Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Sequium Asset Solutions, LLC
State: VA

Complaint narrative:
RE : Dispute of Alleged Account XXXX To Whom It May Concern : This letter is a formal dispute of the above-referenced account, which you are currently attempting to collect. I dispute the validity and the amount of this debt in its entirety.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I also demand that you provide me with competent and verifiable evidence that I have a legal obligation to pay you, and that you have a lawful right to collect this alleged debt.

1. Request for Validation and Assignment Contract As part of this debt validation, I specifically request that you provide a copy of the contract or other instrument that created the original obligation, demonstrating my agreement to the debt. Furthermore, I demand you provide a copy of the written assignment or bill of sale agreement that grants XXXX XXXX XXXX, XXXX the legal authority to collect this specific alleged debt. This document must clearly show the chain of title from the original creditor to your company, including all prior assignors, and must confirm that the specific account in question was included in the bulk sale or assignment. 
Please also provide a detailed and itemized accounting of how the amount you are attempting to collect was calculated.

2. Permissible Purpose for Credit Reporting If you have reported, or are reporting, this disputed account to any consumer reporting agency, you are required under the FCRA to have a permissible purpose and to ensure the information is accurate. The continued reporting of an account that is formally disputed and for which proper validation has not been provided may constitute a violation of the FCRA. You are hereby on notice that the information is disputed.

3. Cease and Desist Communication Furthermore, pursuant to 15 U.S.C. 1692c ( c ) of the FDCPA, I hereby revoke any permission you may claim to have to contact me by telephone. This is a formal demand that you cease and desist all telephone communication with me, my family, my place of employment, or any other third party regarding this alleged debt. All future communications must be conducted in writing and sent to the address listed in this letter.

Be advised that I am keeping detailed records of all correspondence and interactions regarding this matter. If you fail to comply with the FDCPA and FCRA requirements, including but not limited to the provision of proper validation and the cessation of telephone communications, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and your states Attorney General, and will pursue all available legal remedies, including a private right of action for violations of the FDCPA and FCRA.

I expect to receive your written response, including the requested validation and assignment documentation, within 30 days of your receipt of this letter as required by the FDCPA. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief