Consumer complaint received 2023-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: MS

Complaint narrative:
RE : XXXX Request for Method of Validation To Whom It May Concern : I recently received an unsatisfactory response from XXXX XXXX ( Compliance Specialist ) to a dispute that I made under FCRA 809 ( B ) regarding the validation of an account which you show as validated and allegedly belonging to me. This is hearsay and defamation of character because Sequium Solution has no firsthand knowledge or ever bore witness to any of my private or public Consumer Credit Transactions yet still choose to represent this alleged client. 

I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of your investigation. In order to help you process this request all previous correspondenceand documents that I sent to you can be accessed from my initial complaint on CFPB.gov ( Reference : XXXX and XXXX ) As mentioned in the beginning of my notice Sequium Asset Solutions continuing to allegethat I owe anydebtis hearsay and will beconsidered defamation of character because they do not have firsthand knowledge of or ever bore witness to any of my Consumer Credit Transactions. I have no account with them, nor am I their customer, nor have I ever entered into a legally binding contractual agreement with Sequium Asset Solutions. I request the following information that I AM entitled under Title 15 USC 1692 ( The FairDebtCollection Practices Act ).

1. ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. ) What is your authorization of law for your collection of information?

3. ) What is your authorization of law for your collection of this allegeddebt?

4. ) Please evidence your authorization to do business in my state.

5. ) Please evidence proof of the allegeddebt, including specifically the alleged contract or other instrument bearing my signature.

6. ) Please show proof to establish balances, payments, interest rate disclosures, etc. as alleged in initial correspondence.

7. ) Provide Proof that you are within the statue of limitations to collect on this alleged debt according to the laws in my state.

I also demand thatSequium Asset Solutions DO NOT send me a template letter in response to this request or a statement like the one I have attached to this letter.

I am in the process of seeking litigation in order to settle this matter and seek redress. I require specific answers to the specific questions demanded of you in this letter. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record and compensation for any and all violations. Thank you for your prompt attention to this matter. I very much look forward to getting this resolved assoon as possible.

Company response to consumer: Closed with explanation