Debt collection -- Written notification about debt -- Complaint #18994459
Complaint Overview
Complaint ID: 18994459
Company: W&A Intermediate Co., LLC
Product: Debt collection
Sub-Product: Medical debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Florida
ZIP Code: 33161
Date Received: 2026-01-25T12:00:00-05:00
Date Sent to Company: 2026-01-25T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
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. Despite this, the inaccurate information continues to be reported, and no proper investigation appears to have been conducted, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. This account is alleged to be a medical debt. I have no legal contract with the collection agency, nor have I ever provided written consent or authorization granting them access to or the right to use, disclose, or verify my private medical information. Any attempt to validate or report this debt without proper authorization raises serious concerns under the Health Insurance Portability and Accountability Act ( HIPAA ). To summarize : The collection agency failed to validate the debt as required by law. No contract or agreement exists establishing my obligation to this collector. The collection agency improperly returned my validation request instead of responding. The credit bureaus failed to properly investigate my disputes. I did not authorize the release or use of my medical records. I am requesting that the CFPB review these violations and require corrective action, including the removal of this unvalidated and inaccurately reported account from my credit report. Thank you for your time and attention to this matter.
Frequently Asked Questions
What is Complaint #18994459 about?
Complaint #18994459 was filed against W&A Intermediate Co., LLC regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2026-01-25T12:00:00-05:00.
How did W&A Intermediate Co., LLC respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.