Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I received a total amount due XXXX and then requesting - XXXX $ On XX/XX/XXXX On XX/XX/XXXX I requested a debt validation request and formal letter. 

XXXX XXXX XX/XX/year> XXXX XXXX Attn : Customer Service/ Collections Department Re : Debt Validation Request To Whom It May Concern, I am writing in response to your recent attempt to collect a debt that you claim I owe, associated with said account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt and additional documentation for your records.

Please provide the following : Proof that I owe the debt : A copy of the original bill or contract demonstrating the amount owed.

The name and contact information of the original creditor : Please provide XXXX contact details and any documents showing that you have the legal authority to collect on behalf of the original creditor.

An itemized breakdown of the amount owed : A clear, itemized statement that includes the charges, fees, interest, or any other costs that make up the total amount.

Proof of legal authority to collect : Documentation that verifies you are legally entitled to collect this debt and the full details of your authorization to act on XXXXXXXX XXXX behalf. 

Additionally, I request that all collection activities cease for 30 days while I investigate this information. This includes phone calls, letters, and any other form of communication, except for providing the requested validation documents.

I also request that this debt be reported to the credit bureaus as disputed while this investigation is ongoing.

Please note that I am documenting all communications with your office, and if you continue to engage in any collection activity without proper validation or violate any aspects of the FDCPA, I will be forced to report the issue to the appropriate authorities.

I look forward to your prompt response to this request. Please send all documentation to the address listed above.

Thank you for your attention to this matter. 

Sincerely, XXXX XX/XX/XXXX they sent another private letter just requesting money - no validation - also not fulfilling their legal obligations XX/XX/XXXX I sent a failure to validate said debt Sequium XXXX XXXX Re : Failure to Validate Debt Cease and Desist To Whom It May Concern, On XX/XX/year>, I requested validation of the alleged debt you claim I owe, pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Instead of providing proper validation, you responded on XX/XX/year> with another demand for payment. 

This does not satisfy your legal obligation to provide validation. Continuing collection activity without first providing the requested documentation is a violation of the FDCPA.

To be clear, I dispute this debt. Until you provide full validation including proof that I owe the debt, an itemized statement of the balance, and evidence of your legal authority to collect you must cease all collection activities. Additionally, you are required to report this account as disputed to all credit reporting agencies.

If you continue collection efforts without proper validation, I will have no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. I will also consider pursuing my rights in civil court.

Please govern yourself accordingly. 

Sincerely, XXXX XX/XX/XXXX They sent another letter stating Good Day, Please be advised that Sequium Asset Solutions , LLC does not own this debt but instead is a debt collector collecting on behalf of XXXX XXXX. Your account was placed with our office to collect a debt due to them. Attached please find for your review supporting documentation concerning the debt. We have marked your account as cease and desist. We will cease communication with you concerning the acconut in question. 

If this resolves your concerns, you may visit pay.sequium.com to view available payment plan options and to make a payment using your debit/credit card or checking account. Please use XXXX as your reference number to log in. You may also feel free to reach out to Sequium at XXXX if you need additional payment options. 

This communication is from a debt collector. 


A. Case Admin Representative XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX STILL REQUESTING PAYMENT JUST THROUGH PRIVATE MESSAGE!

Company response to consumer: Closed with non-monetary relief