Sequium Asset Solutions, LLC

I am writing to report that my personal information is being used fraudulently and that inaccurate, unauthorized accounts and/or credit activity have appeared on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information and to have fraudulent items investigated and corrected or removed. I did not open, authorize, or incur the accounts listed, and I believe they are the result of identity theft. I request that the CFPB review this matter and assist in enforcing my rights under the FCRA, as the credit reporting agencies and furnishers have not corrected these errors despite my disputes. Thank you

Sequium sent me a written settlement offer to settle account # XXXX for {$310.00}. I paid {$390.00}, fully satisfying and exceeding the settlement terms. Sequium is now refusing to honor the settlement, claiming I was supposed to call them firsta condition not stated in the written offer. They are currently refusing to refund my {$78.00} overpayment and are still actively attempting to collect an additional balance on an account that should be settled at {$0.00}.

I am requesting your assistance in resolving a dispute involving XXXX XXXX and a collection agency regarding charges that I believe have never been properly substantiated. I was a XXXX customer for approximately 30 years. In late XX/XX/2025, I transferred my wireless service to XXXX XXXX XXXX after purchasing new devices through XXXX. My new phone and watch were activated on XX/XX/2025, and my XXXX XXXX was transferred. After the transfer, I no longer had access to my XXXX online account, leading me to reasonably believe that my account had been closed. I contacted XXXX and requested copies of my final bills. I was told they would be mailed to me. At no time during that conversation was I informed that any portion of my account remained open or that additional action was required to terminate my service completely. Later, I discovered additional charges. When I contacted XXXX, I was told that although my phone had been disconnected, my account had not been completely closed.…

SEQUIUM is attempting to collect and report an alleged XXXX debt in the amount of {$160.00} to XXXX XXXX XXXX XXXX. This alleged debt was previously disputed and removed from my credit reports. After its removal, SEQUIUM began reporting what appears to be the same alleged obligation. I dispute the accuracy of this account, the reported balance, and SEQUIUM 's authority to furnish this information. When I terminated my XXXX service, I understood my account to be paid and closed. I never received a final bill showing a remaining balance of {$160.00}. I also never received SEQUIUM 's initial written collection notice informing me of the alleged debt or my right to dispute it. I first became aware of SEQUIUM 's collection activity after reviewing my credit reports.…

I keep being harassed by this company for a debt i do not owe and with a company I have never done business with. They refused to provide me any mail to my mailing address or tell me where this information came from as it is fraudulent.

RE : Debt Validation Request FDCPA 809 ( b ) To Whom It May Concern, I am in receipt of your reporting of an alleged debt on my consumer credit report. I dispute this debt in its entirety and request validation pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ). Until proper validation is provided, you must cease collection activity, including furnishing information to any consumer reporting agency. Please provide the following : 1. The name and address of the original creditor 2. A copy of the original signed contract or application bearing my signature 3. A complete itemized statement showing how the amount was calculated 4. The date of first delinquency 5. Documentation showing you have legal authority to collect ( chain of assignment ) 6. Proof you are licensed to collect in my state 7.…

I dispute this alleged XXXX debt. I do not owe the amount being reported. In addition, the same alleged debt is being reported by both XXXX XXXX XXXX and Sequium Asset Solutions with the same balance, causing duplicate collection reporting. I request that the companies investigate the accuracy of the debt, correct any inaccurate information, remove any duplicate reporting, and provide any appropriate relief if they determine their reporting was inaccurate.

Re : Sequium Asset Solutions , LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Sequium was collecting an old debt owned by XXXX in the amount of {$530.00} ( reference number : XXXX ). We settled for {$230.00}. Each time I call, they confirm, " yes, '' you settled ; the account is closed, but they are refusing to email me documentation. This has been persisting over and over again. A representative today told me, " there is a 90 % chance you will receive the letter. '' How is this possible, when there is a 100 % chance we have agreed on a settlement and we agree that it is paid and the account is satisfied? Please, any help in enforcing the right to documentation would be greatly appreciated.

In XXXX of XXXX, I was a victim of mail theft. My replacement drivers license was stolen from my mail box and used to steal my identity and multiple credit cards were opened in my name. I disputed those credit accounts with the credit card agencies, and all accounts were closed and removed from my credit report. I filed for a credit freeze and credit lock with all three major credit reporting bureaus, these were granted. In and around XX/XX/XXXX, I began to recieve letters from XXXX XXXX XXXX with a bill for over {$1300.00}. The bills was not itemized. I have never been an XXXX XXXX XXXX customer. I have no knowledge of this expense. I filed a police report and sent a copy of the report and an affadavit stating I was a viticm of identity theft to XXXX XXXX XXXX but recieved no response. In XXXX of XXXX I noted a collection agency on my credit report, Sequium Asset Solutions was now attempting to collect the XXXX XXXX XXXX bill.…

On XX/XX/year>, both phonesspecifically XXXX XXXX XXXX XXXX XXXX XXXX physically returned to the XXXX retail store located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. XXXX successfully processed the return at that time under XXXX # XXXX and issued an official transaction confirmation proving a tax credit of - {$210.00}. Despite accepting the physical equipment and processing the return, XXXX failed to properly update its internal billing system, letting an invalid balance linger on Account # XXXX. XXXX has now wrongfully assigned this invalid balance to a third-party debt collector, Sequium Asset Solutions , LLC ( Reference # XXXX ), which is actively attempting to collect {$260.00} and threatening consumer credit health. This corporate negligence has caused severe distress, forced the expenditure of personal administrative hours managing a fraudulent debt, and directly threatens internal credit standing and the future consumer relationship with XXXX.

Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

I recently received a debt collection notice from Sequium Asset Solutions claiming that I owe {$3000.00} for an alleged XXXX XXXX account. This was the first time I became aware of this account or this alleged debt. I have been outside the United States for an extended period of time and only learned about this matter after receiving the collection notice. I did not open this XXXX XXXX account, I did not authorize anyone to open or use it on my behalf, and I do not owe this debt. I believe this account was opened fraudulently using my personal information. I dispute this debt in its entirety and request a full investigation by both Sequium Asset Solutions and XXXX XXXX. I also request validation of the alleged debt and all documents showing that I supposedly opened or authorized this account.…

I called on XX/XX/year> regarding the remaining line on my account because I switched my other XXXX lines to a new company, they stated it would cost {$30.00} per month. I received a notification saying my installments on my devices were paid off so I called asking why they were not unlocked, they stated because I owed a balance. I paid the balance which included additional money for the lines I did not have, the devices were unlocked but I continued getting charged for 3 lines when I only had 1 and they refused to fix it on their end, one representative admitted to seeing the mistake and fixed it but it was never resolved. When I received a bill in the mail I called in and requested the account being adjusted so I could pay, they stated they could not help because I did not have active lines.

Consumer Complaint I am submitting this complaint regarding an alleged debt that I continue to dispute because I do not believe I am responsible for it. Previously, I filed a complaint with the Consumer Financial Protection Bureau regarding collection efforts by Sequium Asset Solutions related to an allegedXX/XX/XXXX account associated with " XX/XX/XXXXXXXX. '' In response to that complaint, Sequium represented that : - My account had been placed into dispute. - Collection activity would cease until the debt was validated. - The matter would be escalated to XXXX XXXX for review. - Sequium had not reported the account to any consumer reporting agency. Despite those representations, my concerns have not been adequately resolved. I have consistently maintained that I do not recognize this alleged debt and have requested validation. I do not believe the account belongs to me, and I dispute any assertion that I am legally responsible for the balance.…

Im writing to file a complaint against SEQUIUM ASSET SOLUTIONS for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

I never received any kind of letter or mail about these people. Literally XXXX contact. I have no information on how to contact them either. They randomly ran my credit, then posted the same collection twice in a row and dropped my credit by XXXX points instantly. There is XXXX information linked to the collection as well. When i googled their name there is a bunch of duplicate sites and their reviews are 1 star. Everyone says the website is the wrong one and they are avoiding contact on the reviews. Now I'm worried that I am going to contact a fake website and they are just going to steal my identity if I try to get any information. They dropped my credit by XXXX points XXXX months ago. And to this day I've still received XXXX information from these people. I don't even know what the charge could be for. I pay all my stuff, the only loan I have is my car and my payments are about to be finished.…

I placed an order for a new phone line in an XXXX XXXX XXXX store on XX/XX/year>, XXXX XXXX XXXX declined the new purchase due to bad credit. Since then they have claimed I owe them for the phone line that they never provided me, and they have sent the alleged debt to collections. I never received any goods or services from XXXX XXXX XXXX, nor have I paid anything to XXXX XXXX XXXX for any phone lines on that account due to it never having been allowed due to bad credit.

I am filing this complaint against Sequium Asset Solutions , LLC ( Reference # XXXX ) regarding an invalid debt they are attempting to collect on behalf of XXXX ( Account ending in XXXX ). This debt consists of two invalid charges : 1. Equipment Charge : When I canceled my XXXX service, an XXXX technician came to my home. I presented the equipment for return. The technician refused to take it and left my premises without the equipment. I have been in possession of the equipment ever since. I have photographic documentation of the equipment including its serial number ( XXXX ) and XXXX address ( XXXX : XXXX ), which are tied directly to my XXXX account. The equipment charge is invalid because XXXX 's own technician refused to collect it. XXXX. XXXX XXXX XXXX XXXX : Throughout my subscription, XXXX repeatedly failed to deliver functional internet service. I made numerous service requests, each confirmed by email, over an extended period.…

On XX/XX/XXXX my account on XXXX was flagged by company Sequium in XXXX, GA. I have never used or heard of this company. I have a XXXX XXXX card that is showing i have a score of XXXX while my chase card ( the XXXX where the filed collection ) is still showing XXXX. My equifax is also reflecting XXXX. I have a balance of XXXX on mXXXX XXXX XXXX card and XXXX on my chase card. I am not sure why there would be a report of collection on the chase card when i have never made a late payment and i consistency pay well over the statement minimum. This collection claim has caused my credit score over XXXX points decrease. I have checked to ensure no new accounts were made, no fraud was charge and i still have a credit freeze over my accounts for safety measures.

Subject : Incorrect Credit Reporting XXXX Equipment Returned but Charged as Unpaid Complaint Summary : I am submitting a complaint regarding inaccurate credit reporting by XXXX related to equipment that was returned but is still being reported as an unpaid debt on my credit report. Company involved : XXXX Issue : XXXX is reporting a negative account/collection on my credit report for unreturned equipment. This information is incorrect. The equipment in question was returned, and I have proof of return in the form of a receipt and/or tracking documentation. Despite this, XXXX has continued to report the account as unpaid and delinquent to the credit bureaus.…

This CFPB complaint is also a formal request for debt validation to SEQUIUM ASSET SOLUTION under the Fair Debt Collection Practices Act ( FDCPA ) and a dispute of the accuracy and completeness of the account under the Fair Credit Reporting Act ( FCRA ). My attached letter outlines the documents required to lawfully validate the alleged debt, including the original signed agreement, proof of ownership or assignment, the purchase or transfer agreement, and a complete accounting of the balance. To assess the legal standing and enforceability of this debt, I have also requested the following : The Date of First Delinquency ( DOFD ), as recorded by the original creditor and used to determine default and charge-off status. The date the account was charged off. The date the account was acquired or assigned to SEQUIUM ASSET SOLUTION, along with any documentation confirming the nature of the transfer.…

Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide " certified mail '' with receipt displaying my signature. If not please delete account # XXXX as soon as possible from my account or I will have to take legal action.

XX/XX/year> Sequium Asset Solutions XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX RE : Account Number : XXXX To Whom It May Concern : I am writing regarding the above-referenced account that appears on my consumer credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, as amended by Regulation F ( 12 CFR Part 1006 ), I am requesting validation of this alleged debt. Please provide the following : The name and address of the original creditor. The amount of the alleged debt, including an itemization of interest, fees, and charges. Documentation establishing that I am legally obligated to pay this debt. Documentation showing your authority to collect this debt. The date of default and the date the account became delinquent. A complete payment history from the original creditor. Copies of any agreement bearing my signature that created the alleged obligation.…

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau Re : Request for Removal of Incorrectly Reported Medical Debt XXXX XXXX XXXX XXXX ( {$1300.00} ) To Whom It May Concern : My name is XXXX XXXX. I am submitting this complaint regarding a XXXX debt in the amount of {$1300.00} associated with XXXX XXXX XXXX XXXX XXXX that has been reported on my credit report despite the fact that the debt does not belong to me. This debt relates to my XXXX father, XXXX XXXX, not to me. Following my father 's XXXX on XX/XX/XXXX, I informed Sequium Asset Solutions, the debt collection agency, on XX/XX/XXXX, that this debt did not belong to me and that my father was XXXX. I informed the representative that I was not responsible for my father 's medical bills and that I did not have control over his finances or debts. Despite being notified of these facts, I continued to receive repeated phone calls and text messages seeking payment.…

The original creditor, XX/XX/XXXX ( managed by XXXX XXXX ), issued me an official, final Move Out Statement on XX/XX/year>. The cover letter explicitly states : 'There is not an amount due from you nor will an amount be refunded to you. ' While the ledger initially calculated a peak balance of {$1200.00} on XX/XX/year> due to baseline cleaning fees, the attached ledger shows that on XX/XX/year>, the creditor manually entered direct counter-entries to completely write off every single charge ( specifically Write Off Control Numbers XXXX, XXXX, XXXX, and XXXX ). The final line item of the ledger clearly concludes with a 'Balance XXXX '. Despite this official written-off balance, the third-party collection agency is pursuing me and reporting an invalid balance to the credit bureaus in violation of the FDCPA.…

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> Sequium Asset Solution Account Number XXXX Attn : Compliance Department RE : NOTICE OF DISPUTE, DEMAND FOR DEBT VALIDATION, CEASE AND DESIST, AND CREDIT REPORTING DISPUTE To Whom It May Concern : I am writing regarding the account you claim I owe. This letter serves as my formal notice that I dispute the validity, accuracy, and completeness of the alleged debt in its entirety. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), I demand that you provide competent evidence that I have a legal obligation to pay this alleged debt. Until such validation is provided, you must cease all collection activity. Specifically, I request the following : The name and address of the original creditor. A complete accounting of the alleged debt, including principal, interest, fees, and charges. Copies of any contract, agreement, application, or instrument bearing my signature.…

I am filing a complaint against Sequium Asset Solutions regarding the reporting and collection of an alleged debt that I dispute and believe was paid to the original creditor. I unclear why this company is on is on my credit profile and how this company fraudulently obtained my personal private information. I have no business dealing with this company. This alleged debt that this company is claiming i owed was already paid in full to the original creditor. Sequium Asset Solutions is attempting to collect an alleged debt that I dispute because the obligation was previously satisfied with the alleged original creditor. By continuing to represent that this debt remains due and owing, Sequium Asset Solutions may be misrepresenting the legal status and validity of the alleged debt. Under 15 U.S.C.…

I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX in XX/XX/year>. I took the XXXX XXXX XXXX to my home in XXXXXXXX XXXX and both didn't work ( XXXX XXXX ). I returned both to the same XXXX store on XX/XX/year> - the XXXX has recently confirmed this by email that in fact I returned it. XXXX stated the service still ran for XXXX months after I returned all the equipment and put me in collections with a XXXX party collection company. They also said they can not reverse the delinquency since the debt was sold and that if I need it to be, that I have to engage a lawyer with their legal department. I had the cellphone and wifi router for XXXX days and returned them both, I received a refund back on the card I used to purchase.…

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/year> Sequium Asset Solutions , LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX To Whom It May Concern : I am responding to your communication regarding the debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. Please provide : 1. The name and address of the original creditor. 2. The amount of the alleged debt, including any fees, interest, or charges. 3. Documentation showing that I am legally obligated to pay this debt. 4. Proof that your company has the authority to collect this debt. Until you provide the requested validation, I request that collection activities cease. Thank you for your attention to this matter. Sincerely, XXXX XXXX

I am disputing a rental debt that was later placed into collections and negatively reported to my credit file. I believe the amount is inaccurate, unfairly assessed, and was reported despite substantial documented dispute and conflicting lease language. My lease at XXXX XXXX ( managed by XXXX ) ended on XX/XX/year>. I fully paid rent, parking, and utilities through the lease end date and vacated the apartment on time in good condition. On XX/XX/year>, I informed property management in writing that I would not be renewing my lease. The property manager responded acknowledging my notice and thanking me for informing them. At no point was I told that my notice was insufficient, that additional action was required, or that I would incur an insufficient notice fee equivalent to approximately one months rent.…