Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Wakefield & Associates, a debt collection agency that has reported a collection account to XXXX XXXX XXXX XXXX in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Summary of the Issue : In XX/XX/year>, a collection account from Wakefield & Associates was reported to all three major credit bureaus ( XXXX XXXX XXXX XXXX XXXX. 

Prior to this reporting, I did not receive any form of communication from Wakefield & Associatesno validation notice, phone call, email, or mailed correspondence. 

I disputed the account with all three credit bureaus in XX/XX/year>. Despite the disputes, the collection account remains on my credit reports. 

On XX/XX/year>, I contacted Wakefield & Associates by phone. I explained that I had never received any debt validation letter. 

The agent stated that a letter was allegedly sent to my address in XX/XX/year>. However, this contradicts the credit reporting timeline, as the collection was already reported to the bureaus in XX/XX/year>. 

When I confronted the agent with this inconsistency, she changed her statement and claimed the account was not reported until XX/XX/year>, which is verifiably false based on my credit reports. 

I requested a copy of the original validation notice that they claim was sent in XX/XX/year>. The agent stated they do not have a copy of this notice. 

Legal Violations : Under 12 CFR 1006.30 ( a ) : A debt collector must not furnish to a consumer reporting agency... information about a debt before the debt collector : ( i ) Speaks to the consumer about the debt in person or by telephone ; or ( ii ) Places a letter in the mail or sends an electronic message to the consumer about the debt and waits a reasonable period of time to receive a notice of undeliverability... 

Wakefield & Associates reported the debt to credit bureaus before making any form of communication with me, violating the FDCPA.

Additionally, under 12 CFR 1006.34 : A debt collector must provide a consumer with the validation information ... in the initial communication or within XXXX days of that communication. 

I received no validation notice at the time the collection was reported, or prior to it. The agency was unable to produce any evidence that such a notice was ever sent. 

Requested Resolution : Immediate removal of the collection account from XXXX XXXX XXXX XXXX 

An investigation into Wakefield & Associates for violations of FDCPA and FCRA. 

Any appropriate penalties or enforcement actions for failure to comply with federal debt collection and credit reporting regulations. 

I am providing this information in good faith and request that the CFPB investigate this matter promptly. 

Thank you for your attention to this serious issue. 

Please note : I have consulted with my attorney regarding Wakefield & Associates actions, which appear to be clear violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). We are currently evaluating potential legal action to seek statutory damages and other remedies for these violations under federal law. I am submitting this complaint in good faith in hopes that the matter can be resolved appropriately without the need for litigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief