Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: W&A Intermediate Co., LLC
State: KY

Complaint narrative:
I have literally been trying to correct this debt that has been showing up on my credit report since around XXXX. It shows up initially as many individual accounts with the Wakefield name spelled just slightly different so as to make me look like I am in collections to many many companies. Supposedly these are all unpaid medical bills but the problem here is that I have so much medical insurance coverage that I pay for to protect myself, the most I ever have to pay out of pocket to any XXXX XXXX XXXX  or testing facility or any place that is considered a medical expense if XXXX for the entire year. Which due to my XXXX  I always have that first expense out of my pocket in XXXX of each year. So this now over XXXX bill that they are claiming I owe I have been requesting the documentation for what these charges are for for over XXXX years and they continue to keep reporting this information to a credit bureau and they have started just changing the opening date when it gets time for it to fall if of my report. They have made so many calls to my cell phone that I have had to even get new numbers so that I can not have to constantly answer unknown calls from people I can not even begin to understand what they are saying to me and I have begged these people to just simply send me what they say I owe and I will ensure that if I owe anything at all, I will pay it. This debt is false and it being reported just to try and bully me into making payments. This company has a terrible reputation online for doing to others exactly what I have been fighting with them to stop doing to me as I have now discovered. But NOW, I have just purchased a new home and when the bank pulled my credit report, this showed up and I am having to pay an outlandish interest rate due to this false u formation in my report. I have even reported them to the XXXX XXXX XXXX XXXX XXXX and I also have that file number if it is needed. If it is a legitimate medical debt, then send it to me, and my XXXX seperate insurance companies would have taken care of the bill. But now since I have caught them at massaging the numbers ( The debt was below XXXX prior to XXXX of XXXX ) they have now changed the debt to over a XXXX dollars so as to be able to still report it in my credit report since the new law went into place on medical debt collection reporting. There has to be a way to have these canopies either prove the debt they are trying to bully me into paying or they need to simply stop reporting false information and costing me a great deal of money by their illegal actions. I want them to pay me back the money I have to pay extra each month because if an interest rate I have to pay due to this false information. It is clear as shown on my credit report that I have not nor have I EVER been late on a single bill in my life and I do not have debt. So when I wanted to purchase a home and the only thing in my report that was negative was this false bill, I started trying even harder to get it taken off. Consumers are not being protected from this so called business and we are having to pay for their cheating ways. There is no telling the amount of money they are able to XXXX XXXX XXXX  into paying each and every day with their forceful techniques and scare tactics when most likely they dont even owe anyone a dime in the first place. This company has to be stopped and I wish a lawsuit would be brought up against them and they would have to pay damages for the distress as well as the extra interested charges all consumers have had to pay due to them even having the ability to report to the credit bureaus. Why cant their ability to send in information be removed until a full blown investigation into the company could be completed???? That seems like the best possible scenario and it could save a to. If people a lit of grief and excess money expenditures that they dont have to spend.

Company response to consumer: Closed with explanation