Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I am filing a complaint against Sequium Asset Solutions regarding the reporting and collection of an alleged debt that I dispute and believe was paid to the original creditor. I unclear why this company is on is on my credit profile and how this company fraudulently obtained my personal private information. I have no business dealing with this company. This alleged debt that this company is claiming i owed was already paid in full to the original creditor. Sequium Asset Solutions is attempting to collect an alleged debt that I dispute because the obligation was previously satisfied with the alleged original creditor. By continuing to represent that this debt remains due and owing, Sequium Asset Solutions may be misrepresenting the legal status and validity of the alleged debt. Under 15 U.S.C. 1692e of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from using any false, deceptive, or misleading representations in connection with the collection of a debt, including misrepresenting the amount or legal status of an obligation. The purpose of this provision is to protect consumers from abusive and deceptive collection practices and to ensure that debt collection activities are conducted honestly and fairly. If a debt collector knowingly or negligently attempts to collect a debt that has already been satisfied, such conduct may constitute a violation of 1692e and may subject the debt collector to civil liability, including statutory damages, actual damages, and attorney 's fees as provided by law. I discovered that I was not provided with the validation notices and disclosures required under 15 U.S.C. 1692g, including information regarding my right to dispute the alleged debt and request verification of the debt. As a result, I was denied a meaningful opportunity to exercise my rights under the Fair Debt Collection Practices Act ( FDCPA ) before the account was reported to consumer reporting agencies. Had I been properly notified, I would have timely disputed the alleged debt and requested validation, particularly because the alleged obligation had already been satisfied with the original creditor. Reporting the account to my credit report without first providing the required notice and opportunity to dispute deprived me of the procedural protections guaranteed by federal law and caused harm to my creditworthiness, reputation, and ability to obtain credit. The FDCPA requires debt collectors to provide consumers with clear notice of their rights so that inaccurate, invalid, or previously satisfied debts can be challenged before adverse collection and reporting actions occur. The failure to provide such notice undermines the purpose of 15 U.S.C. 1692g and may constitute a violation of the FDCPA. I request that Sequium Asset Solutions : 1. As a third party creditor, Please provide me with the contact information on who has firsthand knowledge of my personal business dealings with the alleged original creditor from Sequium Asset Solutions. 2. As a third party creditor, Please provide me with the contact information on who provided Sequium Asset Solutions with any of my private information. 3. As a third party creditor, please provide all the full GAAP accounting records from the inception of this alleged account you claim I owe Sequium Asset Solutions. 4. As a third party creditor, please provide me with the signed application between the alleged original creditor and myself. 5. As a third party creditor, please provide me with a signed contract with my signature with the alleged original creditor. 6. As a third party creditor, please provide me with the purchase agreement between Sequium Asset Solutions and the alleged original creditor with my name and alleged account information on it. 7. As a third party creditor, please verify whether payment was made to the alleged original creditor or Sequium Asset Solutions. Absent of all such evidence, I dispute the alleged debt in its entirety and request its immediate removal from all consumer reporting agencies. Cease and desist of all communications and collection efforts of any unverified alleged debts. Also, provide me a written confirmation of all the actions taken to resolve this matter.I respectfully request that the CFPB investigate this complaint and require Sequium Asset Solutions to comply with all applicable consumer protection laws.

Company response to consumer: Closed with non-monetary relief