Consumer complaint received 2025-02-18 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: OH

Complaint narrative:
XX/XX/2025 Subject : Dispute of Civil Liability for Negligence and Noncompliance under 15 U.S.C. 1681O I am writing to formally dispute the civil liability claim regarding negligence and noncompliance under Section 1681O of the Fair Credit Reporting Act ( FCRA ) related to [ briefly state the specific issue or event in question ]. Upon reviewing the matter, I believe that the claim is both incorrect and unsupported by the facts. I am providing the following details to demonstrate why the claim of negligence and noncompliance should not apply in this situation.

1. Negligence Claim : Under Section 1681O, parties are liable for damages resulting from negligence in the handling of consumer information. I believe that the negligence claim is unfounded for the following reasons : Failure to Properly Investigate Dispute : I have submitted a formal dispute regarding inaccurate information on my credit report, as per the FCRA requirements. Despite my efforts, the reporting agency failed to conduct a reasonable investigation within the 30-day period mandated by the law. This inaction constitutes negligence, as the agency did not make the necessary effort to verify or correct the information after being notified of the dispute.

Failure to Update Information : Despite having reported an error the miscellaneous accounts ( XXXX XXXX XXXX and XXXX XXXX ) no corrective actions were taken within the statutory timeframe. This failure to act on known inaccuracies or take corrective measures demonstrates negligence on the part of the party involved.

Inaccurate Reporting : The failure to provide accurate information, despite clear evidence of inaccuracies on my credit report, suggests a lack of due diligence and failure to comply with FCRA standards. This negligence could have resulted in harm to my creditworthiness and financial standing.

2. Noncompliance with FCRA Standards : I am also disputing the claim of noncompliance under FCRA based on the following : Failure to Follow Procedural Requirements : The FCRA specifies certain procedural requirements for resolving disputes, including notifying the consumer of results within a reasonable time frame and taking corrective actions where necessary. Your failure to properly investigate or resolve my dispute, coupled with your non-compliance in notifying me of the results, amounts to a breach of these procedural requirements.

Failure to Provide a Written Response : The FCRA requires that consumers be notified of the outcome of their dispute in writing. I did not receive the required documentation, and this noncompliance is a violation of my rights under the law.

Request for Resolution : In light of the above, I am requesting the following actions : 1. Immediate Correction of the Inaccuracies : Please rectify any incorrect information that is impacting my credit report or consumer profile.

2. Detailed Explanation : Provide a detailed explanation of the steps taken to resolve this dispute, including an acknowledgment of any procedural failures and the corrective actions that will be implemented moving forward. 3. Compensation for Negligence : As per Section 1681O, I request
compens

ation for any harm caused due to your negligence, including damages to my credit score and financial well-being, if applicable. I expect a response within 30 days, as stipulated by the FCRA. If I do not receive a timely resolution, I may consider taking furt
her legal action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal remedies.

Please acknowledge receipt of this letter and take the necessary steps to correct the issues outlined. I look forward to your prompt resolution of this matter.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation