Consumer complaint received 2019-12-08
Company: Sequoia Financial Services
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Sequoia Financial Svs. continues to report inaccurate information to XXXX  and XXXX. They CLAIM that all information is properly reported to credit bureaus in compliance with the FCRA and FDCPA and that accounts were validated. I continue to challenge the accuracy, compliance and reportability of alleged medical debts. The truth of the matter is that information sent by Sequioa DO NOT validate 2 collection medical accounts that they continue to report to credit bureaus. Billing statements they sent that supposedly document 2 collection accounts on alleged XXXX medical debts ( dated XX/XX/XXXX and XX/XX/XXXX ) refer to XXXX medical services paid for by my medical insurance. ONE documentation that Sequioa sent dated XX/XX/XXXX bearing an e-digital signature that they claim is my signature do not validate alleged medicate debt dated XX/XX/XXXX because such digital signature is not mine. I do not consent to e-digital or automated verification since in this information age, it is easy to create a false billing statement and documentation. The actual documentation, a copy of which goes to the patient, DID NOT BEAR my signature. I have requested copies of evidence bearing my signature. They have failed to furnish. Failed to provide any documentation for alleged medical debt of XX/XX/XXXX bearing my signature and failed to provide proof that they own the debt. In fact, medical account indicates a zero balance. Thus, such information should not be reported to credit bureaus, and therefore Sequioa is in violation of the FCRA, FDCPA, and the Rosenthal FDCPA Civil Code 1788.13.f. Also, according to the RFDCPA Civil Code 1788.13.e,  Sequioa is in violation of this law by adding interest charges to the alleged debts which is an unfair and deceptive practice. In addition, Sequioa sent me a bill to pay alleged debts although statute of limitations for ANY CONSUMER LIABILITY has long passed. Because of the age of alleged debts ( 6 years, 4 months ), by law, in 8 months, alleged debts can no longer be reported to credit bureaus, and credit bureaus can not report in credit file. 

I wrote Sequioa Financial Svcs a second time requesting documentation bearing my actual signature and to RECORD the dispute with credit bureaus while they have the 30-day grace period to respond per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). I formally request that this inaccurate information be  immediately deleted from my account credit file and all credit bureaus. I have kept record of their actions, including their Method of Verification. They have failed to comply with the law and as such Failure to respond satisfactorily within 30 days of receipt of the letters sent may result in a small claims action against Sequoia Financial Svcs, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Violations of the FCRA and RFDCPA.

Company response to consumer: Closed with explanation