Consumer complaint received 2020-03-08
Company: Sequoia Financial Services
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is written in response to inaccurate derogatory trade lines illegally written upon my credit by Sequoia Financial Services.IThis 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. 

This letter memorializes communicating ( as documented ) with Sequoia Financial Services its counterparts, and or subsidiaries, but not limited to a 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 to Sequoia Financial Services, its counterparts, and or subsidiaries, but not limited to, by easily accessed formal reports made with : FTC ; CFPB ; XXXX  ; XXXX ; XXXX. 

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

I DOES 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 XXXX XXXX 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