Consumer complaint received 2020-03-05
Company: Sequoia Financial Services
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The company states they provided verification however this is false as they did not. They have not provided me with anything that provides any verification of their allegations.There is no contract with this corporation, its counterparts and or subsidiaries, and never has been.They continue to ignore my verification requests. Their statements continue to be perjured. Please ask them to submit proper verification of this and to then swear under oath making a declaration under penalty of perjury under oath. This company has not satisfied compliant rules and regulations to be given and has further evaded the entire process In an attempt to deflect from their committed illegalities upon my credit they filed inaccurate derogatory marks on my credit again after being repeatedly written to and told to provide compliant as cited verification.This is retaliation, which is a crime. This company failed to do so and then when I filed my complaint here they perjured saying the opposite.Again there is no contract with this company its counterparts and or subsidiaries. Based on no compliant verification, I state for the record this is not my account and they must be held accountable to provide compliantly cited proof otherwise.Due to their malicious willfully negligent frivolous retaliatory actions and harassing phone calls I was forced to file complaints with : XXXX  ; XXXX  XXXX ; the Attorney generals office ; and the FTC.I know of nothing that supports their allegations that I owe them any money.They are continuing to inaccurately and illegally report derogatory marks upon my credit for an alleged unverified account and have therefore knowingly falsified inaccurate reporting upon my credit. 

The company states they provided verification however this is false as they did not. They have not provided me with anything that provides any verification of their allegations.There is no contract with this corporation, its counterparts and or subsidiaries, and never has been.They continue to ignore my verification requests. Their statements continue to be perjured. Please ask them to submit proper verification of this and to then swear under oath making a declaration under penalty of perjury under oath. This company has not satisfied compliant rules and regulations to be given and has further evaded the entire process In an attempt to deflect from their committed illegalities upon my credit they filed inaccurate derogatory marks on my credit again after being repeatedly written to and told to provide compliant as cited verification.This is retaliation, which is a crime. This company failed to do so and then when I filed my complaint here they perjured saying the opposite.Again there is no contract with this company its counterparts and or subsidiaries. Based on no compliant verification, I state for the record this is not my account and they must be held accountable to provide compliantly cited proof otherwise.Due to their malicious willfully negligent frivolous retaliatory actions and harassing phone calls I was forced to file complaints with : XXXX  ; XXXX  XXXX  ; the Attorney generals office ; and the FTC.I know of nothing that supports their allegations that I owe them any money.They are continuing to inaccurately and illegally report derogatory marks upon my credit for an alleged unverified account and have therefore knowingly falsified inaccurate reporting upon my credit.REMOVE ANY AND ALL INACCURATE ILLEGALLY FILED DEROGATORY MARKS AND OR COMMENTS AS NO COMPLIANT VERIFICATION HAS BEEN PROVIDED AS THEY PERJURED THEY HAS DONE.CEASE AND DESIST UNTIL COMPLIANT VERIFICATION IS PROVIDED AS CITED IN PROVIDING THE FOLLOWING : This letter is written in response to inaccurate derogatory trade lines illegally written upon my credit by your company.Ive spoken to your company quite a few times regarding this, yet nothing has been removed.This letter does dispute the validity of allegation by Sequoia Financial Services its counterparts, and or subsidiaries, but not limited to the validity of allegation by Sequoia Financial Services, its counterparts, and or subsidiaries, but not limited to, upon Me. 

This letter memorializes My communicating ( as documented ) with Sequoia Financial Services its counterparts, and or subsidiaries, but not limited to My multitude of futile attempts to resolve and/or work with Sequoia Financial Services, its counterparts, and or subsidiaries, but not limited to for several futile years prior in attempts to resolve and establish Identify Theft as established and reported by me to Sequoia Financial Services, its counterparts, and or subsidiaries, but not limited to, by easily accessed formal reports made by Me with : FTC ; CFPB ; XXXX  ; XXXX  ; XXXX. 

This was due to Sequoia Financial Services, its counterparts, and or subsidiaries, but not limited to non validity of allegation by Sequoia Financial Services, its counterparts, and or subsidiaries, but not limited to, ability to communicate, comply and work with me after a multitude of futile attempts by me to do so. 

I DO NOT HAVE A CONTRACT WITH Sequoia Financial Services, its counterparts, and or subsidiaries, but not limited to. 

Please be advised that I, am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

Fair Debt Collection Practices Act FAIR DEBT COLLECTION PRACTICES ACT.As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-credit-reporting-act https : //www.ecfr.gov/cgi-bin/text-idx?  SID=2b1fab8de5438fc52f2a326fc6592874 & mc=true & tpl=/ecfrbrowse/Title16/16CIsubchapF.tpl https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text https : //www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf https : XXXX In compliance with this method of investigation request, please provide the following : * The description of the procedure used to determine the accuracy and completeness of the information. 

* Name, address, and telephone number of each person contacted regarding this alleged account, and amount owed. 

* A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Verification of valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor. 

A detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest. 

The date the original creditor claims this debt became delinquent. 

Whether this debt is within the SOL ( statute of limitations ), and how that was determined. 

Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, and the license number, and the name, address and telephone number of the state agency issuing the license.If you are contacting me from outside my state, provide the licensing information from your state as well. 

Any automated response or e-Oscar verification is unacceptable.I am requesting a re-investigation along with your method of verification.The item ( s ) in question are inaccurate representing a very serious reporting error.I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA.If not, I expect this item will be removed from my credit files immediately. 

This memorialized letter of notice memorializes any and all futility attempted previous communications by me regarding Account XXXX as grossly failed attempts by Sequoia Financial Services , it's counterparts, and or subsidiaries, but not limited to, in negligently never having provided nor produced to me fully compliant responses that are Sequoia Financial Services , it's counterparts, and or subsidiaries, but not limited to, possession and or control of fully compliant responses as regulated, but not limited to, in accordance with cited FDCPA rules and regulations. 

Nor have Sequoia Financial Services, it's counterparts, and or subsidiaries, but not limited to, attempted to rectify.Instead Sequoia Financial Services, it's counterparts, and or subsidiaries, but not limited to, illegally filed false derogatory trade line marks on my credit that have since inaccurately been reporting derogatory trade lines, and that customer has not paid debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation