Consumer complaint received 2022-10-12
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX XXXX Dear Sir You are being given a solid HE owes you XXXX XXXX and your XXXX XXXX XXXX debt XXXX company nothing based on the violations against the FDCPA and THE DODD - FRANK ACT AND CFPB YOU AND YOUR CREDIT COLLECTION COMPANY HAVE COMMITTED VIOLATIONS AGAINST MY PEOPLE, HIS NAME AND HIS CREDIT WORTHINESS WITH WILLFULL INTENT TO DAMAGE HIS NAME, HIS REPUTATION, AND CREDITBILITY AGAINST MY UNCLE. THIS IS YOUR ONLY WARNING PRIOR TO LAWSUIT FOR COLLECTORS VIOLATIONS OF THE FAIR DEBT COLLECTORS PROTECTION ACT XXXX XXXX XXXX XXXX COMPLIANCE TO DELETE ADVERSE, ERRONEOUS AND INCORRECT INFORMATION FROM THE ASSUMED CREDITORS REPORTS IS MANDATORY & IMMEDIATE! 
2001 US CODE 15 1692g VALIDATION ( NOT INVESTIGATION OR RE INVESTIGATION OF DEBTS THERE WAS NO INITIAL COMMUNICATION WITH ASSUMED CONSUMER 5 DAYS AFTER NO KNOWN CONTACT OR WRITTEN NOTICE OF ANY DEBT. WHICH IN TURN, CREATED THE VIOLATION AGAINST THE FAIR CREDIT REPORTING ACT AS WELL AS THE FAIR DEBT COLLECTION ACT. 
HARASSING OR ABUSIVE PRACTICES XXXX5 U.S.C. 1692d, CFPB, THE FTC, THE DODD-FRANK ACT , THE FACTA ACT YOU HAVE ALREADY VIOLATED THE HARASSMENT, OPPRESSION RULES WHY NOT JUST LITIGATE YOU NOW? 
ALONG WITH DEFAMATION, INJURY TO THE ASSUMED CONSUMERS CREDIT REPORTS WITH A GREAT PRESENT. YOU XXXX XXXX VIOLATED AND ENACTED LAWS DESIGNED BY THE FDCPA, FEDERAL RESERVE BOARD & 15 U.S.C. 1692 ET SEQ.

THERE WAS NO STATEMENT MAIL ELECTRONIC OR OTHERWISE THAT NOTIFIES THE ASSUMED CONSUMER OF ANY SUCH DEBT.1978 AMENDED BY FEDERAL LAW IN XX/XX/2021. SCARE TACTICS. OPPRESSIVE, DECEPTIVE AND ABUSIVE AND UNFAIR DEBT COLLECTION PRACTICES VIOLATION SELF SAME & AMENDED LAWS WILLFUL NON COMPLIANCE NEGLIGENT NON COMPLIANCE 15 US CODE SUBSECTION 602 CONGRESSIONAL RULES AND FINDINGS 15 US CODE 603 DEFINITIONS ; RULES OF CONSTRUCTION, 15 US CODE 604 PERMISSIBLE PURPOSE OF CONSUMER REPORTS, 15 US CODE SUBSECTION 616 WILLFUL NON COMPLIANCE, 15 US CODE SECTION 617 - CIVIL LIABILITY FOR NEGLIGENT NON COMPLIANCE AND 15 US CODE SECTION 619 OBTAINING INFORMATION UNDER FALSE PRETENSES. 
XXXX XXXX XXXX XXXX OF XXXX XXXX SOLUTIONS GAVE NO NOTICE XXXX XXXX XXXX GAVE NO WARNING. GAVE WAS NO NOTICE OF ASSUMED LIABILITY TO OR FROM ANY 3 RD PARTY CONTRACT OF AGREEMENT HAND - SIGNED WITH THE ASSUMED CONSUMERS OF AN ORIGINAL CONTRACT DOCUMENT FROM THE ASSUMED CONSUMER PER THE FDCPA. & THE CFPB. THEREFORE, THE COMPANY ALSO KNOWN AS THE SEQUIUM ASSET SOLUTIONS , LLC. IN WHICH THE XXXX - XXXX XXXX OWNS HAS VIOLATED & EMPLOYED HARMFUL AS WELL AS DECEIPTFUL VIOLATIONS OF FEDERAL LAWS OF THE CFPB AS WELL AS THE FDCPA BY NOT NOTIFYING THE ASSUMED CONSUMER BY NOT SENDING ANY MAIL NOTIFICATION TO ANY CREDIT BUREAU NO MAIL OR CONSENT GIVEN BY ASSUMED CONSUMER NO INITIAL WRITTEN VALIDATION. XXXX XXXX XXXX FAILED & AND VIOLATED THE LAW WITH WILL NON COMPLIANCE AS WELL AS NEGLIGENT NON COMPLIANCE BECAUSE XXXX XXXX XXXX XXXX NEEDED TO OPPRESS, FRIGHTEN AND SCARE THE ASSUMED CONSUMER INTO INVOLUNTARY, AND COMPLETE SERVITUDE. WITH FEAR TO ACQUIRE AND ADVERSE RESPONSE. 
1692e ( 8 ) FALSE OR MISLEADING REPRESENTATIONS THE COMPANY DOING BUSINESS AS XXXX XXXX SOLUTIONS, XXXX XXXX - XXXX XXXX VIOLATED THE ( FDCPA ) BY COMMITING IDENTITY THEFT, BY HARASSING, OPPRESSING, DAMAGING THE ASSUMED CONSUMERAND STRIPPING THE CREDIT POINT OF THE ASSUMED CONSUMER IN ORDER TO GAIN ACCESS TO INFORMATION FROM THE ASSUMED CONSUMER TO VALIDATE INFORMATION THROUGH ABUSE, ANNOYANCE OF ASSUMED PERSON OR ANYONE ELSE THEY CONTACT. THIS PRACTICE WAS BANNED BY THE CFPB & IS ALSO DESIGNATED AS A BANNED PRACTICE BY THE ( FDCPA ). 
1 ) 1692g ( b ) 15US CODE 1692g SEQUIUM ASSET SOLUTIONS XXXX XXXX XXXX DID NOT DISCLOSE THE INFORMATION ON THE ORIGINAL CREDITOR WHICH CONSTITUTES A VIOLATION OF THE FAIR DEBT COLLECTORS PRACTICES ACT.

1692g ( a ) ( 1 5 ) SEQUIUM ASSET SOLUTIONS , LLC. 
C/O XXXX - XXXX XXXX XXXX XXXX FDCPA BY NOT NOTIFYING THE ASSUMED CONSUMER BY NOT SENDING ANY NOTIFICACTION NO INITIAL WRITTEN VALIDATION. 
SEQUIUM ASSET SOLUTIONS , LLC. 
( 4 ) C/O XXXX - XXXX XXXX VIOLATED THE FDCPA BY BREACHING THE ASSUMED CONSUMERS CREDIT REPORTS AND CLAIMING TO BE THE OWNER BY CRIMINAL IDENTITY THEFT BY POSTING ADVERSE INFORMATION WITHOUT IDENTIFYING ORIGINAL CREDITOR TO GAIN ACCESS TO PRIVATE CONTACT INFORMATION. IN DOING SO, THE COLLECTOR CEO XXXX XXXX DOING BUSINESS AS SEQUIUM INTENTIONALLY, WILLFULLY, NEGLEGENTLY WITH INTENTIONAL ACTION OF FULL MALICE INFLICTED HARM AS WELL AS DEFAMED, & WILLFUL NON COMPLIANCE THE ASSUMED CONSUMER. 
SUBSECTION 1692f. UNFAIR PRACTICES A DEBT COLLECTOR MAY NOT USE UNFAIR OR UNCONSCIONABLE MEANS TO COLLECT OR ATTEMPT TO COLLECTANY DEBT. WITHOUT LIMITING THE GENERAL APPLICATION OF THE FOREGOING, THE FOLLOWING CONDUCT IS A VIOLATION OF THIS SECTION : ( 1 ) THE COLLECTION OF ANY AMOUNT ( INCLUDING ANY INTEREST, CHARGE OR EXPENSE INCIDENTALTO THE PRINCIPAL OBLIGATION ) UNLESS SUCH AMOUNT IS EXPRESSLY AUTHORIZED BY THE AGREEMENT CREATING THE DEBTOR PERMITTED BY LAW. 
( 2 ) THE ACCEPTANCE BY THE DEBT COLLECTOR FROM ANY PERSON OF A CHECK OR OTHER PAYMENT INSTRUMENT POSTDATED BY MORE THAN FIVE DAYS UNLESS SUCH PERSONIS NOTIFIED IN WRITING OF THE DEBT COLLECTORS INTENT TO DEPOSIT SUCH CHECK OR INSTRUMENT NOT MORE THAN TEN OR LESS THANTHREE BUSINESS DAYS PRIOR TO SUCH A DEPOSIT. 
( 3 ) THE SOLICITATION BY A DEBT COLLECTOR OFANY POSTDATED CHECK OR OTHER POSTDATED PAYMENT INSTRUMENT FOR THE PURPOSE OF THREATENING OR INSTITUTING CRIIMINAL PROSECUTION. 
SEQUIUM ASSET SOLUTIONS , LLC. 
( 5 ) C/O XXXX - XXXX XXXX XXXX XXXX FDCPA BY UTILIZING FEAR, DURESS, INVOLUNTARY SERVITUDE, SUBJUGATION, AND FAILURE TO VALIDATE INFORMATION SUBMITTED THROUGH INDENTITY THEFT CASE NUMBER TO FOLLOW. 
TO BE ENTERED AT A TIME OF MY CHOOSING. YOU ARE OUT OF JURISDICTION YOU SEQUIUM ASSET SOLUTIONS , LLC. 
C/O XXXX - XXXX XXXX OBVIOUSLY EXTENDED YOUR REACH THROUGH DURESS, DAMAGING PRIVATE CREDIT REPORTS BY IDENTITY THEFT & INTENTIONAL WILLFUL NON - COMPLIANCE, CIVIL LIABILITY FOR NEGLECTFUL NON COMPLIANCE, IDENTITY THEFT OF PRIVATE PERSONAL INFORMATION. 
THESE ACTIONS CONSTITUTE VIOLATIONS OF NOT ONLY OF FEDERAL FCRA, XXXX XXXX XXXX XXXX. ALSO VIOLATED FAIR DEBT COLLECTORS PROTECTIONS ACT FEDERAL LAW BY NOT GIVING ANY NOTIFICATION COMMITING WILLFUL & NEGLIGENT NON- COMPLIANCE UNDER BOTH FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTOR PRACTICES ACT THIS IS TO REMIND YOU BECAUSE OF HIS PROTECTED STATUS, THE ASSUMED CONSUMER DISPUTES ANY AND ALL DEBTS YOU CLAIM HE OWES YOU. 
CEASE AND DESIST ALL ACTIONS IN ANY FORM. ACCORDING TO 15 US CODE 1681 A4 CONSUMERS RIGHT TO PRIVACY, INJURY BY IDENTITY THEFT COMMITTED BY THE 3 CREDIT BUREAUS WITHOUT HIS CONSENT. YOU WILL DELETE THIS ERRONEOUS, INCORRECT, INACCURATE ACCOUNT FROM HIS PRIVATE CREDIT REPORTS IMMEDIATELY. 
15 US CODE 1681 A3 UNDER FEDERAL FCRA LAW, ANY MEDICAL COLLECTIONS CHARGE OFFS, SHOULD NOT BE REPORTED TO HIS CREDIT REPORTS.

15 US CODE 1681IA ( 1.A ) ANYONE DISPUTING ANY ACCOUNT THAT BY FEDERAL LAW ( which is the law of the united states government XXXX THEREFORE, THE ACCOUNT HAS TO BE REMOVED FROM ALL CREDIT REPORTS WHILE UNDER INVESTIGATION!

Company response to consumer: Closed with explanation