Product: Debt collection

I recently noticed a collection in the amount of {$62.00} from XXXX on my credit report. I immediately contacted XXXX and asked for information regarding this debt. I was told by XXXX that they could not speak with me regarding the debt as it has been discharged to a collection agency. They then provided the contact information for the agency Sequium. 

Upon contacting Sequium, I explained that I have no records of owing this debt and never received any correspondence indicating such. I then received an email which I have enclosed in this complaint. The email states : Hello XXXX XXXX XXXX, XXXX XXXX, Thanks you for giving this matter the attention it deserves. We want to make sure you are fully informed of the account information and of all of our convenient ways to pay. 

You can review your account online at pay.sequium.com. Please use XXXX as your reference number to log in. Our website has many options, you can make one time partial payments, set up a custom payment arrangement to pay over time, or pay the balance in full. 

If you feel more comfortable talking to a person, do not hesitate to call us! We have friendly representatives ready to assist you Monday through Friday during business hours. Please call us at XXXX. 

Or you can respond to this email with your own plan and we will help set that up for you! 

If the reader of this message is not XXXX XXXX XXXX you are hereby notified that any review, dissemination, distribution, use, or copying of this message is strictly prohibited. If you have received this message in error, please notify us immediately by e-mail at XXXX and permanently delete this message and your reply to the extent it includes this message. 

pay.sequium.com Sequium Asset Solutions , LLC XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX To opt out of receiving future email communications, click here to Unsubscribe THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. 

I then send an email on XX/XX/2024 requesting the validation of this debt, and it reads as follows : Reference XXXX. I do not recognize this debt. I am requesting the original contract bearing my signature to validate this debt. I am also requesting the payment history from the original creditor to show all payments made on this account. Please provide the address and phone number for the original creditor. Also, I am requesting proof of ownership whereas youve been assigned this debt and have legal jurisdiction to collect on this debt. Please send all requested information to address on file. Please cease all collection practices including any credit reporting immediately. 

I then receive an email replay that states : Thank you for your email! Please allow up to three business days for your communication to be processed. * If you require immediate assistance, please do not hesitate to contact us via phone during normal business hours. 


This communication is from a debt collector. 

*For communication which may fall within one day before or after a U.S. Federal Holiday, however, please allow up to five business days for your communication to be processed. 
CONFIDENTIALITY NOTICE : This e-mail communication and any attachments may contain proprietary and privileged information for the use of the designated recipients named above. Any unauthorized review, use, disclosure or distribution is prohibited. If you are not the intended recipient, please contact the sender by reply e-mail and destroy all copies of the original message. 

On XX/XX/XXXX, I receive the billing history of 10 days and nothing more. Still no proof of debt ownership, no contract for services bearing my signature, no proof of Sequium being assigned the debt and no proof of legal jurisdiction to collect the debt. Nothing that I legally within right requested other than the bill which is not indication of legal ownership. 

I also disputed this debt with the credit bureaus XXXX and XXXX as well as with Sequium. The debt has not been validated nor proved to belong to me as XXXX refused to supply me with the proper original agreement with my signature as requested. They are illegally reporting this account to the credit reporting agencies as I was never billed/received a bill to dispute.