Consumer complaint received 2023-08-31
Company: Sequium Asset Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I attempted several options to resolve this matter by first offering to pay this debt in full to get it quicky removed from my consumer report because the debt is not mine and it could mess up my ability to qualify for my mortgage loan. I mailed a letter on XX/XX/2023 to address on consumer report XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Cy XXXX which was returned back to me because of a faulty address. 

I XXXX XXXX called XXXX XXXX  XXXX telephone number XXXX on a recorded line and spoke to XXXX XXXX. I told her I mailed them a letter and it was returned back to me due to a faulty address on file. She stated they are not at that address and gave me a different address XXXX XXXX XXXX XXXX XXXX, Ct XXXX. On XX/XX/2023 I asked for her email address : XXXX so I can sent her over a new letter of pay for deletion because I'm currently buying a house and I need this off my consumer report immediately also need them to review and sign an agreement if I pay this debt in full they are to remove it off my credit report and not put this as a paid collection. I explain the situation to her that this debt isn't mine but due to me being in the process of buying a home I am willing to compromise to offer a full settlement amount {$220.00} in exchange to remove this inaccurate information from my consumer report. 

XXXX XXXX  stated their office provide no such option and the collection will remain on my credit report and it will get updated as paid collection. I told her It makes no sense to pay a debt in full that is not mine for it to remain on my credit report for 8 years. I explained to her I just disputed this same account {$220.00} from a previous collection agency SEQUIM XXXX SOLUTIONS same account number and same amount of {$220.00} and they removed it and then XXXX XXXX XXXX  bought the same debt for the same amount {$220.00}. XXXX claim that XXXX XXXX  XXXX  removed it from the old collection agency and XXXX reassigned the debt to them. I explained that I resolved this situation already and I owe no such debt for alleged cable bill because I am not at that address. That it is not my address they claim the bill to be owed which is the main reason why SEQUIM XXXX SOLUTIONS which the old collection agency removed it from my consumer report because they couldn't verify or validate the account. 

XXXX then stated they will review my email pay for delete letter but will not consent to signing anything or will not consent to accepting my offer. That they will follow up with a phone call. I stated I will only email or correspondence by mail no phone calls. 

I XXXX XXXX requested for validation of the debt and sent several letters of Validation of debt request pursuant to 15 USC 1692g under the Fair Debt Collection Practices Act. The Second Letter was sent certified mail on XX/XX/2023 and signed for tracking number XXXX XXXX XXXX XXXX XXXX it was signed for but no response or letter to validate my request which all letters is attached to my CFPB Complaint. 

They were acquiescence more than 30 days which is a violation of the Fair Credit Reporting Act... So I sent out another letter certified mail on XX/XX/2023 for Failed to provide validation of debt pursuant to 15 USC 1692g. The certified letter # XXXX XXXX XXXX XXXX XXXX was signed for and returned signature receipt # XXXX XXXX XXXX XXXX XXXX XXXX by XXXX no response or letter sent back. 

So I sent out 2 additional letters XX/XX/2023 about furnishing inaccurate information on consumer reports and how this have severe damage my ability to obtain future credit and let them know they are willfully violating the consumer laws under FCRA 15 USC 1681s-2 Responsibilities of furnishers and 1681 for willful noncompliance. 

XX/XX/2023 I sent a final letter registered mail # RE XXXX XXXX XXXX XXXX of demand for validation and proof of claim which XXXX XXXX  XXXX  has only been acquiescence and been willfully non compliance under 1681 and now I will be seeking legal actions against this company for 616 civil liability for willful noncompliance, Defamation of character and much more.

Company response to consumer: Closed with explanation