Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #6221776
Complaint Overview
Complaint ID: 6221776
Company: Wakefield & Associates, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Florida
ZIP Code: 33647
Date Received: 2022-11-18T12:00:00-05:00
Date Sent to Company: 2022-11-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. -Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report In acceance with the fair credit Reporting 46 act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Collection Agency XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2600.00} Amount {$2800.00} Status Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX DateXXXX XXXX, XXXX CompanyXXXX XXXX XXXX XXXX AddressXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX DateXXXX XXXX, XXXX CompanyXXXX XXXX XXXX XXXX AddressXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX DateXXXX XXXXXXXX, XXXX CompanyXXXX AddressXXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX Request OriginatorXXXX XXXXXXXX XXXX XXXX DateXXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX WAKEFIELD & ASSOCIATES Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$800.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, GA XXXX {$460.00} XXXX XXXX XXXX Status Voluntary Repossession Status updated XX/XX/XXXX Past due amount {$17000.00} Original balance {$23000.00}
Frequently Asked Questions
What is Complaint #6221776 about?
Complaint #6221776 was filed against Wakefield & Associates, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2022-11-18T12:00:00-05:00.
How did Wakefield & Associates, INC. 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 (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Wakefield & Associates, INC.?
Yes, visit the Wakefield & Associates, INC. company profile at readthecomplaint.com/company/wakefield-associates-inc 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.