank You, I received no reply to this letter. 

On my third call to them, XXXX was told to send an email to XXXX. I then sent the requested email on XX/XX/XXXX, XXXX as follows : Dear Wakefield and Associates : I am requesting additional information on a collection report placed on my credit files by you according to the reference number above. Please send me any available information including invoices to help me identify and resolve this matter as it has had a seriously negative affect on my credit scores. 

Please send to my email address or my mailing address shown below. 


Thank You, I never received any response to this email or my previous letter. 

Finally, I sent the following letter via registered mail : XX/XX/2023 Sent by registered mail Wakefield and Associates XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Third Request for Debt Information Since XXXX XXXX your company has reported an overdue account too all three major credit agencies, resulting in a drop in my credit scores from an average of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX currently. Despite carefully checking all my records, I can find no accounts corresponding to what you listed as overdue. 

I disputed this collection to all three reporting agencies, but was told the amounts were confirmed by you and they would not remove the collections. 

I have talked to your company three previous times, and requested information to allow me to verify any overdue accounts. I was advised to write a letter to your company requesting this information, which I did by a first class letter on XX/XX/XXXX, copy attached, After almost a month passed with no response from you, I called again, and was told to email a request with my account number to you, with the same request. I did so on XX/XX/2023, and again have received no response as of now, XX/XX/XXXX. I have attached a copy of this email as well. 

If I am not given this information, invoices with dates and amounts, there is no way I can verify that these were my bills. I will allow until XX/XX/XXXX of this year, and will then file complaints with the CPRB and any other relevant agencies, as well as explore any other legal options I may have. I have worked very hard for the last several years to improve my credit score, and this has significantly damaged me by impairing my ability obtain credit on reasonable terms. 

Sincerely,

Company response to consumer: Closed with explanation