Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequoia Financial Services
State: AZ

Complaint narrative:
Dear XXXX XXXX XXXX and Sequoia XXXX XXXX XXXX Sequoia Financial Services, This email serves as a final demand and notice of intent to sue under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) for inaccurate, inconsistent, and incomplete reporting related to XXXX XXXX XXXX accounts furnished by Sequoia XXXX XXXX / SEQ FIN SVCS. 



Reporting Inconsistencies XXXX  No record present. 
XXXX  fails to report either account appearing on XXXX  and XXXX. This constitutes omission of data and inconsistency across nationwide consumer reporting agencies, violating 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( failure to maintain accuracy and uniformity ). 

XXXX  1. Account # 1 ( Opened XX/XX/XXXX ) Status : Paid ( still showing on report ) Status Updated : XX/XX/XXXX Balance Updated : XX/XX/XXXX Alleged Original Balance : {$120.00} | Current Balance : {$0.00} 2. Account # 2 ( Opened XX/XX/XXXX ) Status : Unpaid Status Updated : XX/XX/XXXX Balance Updated : Undisclosed Alleged Original Balance : {$96.00} | Current Balance : {$130.00} XXXX  1. Account # 1 ( Opened XX/XX/XXXX ) Status : Undisclosed Status Updated : XX/XX/XXXX Balance Updated : XX/XX/XXXX Alleged Original Balance : {$120.00} | Current Balance : {$0.00} 2. Account # 2 ( Opened XX/XX/XXXX ) Status : Undisclosed Status Updated : XX/XX/XXXX Balance Updated : XX/XX/XXXX Alleged Original Balance : {$96.00} | Current Balance : {$130.00} Violations These discrepancies demonstrate inconsistent reporting, failure to update accurately, and furnishing of misleading data. 
Violations include : 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failure to reinvestigate disputed or conflicting information.

15 U.S.C. 1681s-2 ( b ) : Failure to correct or delete inaccurate data after notification.

15 U.S.C. 1692e & 1692f : False, misleading, or unfair representation by Sequoia XXXX/ SEQ FIN SVCS. 

The ongoing presence of a paid account, inconsistent balances, and differing statuses across bureaus constitute negligent or willful noncompliance, producing measurable harm to my credit reputation. 



Demands 1. Provide full Automated Consumer Dispute Verification ( ACDV ) responses for both accounts from all three bureaus and Sequoia XXXX XXXX. 
2. Immediately delete all inaccurate, outdated, and inconsistent tradelines.

3. Issue payment for statutory damages under the FCRA and FDCPA as detailed below.

Statutory Damages Allocation Entity | Violations | Statutory Basis | Amount Owed XXXX  | 2 ( Failure to report data consistently across CRAs ) | FCRA 1681e ( b ), 1681i ( a ) | {$2000.00} XXXX  | 2 ( Inaccurate & outdated status reporting ) | FCRA 81681e ( b ), 1681i ( a ) | {$2000.00} XXXX  | 2 ( Incomplete and misleading data reporting ) | FCRA 1681e ( b ), 1681i ( a ) | {$2000.00} Sequoia XXXX XXXX / SEQ FIN SVCS | 2 ( False furnishing & unfair collection ) | FDCPA 1692e, 1692f | {$2000.00} Total Due Immediately | {$8000.00} Please note that removal or correction of the disputed information after the violation does not cure or extinguish liability under 15 U.S.C. 1681n1681o and 1692k. Statutory damages for each violation are due and payable regardless of subsequent deletion. This communication constitutes formal notice that I will pursue full statutory recovery and attorneys fees if settlement is not reached within 10 business days.

Notice of Intent to Sue If written confirmation of corrections, ACDV responses, and full compensation totaling {$8000.00} are not received within 10 business days ( by XX/XX/XXXX ), I will pursue civil action in XXXX XXXX Court seeking : Statutory and actual damages ; Attorneys fees and court costs ; Punitive damages under 15 U.S.C. 1681n ( b ) for willful noncompliance.

Company response to consumer: Closed with explanation