Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX To : SeQuium Asset Solutions , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Demand for Validation and Removal of Alleged Debt Account # XXXX Amount : {$260.00} To Whom It May Concern, This letter serves as a formal dispute and demand for validation regarding the above-referenced collection account. I do not acknowledge this debt, and I am demanding complete verification and proof that your company has the legal right to collect or report this account.

This request is made under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. You are not permitted to assume this debt is valid or continue any collection or reporting activity until full documentation has been provided.

You Must Provide the Following Documentation : The original signed agreement or contract bearing my signature that legally obligates me to this alleged debt.

A complete chain of assignment or transfer from the original creditor to SeQuium Asset Solutions, including all names, dates, and signatures of transfer.

Proof of ownership or assignment, such as the bill of sale or transfer agreement authorizing you to collect this debt.

A full and itemized accounting detailing how the balance of {$260.00} was calculated, including principal, fees, payments, and dates.

The name, address, and contact information of the original creditor, along with the account open and charge-off dates.

Copies of all billing statements or communications allegedly sent to me, with proof of mailing or delivery.

Proof of your licensure and authorization to collect debts in the State of Ohio, including your license number and bonding information.

Legal Notice A billing statement, account summary, or computer printout does not meet the legal definition of debt validation. Continuing collection efforts or credit reporting without providing verifiable proof is a willful violation of FDCPA 809 ( b ) and FCRA 611 ( a ).

If you can not provide complete and verifiable documentation within 30 days of receiving this notice, you must : Delete this collection account from all credit reporting agencies.

Cease all collection activity related to this alleged debt.

Provide written confirmation that this account has been permanently removed from your system.

Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Ohio Attorney Generals Office. I also reserve the right to pursue civil remedies under 15 U.S.C. 1681n, 1681o, and 1692k for damages and legal costs.

This is not a request for an explanation or summary it is a demand for complete, verifiable proof. If you can not produce the required documentation within 30 days, the account must be deleted immediately and all reporting must cease. 

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief