Debt collection -- False statements or representation -- Complaint #12201282
Complaint Overview
Complaint ID: 12201282
Company: W&A Intermediate Co., LLC
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Tennessee
ZIP Code: 38109
Date Received: 2025-02-24T12:00:00-05:00
Date Sent to Company: 2025-02-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX, TN, XXXX Subject : Debt Validation Request Notice of Legal Compliance Required Account XXXX To Whom It May Concern, I am writing pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 to formally dispute and request full validation of the alleged debt you have reported on my credit file. 1. Legal Validation Requirements Under 15 U.S.C. 1692g, you are required to provide the following documentation to verify this debts validity : A legally assigned contract with my original signature from the original creditor. A simple bill or statement is not sufficient proof of a legally owed debt. Proof of chain of custody ( all assignments of ownership ) if this debt was transferred or sold. Verification that you are legally authorized to collect this alleged debt. Failure to provide the above documentation constitutes a violation of federal law under the FDCPA and FCRA. If you continue reporting this unverified debt, you are liable for damages under 15 U.S.C. 1681n and 1681o, which allows me to seek legal action for willful or negligent noncompliance. 2. Cease and Desist Communication Terms As per 15 U.S.C. 1692c ( c ), you are hereby prohibited from contacting me by phone, email, or any method other than written correspondence via my mailing address above. If you fail to comply, you are subject to fines of {$1000.00} per violation, as outlined in 15 U.S.C. 1692k. 3. Immediate Deletion from My Credit Report Since this debt remains unverified and inaccurate, it must be removed from my credit report immediately per 15 U.S.C. 1681s-2 ( b ). Failure to do so will be considered a willful violation of the FCRA, and I will pursue legal remedies, including a complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and legal action against your agency. This is a formal dispute and not a refusal to pay ; it is a request for validation under my rights as a consumer. You are required to respond within 30 days or remove this debt from my credit report.
Frequently Asked Questions
What is Complaint #12201282 about?
Complaint #12201282 was filed against W&A Intermediate Co., LLC regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-02-24T12:00:00-05:00.
How did W&A Intermediate Co., LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against W&A Intermediate Co., LLC?
Yes, visit the W&A Intermediate Co., LLC company profile at readthecomplaint.com/company/w-a-intermediate-co-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.