Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
AFFIDAVIT OF DISPUTE, FORMAL NOTICE OF IDENTITY THEFT, DEMAND FOR IMMEDIATE DELETION, DEBT VALIDATION & FAILURE TO INVESTIGATE Consumer : XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX DISPUTED ACCOUNTS Collection Account : Sequium Asset Solutions, L ( Original Creditor : XXXX ) Account Number : XXXX XXXX Balance : {$340.00} Child Support Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ( Paid/Satisfied ) I. IDENTITY THEFT & XXXX  DATA BREACH FCRA XXXX05B I am formally disputing inaccurate and fraudulent information appearing on my consumer credit report. My personal identifying information was exposed in the XXXX  data breach, which included my name, Social Security number, date of birth, and address.

As a direct and foreseeable result of this breach, accounts that I never opened, authorized, or consented to have appeared on my credit report. I am a verified victim of identity theft, and these accounts are not mine. 
Pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ), identity-theft-related information must be blocked and deleted immediately once notice is received. Continued reporting after notice constitutes willful non-compliance.

II. FRAUDULENT COLLECTION ACCOUNT SEQUIUM ASSET SOLUTIONS, L I am disputing a fraudulent collection account currently being reported by Sequium Asset SolutionsXXXX XXXX originally associated with XXXX , which has been sold from one debt collector to another without my consent or authorization.

The original debt collector previously deleted this account, establishing that the debt was fraudulent and unverifiable.

Despite this, the same alleged debt has been resold and re-reported, which is outrageous, abusive, and unlawful.

I never consented to the use of my personal information, never entered into any contract, and never authorized any creditor or debt collector to collect on this alleged account.

This repeated resale of the same unverified debt is materially harming my creditworthiness and violates federal consumer protection laws.

III. DEBT VALIDATION DEMAND FDCPA 1692g Pursuant to 15 U.S.C. 1692g, I am formally demanding full debt validation. You are required to provide the following : A complete, itemized payment history from account origination The original contract or application bearing my legal wet signature Proof I agreed to and authorized this alleged debt Disclosure of any insurance claim, bond claim, or tax write-off filed The complete chain of title, including all assignments, transfers, and proof of lawful custody granting authority to collect Absent this documentation, the alleged debt is unenforceable and must be deleted immediately.

IV. VIOLATIONS OF LAW COLLECTION ACCOUNT 15 U.S.C. 1692g Failure to provide proper debt validation 15 U.S.C. 1692c ( c ) Continued collection activity without validation 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( FCRA 611 ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681c-2 ( FCRA 605B ) Failure to block identity-theft information V. CHILD SUPPORT REPORTING UNLAWFUL & UNVERIFIABLE I am also disputing the reporting of child support by the Florida Department of Revenue , despite the obligation being paid and satisfied and having a XXXX balance. 
Under 15 U.S.C. 1681b and 15 U.S.C. 1681s-1, consumer reporting agencies may only report information with a permissible purpose and after ensuring lawful accuracy.

Child support obligations are not consumer debts and are not governed by FDCPA standards, and case law makes clear that credit reporting agencies must ensure strict compliance before reporting such information.

If this item was verified, that would imply a lawful investigation was conducted. However, reporting child support at all demonstrates that no proper investigation occurred, constituting a direct violation of 15 U.S.C. 1681i ( FCRA 611 ).

VI. FAILURE TO INVESTIGATE & LEGAL CONCLUSIONS Reporting fraudulent collection accounts and non-reportable child support data demonstrates : Failure to investigate before reporting Failure to reinvestigate after dispute Reliance on unverified third-party data Willful disregard for consumer protections Courts have held that consumer reporting agencies may not rely blindly on furnishers and must conduct independent, reasonable investigations ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ). 
Under UCC principles of lawful assignment and custody, a party must prove standing, ownership, and authority before enforcing any alleged obligation.

VII. DEMAND FOR RELIEF I am demanding the following : 1. Immediate deletion of the fraudulent collection account reported by Sequium Asset Solutions, L 2. Immediate deletion of the child support account reported by the Florida Department of Revenue 3. Written confirmation of deletions 4. Assurance that these items will not be reinserted Failure to comply will result in CFPB complaints, state enforcement actions, and civil liability under 15 U.S.C. 1681n and 1681o.

CERTIFICATION I certify under penalty of perjury that the information stated herein is true and correct to the best of my knowledge.

Company response to consumer: Closed with non-monetary relief