Consumer complaint received 01/31/2018 about Debt collection (Other debt) with Sequium Asset Solutions, LLC (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This complaint is to address an allegation against a collection agency known as Sequim Asset Solutions. LLC aka XXXX XXXX XXXX, located at known address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX.

VIOLATION : Sequim Asset Solutions, LLC has reported an adverse collection in a different name as XXXX XXXX XXXX at the same address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. Therefore, this is a violation of U.S.C. Title 15 807 ( a ) ( b ) ( 14 ). False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 14 ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization.

VIOLATION : This agency is in violation of U.S.C. Title 15 809 ( b ) ( 4 ) and 809 ( 5 ) ( b ) of the fair debt collection practices act that states any collection activities and communication during the 30-day may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address.

VIOLATION : This agency has violated my right to dispute under the 30-day window which I have the right to dispute under Rule of Laws. This agency by reporting adverse information to the credit bureau the account known as XXXX placed for collection on XX/XX/XXXX and updated XX/XX/XXXX.

VIOLATION : I was notified by letter from the collection agency known as Sequim Asset Solution. LLC about their attempt to collect a debt letter date XX/XX/XXXX, XX/XX/XXXX in addition to their attempt to collect their XX/XX/XXXX letter also stated that this matter will not be reported to a credit reporting agency until day validation notice has expired or validation has sent to me VIOLATION : Please note the timeline that this agency reported the account they reported an adverse action to the credit bureaus versus the date on the letter they mailed too me. The timeline of my response was within the 30-day window. Therefore, I was exercising my right in accordance with Fair Debt Collection Practices U.S.C. Title 15 809 ( b ) by responding in writing and mailing them via-certified return receipt.

In addition, I received a letter dated, XX/XX/XXXX from this collector referencing my dispute by sending me a copy of wireless statement new charges of {$57.00} dated XX/XX/XXXXthis statement was from the creditor ( XXXX XXXX XXXX XXXX  ). This account was already closed as of XX/XX/XXXX all terms and conditions were satisfied in accordance with my XXXX XXXX XXXX   contract.

Also, I have exercised my option accordance with the term and conditions of my XXXX XXXX XXXX  Contract to dispute all new charges that have been dated after that account was closed. However, I never received a response from XXXX XXXX XXXX but was sent to collections as per this aforementioned complaint.

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