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 Equifax, TransUnion, Experian, and XXXX 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 / XXXX FIN SVCS. 



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

Equifax XXXX. Account # XXXX ( 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} XXXX. Account # XXXX ( Opened XX/XX/XXXX ) Status : Unpaid Status Updated : XX/XX/XXXX Balance Updated : Undisclosed Alleged Original Balance : {$96.00} | Current Balance : {$130.00} XXXX  XXXX. Account # XXXX ( 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} XXXX. Account # XXXX ( 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 : XXXX U.S.C. XXXX ( b ) : Failure to maintain maximum possible accuracy. 
XXXX U.S.C. XXXX ( a ) : Failure to reinvestigate disputed or conflicting information. 
XXXX U.S.C. XXXX ( b ) : Failure to correct or delete inaccurate data after notification. 
XXXX U.S.C. XXXX & XXXX : False, misleading, or unfair representation by Sequoia XXXX/ XXXX  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 XXXX. Provide full XXXX XXXX XXXX Verification ( XXXX  ) responses for both accounts from all three bureaus and Sequoia XXXX XXXX. 
XXXX. Immediately delete all inaccurate, outdated, and inconsistent tradelines. 
XXXX. Issue payment for statutory damages under the FCRA and FDCPA as detailed below. 



Statutory Damages Allocation Entity | Violations | Statutory Basis | Amount Owed XXXX  | XXXX ( Failure to report data consistently across XXXX ) | FCRA XXXX ( b ), XXXX ( a ) | {$2000.00} XXXX  | XXXX ( Inaccurate & outdated status reporting ) | FCRA XXXX ( b ), XXXX ( a ) | {$2000.00} TransUnion | XXXX ( Incomplete and misleading data reporting ) | FCRA XXXX ( b ), XXXX ( a ) | {$2000.00} Sequoia XXXX XXXX / XXXX FIN SVCS | XXXX ( False furnishing & unfair collection ) | FDCPA XXXX, XXXX | {$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 XXXX U.S.C. XXXX and XXXX. 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 XXXX business days. 


Notice of Intent to Sue If written confirmation of corrections, XXXX  responses, and full compensation totaling {$8000.00} are not received within XXXX 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 XXXX U.S.C. XXXX ( b ) for willful noncompliance.

Company response to consumer: Closed with explanation