Consumer complaint received 2024-10-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
On XX/XX/year> Sequium Asset Solutions submitted a debt collection to my credit without notifying me of the said debt nor providing any information relating to the debt. On XX/XX/year> I saw the debt reported to my credit and disputed it in writing via email per the call I had with a Sequium rep after being advised for the 1st time what it was for. The email sent can be found below. I never received a response via email or my home address and to my knowledge never a phone call as they had removed the debt shortly after. They violated my rights by not properly notifying me of the debt before reporting to a credit agency and then continued to violate my rights by not responding to my request for them to validate the disputed debt with the information requested below. They had 5 days to respond per requirement and never did. To this day I have never received return communications from them despite providing my address to them and my email address. Again they have placed this debt on my credit without my knowledge ( x2 ) and failed to take their required steps in pursuing this erroneous debt. 
********* Email sent to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Sequium Debt Collection XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX I am responding to your contact about a debt you are trying to collect. To date you have failed to present the debt to myself ( XXXX XXXX XXXX in writing to the address listed above or my preferred method of email ( XXXX ). Sequium identified the debt as pertaining to XXXX XXXX XXXX  under one account for the whole unit. I have informed you verbally and now in writing that I am not liable for damages the other tenant in the unit may have caused. Your company has negligently combined a sum bill for XXXX separate legal entities that lived in the unit under different lease contracts and no relation to each other. Dwelling A is not responsible for Dwelling B damages as they are separate contractual agreements and each tenant is only legally liable for the dwelling the aforementioned parties signed for on the stated agreement. You must provide proper documentation and proof of which damages were incurred by each client in their respective dwellings. Please also supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay when there are separate lease agreements for each person in the dwelling. 
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 
Tell me when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. 
Details about your authority to collect this debt. 
I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 
I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us. 
In addition to providing the information requested above, please let me know whether you are prepared to accept less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will accept to fully resolve the account.

Company response to consumer: Closed with non-monetary relief