Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #6852632
Complaint Overview
Complaint ID: 6852632
Company: W&A Intermediate Co., LLC
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: Illinois
ZIP Code: 603XX
Date Received: 2023-04-17T12:00:00-05:00
Date Sent to Company: 2023-04-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2023, I submitted complaint number XXXX involving Choice Recovery aka Wakefield & Associates XXXX I received an email from CFPB on XX/XX/2023, stating the company has yet to respond to my complaint. On XX/XX/2023, I received an additional email stating that the company this now investigating my complaint and I should have the issue resolved within 60 days from my original complaint which was XX/XX/2023. On XX/XX/2023, I received a notification that Wakefield & Associates had yet again reported a derogatory mark on my credit reports. Then shortly after I received a letter in the mail requesting me to settle with them. My question is if this account was being investigated why and how could the company still destroy my credit and then try to get me to send them money? What part of the investigation is this? The company never addressed the issue at hand about violating my rights. Under { 15U.S.C. 1681e } Nor was the issue addressed regarding the company adding additional fees to the balance. In order for fees to be assessed the company must receive permission from the courts to do so. The company has exceeded the allotted time to respond. Which is 60 days from the filing of my original complaint. Meanwhile, I'm unable to receive approval for a mortgage because this has been lingering for two months. How can this be? CFPB is here to protect consumers from these deceptive practices. This is a XXXX of injustice to further allow this company to violate these laws.
Frequently Asked Questions
What is Complaint #6852632 about?
Complaint #6852632 was filed against W&A Intermediate Co., LLC 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 2023-04-17T12:00:00-05:00.
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 (Credit reporting, credit repair services, or other personal consumer reports) 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.