Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : XX/XX/year> Sequium Asset Solutions , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Re : Formal Debt Validation Request Notice of Dispute Account in Dispute : Sequium XXXX Solutions Account # XXXX {$340.00} To Whom It XXXX Concern, I am in receipt of your recent communication regarding an alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I am formally disputing this debt and demanding full, strict, and complete validation. I do not acknowledge this debt, and I require verifiable proof that Sequium Asset Solutions has legal standing to collect or report it.

Under UCC 8-102 ( a ) ( 15 ), if this alleged debt has been securitized, transferred, or sold into any trust or asset-backed entity, then Sequium XXXX Solutions is not XXXX XXXX owner and lacks standing to collect. 

Furthermore, XXXX XXXX of the XXXX XXXX of Evidence requires the original contract bearing my signature to prove any alleged obligation. Billing statements, screenshots, summaries, or system printouts are not legally acceptable validation. 

Because I dispute this alleged account, I am demanding the following documentation : 1. Proof of Ownership & Legal Standing The original signed contract with my signature.

A full chain of title, including all bills of sale and assignment agreements.

The complete purchase agreement between the original creditor and Sequium Asset Solutions.

2. Full Debt Validation & Accounting A detailed, itemized accounting explaining how the alleged balance of {$340.00} was calculated.

A ledger showing principal, interest, fees, payments, and charge-offs.

Proof the claimed balance is accurate, lawful, and collectible.

3. Securitization Verification Written confirmation whether this alleged debt was securitized or included in any asset-backed security.

The name of any trust, fund, or SPV associated with the account.

Copies of any Pooling and Servicing Agreements or trust documents ( if applicable ).

4. Authorization to Collect A copy of your Illinois debt collection license.

Documentation proving authorization from the original creditor.

The full name and contact information of the original creditor.

5. Consumer Rights Compliance A copy of any Notice of Assignment.

Copies of all letters, notices, or communications you claim were previously sent to me.

Copies of any arbitration agreements or jurisdiction clauses tied to this account.

LEGAL NOTICE Until you provide every document requested above, I do not acknowledge any liability for this alleged debt. You are required under 15 U.S.C. 1692g ( b ) to immediately cease all collection activity until full validation is supplied.

Providing billing statements or internal printouts as validation is a violation of federal law.

Under 15 U.S.C. 1692e ( 8 ), you must report this account as disputed to all consumer reporting agencies.

If you can not validate : You must delete this account from all credit bureaus, You must cease all collection activity, and You must send written confirmation that the account has been permanently removed from your system.

Failure to comply will result in complaints filed with the CFPB, FTC, and the Illinois Attorney General, and may result in civil legal action for violations of FDCPA and FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with non-monetary relief