Consumer complaint received 2023-08-20
Company: Sequium Asset Solutions, LLC
State: OH
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:
another account, keeping your card balance low and making payments on time can help show lenders you're a responsible borrower. 
new credit card See your offers 2collections Total balance : {$840.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX 
Balance {$490.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX Balance {$350.00} Balance updated XX/XX/XXXX owl-branch When your account is in collections, consider these options : Verifying the debt You can ask for a debt validation and verification letter confirming details of the debt. Consider keeping copies of written communication with the debt collector for your records. 

Negotiating the debt Disputing the debt Collections can stay on your credit report for up to 7 years from the delinquency date, but they typically affect your XXXX Score less over time. 
4inquiries These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Your XXXX  credit file is unlocked. 
Locking your credit file can help prevent unauthorized access. 
file unlocked More on XXXXXXXX Keep in mind, not all inquiries are factored into your FICO Score. Inquiries stay on your credit report for two years but only impact your FICO Score for the first year. Also, FICO may group loan inquiries together so you aren't penalized for shopping for a better rate.

0public records This is where public records, such as bankruptcies, would appear on your report. 

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Learn more FAQs What is a credit report? 

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When is your XXXX credit report updated? 
SEQUIUM ASSET SOLUTION Original creditor : XXXXXXXX XXXX Balance details 0 % paid off Balance {$350.00} Balance updated XX/XX/XXXX Original balance {$350.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. 
Status updated XX/XX/XXXX Payment summary XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Comments- Your statement - Contact info Name SEQUIUM ASSET SOLUTION Address XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX I have previously disputed the original Debt as fraud with XXXXXXXX XXXX XXXX and account was closed and removed a few weeks later this company pops up seeking same debt that was removed as fraud this company needs to come off all 3 credit bureau reports

Company response to consumer: Closed with explanation