Consumer complaint received 2025-09-24 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: MO

Complaint narrative:
Original dispute that was sent Certified Mail to XXXX on XXXX XX/XX/XXXX To : Wakefield & Associates XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Subject : Dispute of Medical Collection Account Acct # XXXX Dear Wakefield & Associates, This letter is to dispute the accuracy and legality of the collection account referenced above, appearing on my Experian credit report. 
The original debt allegedly originated from XXXX XXXX XXXX and is listed as $ XXXX increase from the original {$1200.00} without explanation or itemization. I am invoking my rights under 15 U.S.C. 1681i ( a ) to dispute this entry and request : Proof of the amount claimed ; Contract or billing agreement ; XXXX authorization if medical details are being reported ; Verification under 15 U.S.C. 1681b ( a ) ( 2 ) regarding permissible purpose for reporting to third parties. 
Please remove this unverifiable and potentially inflated entry from my credit file or provide full documentation within the XXXX timeline required by the FCRA. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX New Dispute dated : XX/XX/XXXX RE : Formal Dispute of Account # XXXX under XXXX U.S.C. 1681i & 1692g ( b ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Wakefield & Associates , LLC Department XXXX XXXXXXXX XXXX XXXXXXXX RE : Formal Dispute of Account # XXXX under 15 U.S.C. 1681i & 1692g ( b ) To Whom It May Concern, This is a formal dispute of the above-referenced account being reported by your company, originally placed by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 

Please be advised that I previously submitted a certified dispute to TransUnion regarding this account, and I have proof of certified delivery showing it was received. Therefore, under 15 U.S.C. 1681i ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), you were notified by the consumer reporting agency and obligated to investigate the accuracy of this account within 30 days under 15 U.S.C. 1681s-2 ( b ).

Your response to the CFPB, claiming that no indirect dispute was received, is inaccurate and concerning. To prevent further violations, I am now also issuing this direct dispute under 15 U.S.C. 1681i and 15 U.S.C. 1692g ( b ).

As of today, you have not provided : A valid contract or agreement bearing my signature, Proof of ownership or assignment of the debt, A full itemization of the balance or billing statements.

Without proper verification, continued reporting of this account to any consumer reporting agency violates : 15 U.S.C. 1692e ( 8 ) reporting information known to be disputed without notice, 15 U.S.C. 1681s-2 ( b ) failure to investigate after notice, 15 U.S.C. 1681n willful noncompliance, subject to civil liability.

DEMAND FOR ACTION : 1. Delete this account from all credit reporting agencies within the 30-day FCRA reinvestigation window.

2. Cease all collection activity until proper validation is provided.

3. Provide written confirmation of your findings and actions taken. 

If unresolved, I will escalate with formal legal action under the FCRA and FDCPA. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief