Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XX/XX/year> Sequium Asset Solutions XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Dispute of Alleged Debt and Demand for Immediate Legal Compliance To Whom It May Concern, I am writing to formally dispute the validity of the alleged debt reported by your company and to bring to your attention serious violations of the Uniform Commercial Code ( UCC ) that apply to this matter. Under the Fair Debt Collection Practices Act ( FDCPA ) and relevant UCC provisions, you are required to take immediate corrective action. 

1. Violation of UCC 3-604 Discharge by Cancellation or Renunciation Pursuant to UCC 3-604 , a debt is discharged when the creditor, through an intentional act such as marking it as canceled or by failing to enforce collection within legal timeframes, has effectively relinquished their right to collect. If the original creditor or any prior holder of this debt has canceled, settled, or otherwise relinquished their rights, your attempt to collect is unlawful. I demand that you provide proof that this debt remains enforceable and has not been discharged by prior agreements, settlements, or legal time constraints. 

2. Violation of UCC 3-605 Discharge of Indorsers and Accommodation Parties Under UCC 3-605 , if any modifications have been made to the terms of the original debt without my express consent, or if the original creditor released any co-signers, guarantors, or other liable parties, this debt may no longer be enforceable against me. I demand full documentation of all agreements, modifications, and any endorsements that establish a continuing legal obligation on my part. Failure to provide this documentation will confirm that your claim lacks legal standing. 

3. Immediate Legal Obligations Under FDCPA and UCC Pursuant to 15 U.S.C. 1692g ( b ) ( FDCPA ), you are required to provide full validation of this debt, including a copy of the original agreement, payment history, and proof of ownership of the debt. Until this validation is provided, you must cease all collection efforts immediately, including reporting this debt to any credit bureaus. 

Failure to comply with this dispute request and continued collection attempts without proper validation will be considered a willful violation of federal and state laws, and I will pursue all available legal remedies, including complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

Final Demand You are hereby instructed to : 1. Provide all legally required documentation validating the alleged debt within 30 days of receipt of this letter. 
2. Immediately cease and desist all collection efforts until full validation is provided.

3. Remove any inaccurate or unverifiable reporting of this debt from my credit report. 

Failure to comply with these demands will result in legal action. Please provide all correspondence in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief