W&A Intermediate Co., LLC

I was paying through payment plan since XXXXwith XXXXThe debt agency merged with another company and I was not notified.called XXXX. They said I entered a payment agreement in XXXX of XXXX with the new company XXXX which I did not. I asked for a letter to be mailed stating the original creditor and amount which I was denied. I am also disputing amount which all I asked was to send me verification of that

I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law.…

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I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

I had XXXX on XX/XX/year> at XXXX XXXX. I was told by a collection company called XXXX XXXX that I owed a medical debt to XXXXXXXX XXXX XXXX XXXX for dates of service on XX/XX/year> in the amounts of {$1700.00} and {$1.00}, XXXX. I contacted my medical insurance XXXX XXXX who confirmed that they paid XXXX XXXX XXXX in full for this date of service. I also contacted XXXX XXXX who also confirmed that the entire bill was paid in full and nothing was owed to anyone for this date of service.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX AZ. XXXX Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Re : * Violations 15 USC 1682 ( e ) ( b ) cancel debt Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, You are not the original creditor and you have Violations. * 1st Dispute : Charge Off XX/XX/XXXX, cancelled debt * Debt Validation letter : XX/XX/XXXX * 2nd Dispute:10/25, 1099c for years XXXX, ( I never received the 1099c ) The Following information is required, please fill out the form below in its entirety. A. The Forward flow Agreement B. Chain of Assignment valid documentation C. The Account Level Documentation. * Your company said I allegedly owe you money. Validation of the debt that Is, the actual accounting. 1. Verification of The Original signed Obligation from me to XXXX XXXX XXXX, Not a bill Not a invoice. 2.…

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XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

XXXX XXXX XXXX XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. i am XXXX out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX At the time of XXXX, I was XXXX XXXX XXXX XXXX XXXXXXXX. The provider failed to bill XXXX and instead improperly billed me directly during the XXXX public health emergency. As a XXXX recipient, I was not legally responsible for this charge, and balance billing is not permitted. I was in labor, under medication, and not in a position to manage third-party medical billing. Despite multiple attempts over several years to resolve this billing error directly with XXXX XXXX and through credit bureau disputes, the account was sent to collections and continues to be reported on my credit file. This inaccurate reporting has materially harmed me by preventing access to credit and financial products for over XXXX years.

I recently obtained a copy of my credit report and this company is currently reporting debt on my report that has never been verified or validated. Additionally HIPAA law protects all my medical records from third parties such as this company. I NEVER GAVE XXXX XXXX XXXX XXXX PERMISSION TO RELEASE ANY MEDICAL INFORMATION. this is A TRUE VIOLATION OF MY RIGHTS.

I am submitting this response to formally explain my dispute regarding a collection account that is being reported on my credit report. I sent a written debt validation request to the collection agency reporting this account, requesting documentation to validate the alleged debt, including a copy of any contract or agreement bearing my signature that establishes my legal obligation to pay. This request was made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. The collection agency failed to provide any validation or documentation. Instead of responding appropriately, they returned my original letter to me without providing any proof, confirmation, or explanation. To date, no debt validation has been provided. Additionally, I submitted written disputes to all three credit reporting agenciesXXXX XXXX and XXXXclearly outlining the violations of federal law and asserting my rights as a consumer.…

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Back in XXXX I had a judgement placed on me for XXXX, {$80.00} a month until paid. I have never missed a payment. I received a letter in the mail about my balance being XXXX last year. I sent in a check XX/XX/XXXX my back verified that it was delivered on XX/XX/XXXX. It is now XX/XX/XXXX. I have called XXXX several times to ask why the check has not cleared. They switched me to different representatives saying they cant find my accounts when they do Find My accounts. They tell me they can not talk to me about my accounts I finally got a touch with someone in legal andshe said that I still owed {$5700.00}. I told her about the statement that I had received last year for XXXX and she told me the account numbers dont match when I ask what my account number is, she couldnt tell me because she said she was in the middle of a merger.…

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Dear Wakefield and associates I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.…

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WAKEFIELD & ASSOCIATES is falsely reporting on my credit. I have never had any accounts with them. Per my research WAKEFIELD & ASSOCIATES is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

I timely disputed the alleged debt in writing and demanded strict validation pursuant to 15 U.S.C. 1692g ( b ). My dispute was submitted through the CFPB, transmitted directly to XXXX XXXX XXXX XXXX XXXX and acknowledged by XXXX in its written response. Despite receipt of my written dispute, XXXX failed to provide any legally sufficient validation. Specifically, XXXX did not produce a signed contract or financial responsibility agreement, itemized medical billing, insurance billing records or EOBs, a complete accounting ledger, proof of assignment or authority to collect, HIPAA authorization or Business Associate Agreement, or any disclosure regarding cancellation of debt or IRS Form 1099-C. Instead, XXXX relied on bare assertions that records allegedly exist, that the creditor substantiated the balance, and that a consent to treat is allegedly on file, without producing any documents. Such statements do not satisfy the validation requirements of the FDCPA.…

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On XX/XX/XXXX My dermatologist waived the balance due of {$36.00}. On XX/XX/XXXX I was sent a debt collection letter from XXXX XXXX XXXX. It said I had until XX/XX/XXXX to dispute. On Friday, XX/XX/XXXX, at XXXX pm, I received a call from a business I had never heard of : WAKEFIELD AND ASSOCIATES, Phone # XXXX. I let it go to voice mail. Unfortunately, they did not leave a message. Then, XXXX minutes later, at XXXX pm, my daughter received a call from the same number and name. She answered the call and they started out by asking her Can you hear me? Then asked for me. She told them they had the wrong number. They then asked if she was related to me. She hung up on them. Then, XXXX minutes after that, at XXXX pm, my son got a call from this same number and name. He answered and it was the same thing. They said they are handling a business matter for me. He hung up on them. How Deceptive is this statement!!!…

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I discovered a medical collection account reported by XXXX XXXX XXXX on my credit report. This was the first time I had ever seen or been made aware of this alleged debt. I never received a bill, notice, explanation of benefits, validation notice, or any communication from either the medical provider or XXXX XXXX XXXX prior to credit reporting. XXXX XXXX XXXX is reporting a balance that exceeds the listed high credit amount and reflects inconsistent payment history and delinquency dates. This constitutes inaccurate reporting under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ) and 1681i. XXXX XXXX XXXX has furnished this account without providing validation as required under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Continued reporting of an unvalidated debt constitutes collection activity and violates 1692g ( b ).…

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XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX I am submitting this complaint to formally dispute the above-referenced account, which is currently being reported on my credit reports with XXXX, XXXX, and XXXX. I am requesting full validation of this alleged debt, as I have not been provided proof that this account is accurate or that I am legally responsible for it. I am requesting basic documentation to verify this account, including the name of the original creditor, the full account number, a detailed breakdown of the balance being claimed, any agreement showing my obligation to pay, and proof that this account was properly transferred to the current reporting or collecting party. This account is also being reported inconsistently across the credit bureaus, with conflicting balances and account statuses. These discrepancies raise concerns about the accuracy of the reporting under the Fair Credit Reporting Act.

I am submitting this complaint regarding an account XXXX & XXXX continues to report on my XXXX credit file. I have disputed this account multiple times, yet it remains listed, even though both XXXX and XXXX have already removed the same account. The fact that two major credit bureaus deleted it shows that the information can not be verified as accurate or complete. As the reporting collection agency, XXXX & XXXX is responsible for maintaining proper documentation to support this account. Under the Fair Credit Reporting Act ( FCRA 623 ( b ) ), you are required to conduct a reasonable investigation whenever a dispute is received and to stop reporting information that can not be fully verified. Furthermore, XXXX still shows this account as Account not disputed, despite my repeated disputes. This misrepresentation itself makes the reporting inaccurate.

XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Wakefield and associates, LLC and XXXX XXXX ( later identified as XXXX XXXX in Arizona ) received collection letter ( XXXX ) owing Banner XXXX responded with which banner and what was the date and charges for? I never received a bill from XXXX! I responded with proof of insurance and mentioned never receiving a bill. ( I have tracking # showing my request ) Wakefield never responded and sent me into collections. I began my own investigation and found it was banner estrella from a visit in XXXX of XXXX asked XXXX why I never received a bill and denial letter from the insurance company if they didn't pay it. ( Banners response was they only send bills through email, and I didn't provide XXXX and somehow my insurance was never run. banner follow up ( somehow insurance still had not be processed it got stuck in other departments ).

I am submitting this request as a new CFPB case, as my prior complaint ( XXXX XXXX. XXXX ) has been closed. According to the companys response, the referenced account was closed and returned to the original creditor, and Wakefield & Associates , LLC has confirmed that it no longer owns or services the account. Since the account is no longer being collected and has been returned, there is no permissible purpose for the tradeline to continue reporting on my consumer credit reports. Accordingly, I am requesting that Wakefield & Associates , LLC direct all credit reporting agencies to delete the tradeline associated with this account, as the company no longer has an interest in the debt and has ceased collection activity. Please provide written confirmation that deletion requests have been submitted to XXXX XXXX XXXX XXXX Thank you for your attention to this matter.

XXXX XXXX XXXX responded to my complaint with unsupported assertions and no documentary evidence. They failed to provide validation required by FDCPA 1692g and failed to demonstrate a reasonable investigation under FCRA 611. The account is medical in nature, and XXXX is not the provider. They can not legally verify the debt without disclosure of protected health information. Their attempt to pre-empt future complaints is improper. I am requesting supervisory review, deletion, and confirmation of compliance.

Wakefield & Associates , LLC has engaged in misrepresentation and failed to comply with federal debt validation and investigation requirements after receiving multiple disputes, including a dispute submitted through the Consumer Financial Protection Bureau and a subsequent written validation request sent by mail and confirmed as delivered. XXXX XXXX Wakefield & Associates responded to a prior CFPB complaint on XX/XX/year>, asserting that no direct dispute had been received and that debt verification was allegedly sent to me on XX/XX/year>. Both representations are false and misleading. First, a dispute submitted through the Consumer Financial Protection Bureau constitutes formal notice. Wakefield acknowledged and responded to that CFPB complaint, which alone establishes receipt of a dispute.…

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XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Re : Formal Dispute Alleged Balance {$1300.00} Unverified / Unlawful Reporting This letter constitutes a formal legal dispute, cease-collection notice, and immediate deletion demand regarding the alleged account that Wakefield & Associates is reporting in the amount of {$1300.00}. I have repeatedly disputed this account, and despite multiple requests, no lawful validation or supporting documentation has been provided. This account remains unverified, inaccurate, and improperly furnished, and therefore must be removed immediately. To date, XXXX XXXX XXXX has failed to produce : a signed contract or service agreement, a complete itemized billing ledger, proof of chain-of-assignment / ownership / collection authority , proof that I am the responsible party, or documentation that the balance is lawful, accurate, and collectible.…

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