Sequium Asset Solutions Credit Report Errors

The Kim Law Firm represents consumers whose accounts are being reported inaccurately by Sequium Asset Solutions, or who are being pursued for a debt that is not theirs, was already paid, or is too old to be legally enforced. If Sequium Asset Solutions is calling, mailing letters, or reporting a collection account on your credit report, the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) give you real protections. This page explains who Sequium Asset Solutions is, how to reach it, and what to do if the account is wrong.

Who is Sequium Asset Solutions?

Sequium Asset Solutions is a third-party debt collection agency headquartered in Marietta, Georgia. It collects past-due accounts for telecommunications, utility, automotive, and financial creditors, and it reports collection accounts to the credit bureaus. Because Sequium collects on accounts that often changed hands before reaching it, the details it reports are not always accurate.

Is the Sequium Asset Solutions account on your credit report even yours?

Before you pay anything, ask whether the account is accurate and whether it is even yours. Debt collectors work from bulk data that is frequently wrong, and that is where your strongest rights lie:

• It is not your debt (identity theft). If someone opened the original account in your name, a Sequium Asset Solutions collection entry can be a sign of identity theft, and you should not have to pay it or let it stay on your report.
• It is someone else's account (a mixed credit file). If the debt belongs to another person with a similar name or Social Security number, you may have a mixed credit file, one of the most damaging reporting errors.
• It was already paid or settled. Collectors routinely report balances on debts that were already paid, settled, or discharged in bankruptcy.
• The details are wrong. An incorrect balance, a wrong date, a debt reported twice, or an account re-aged to look newer than it is are all credit-reporting errors you can challenge.

Each of these is a potential violation of the FCRA, which can entitle you to have the item corrected or deleted and to recover money from the parties responsible, often at no cost to you.

How to contact Sequium Asset Solutions

Sequium Asset Solutions is based in Marietta, Georgia (website: sequium.com). Confirm the exact address and phone number on your most recent letter before responding, and send any dispute or validation request by mail so you keep proof.

Sequium Asset Solutions and consumer-protection law

Sequium Asset Solutions draws heavy volume in the Consumer Financial Protection Bureau's public Consumer Complaint Database and is frequently named in Fair Debt Collection Practices Act lawsuits over its collection and reporting conduct. Source: CFPB Consumer Complaint Database. A high complaint volume does not prove your account is wrong, but it is a good reason to demand that Sequium validate the debt before you pay.

How to dispute and remove Sequium Asset Solutions from your credit report

• Request validation in writing within 30 days of first contact. Demand proof of the original creditor, that Sequium Asset Solutions has the right to collect, and an accurate accounting of the balance.
• Dispute the tradeline in writing with each credit bureau (Equifax, Experian, TransUnion) and directly with Sequium Asset Solutions under the FCRA, identifying every inaccuracy.
• Check the reporting dates. If the account was re-aged or is being reported past the seven-year limit, say so specifically.
• If the debt resulted from identity theft, create a report at IdentityTheft.gov and submit it with your dispute so the account can be blocked.
• Keep copies of everything. If Sequium Asset Solutions or the bureau verifies an item you have shown to be false, that failure to investigate is itself a claim.

Who we can help and who we can not

We represent consumers whose Sequium Asset Solutions account is being reported incorrectly — a debt that is not yours, belongs to someone else, was already paid, or is inaccurate. That is the kind of Fair Credit Reporting Act problem we handle. We are not the right firm if you simply want out of a debt you genuinely owe, or want help settling a legitimate balance. Our focus is fixing inaccurate reporting and recovering damages for the harm it causes.

How The Kim Law Firm helps

If you disputed a Sequium Asset Solutions account and it was not fixed, or the damage is already done, we can help. The FCRA and FDCPA require Sequium Asset Solutions and the credit bureaus to genuinely investigate your dispute; when they do not, they can be held accountable for actual damages, statutory damages, and your attorney's fees. Those laws let us recover our fees from the company that broke the law, so your case review is free and we work on a no-fee-unless-we-win basis. Start your free case review or call 855-996-6342 today.

Dealing with a different collector? See our full furnisher & debt collector resource page, or our pages on Jefferson Capital and Midland Credit Management.

Accounts that changed hands before anyone contacted you

A great many collection tradelines describe a debt that has already moved once or twice — creditor to agency, agency to buyer, buyer to servicer — before the consumer hears a word about it. Each transfer is an opportunity for the balance, the dates or the account holder's identity to be recorded slightly wrong, and the further the account travels from the original creditor, the thinner the documentation behind it tends to be.

• Resurgent Capital Services — the servicer for accounts owned by LVNV Funding and related Sherman Financial Group entities, where the collector and the owner are different companies by design.
• Radius Global Solutions — itself the product of a combination of earlier collection businesses.
• Enhanced Recovery Company — which reports under more than one name, so an older entry may not match the current one.
• Credit Control Services — a contingency agency, meaning the original creditor never sold the account at all.
• Transworld Systems — a nationwide collector whose placements cross most consumer debt categories.

Ask for validation the moment you are contacted, and ask specifically for the original creditor's name, the original account number and the date of first delinquency. That last date is the one that controls when the entry has to come off your report, and re-aging it is one of the most common Fair Credit Reporting Act violations in transferred accounts. If the numbers do not match your records, dispute in writing with both the furnisher and the bureaus.

Frequently asked questions about Sequium Asset Solutions

Who does Sequium Asset Solutions collect for? Sequium Asset Solutions collects past-due accounts on behalf of creditors and, in some cases, debt it or an affiliate has purchased. If you do not recognize the account, demand written validation before paying.

Can I get Sequium Asset Solutions removed from my credit report? If the tradeline is inaccurate — not your account, wrong balance, wrong dates, re-aged, or already paid — you can dispute it with all three bureaus and directly with Sequium Asset Solutions under the FCRA. Anything that cannot be verified must be corrected or deleted.

Is Sequium Asset Solutions a scam? Sequium Asset Solutions is a real collection company, not a fake operation, but a real company can still report an inaccurate or unprovable debt. Always demand validation in writing.

What does it cost to have my case reviewed? Nothing. The FCRA and FDCPA shift attorney's fees to the company that broke the law, so we offer a free case review and work on a no-fee-unless-we-win basis.

How to tell if a call, letter or text is really from Sequium Asset Solutions

Most people reach this page after a call, letter or text from a company they have never heard of, and the first question is simply whether Sequium is a real company at all. It is: Sequium Asset Solutions, LLC is a licensed collection agency based in the Atlanta area. Below are the identifiers on record, so you can compare them against whatever you received.

Phone numbers Sequium publishes

• Consumer line on the company's own website: 877-362-8766, also written (877) 362-8766 or 8773628766. This is the number Sequium publishes for consumers, and it is also the primary number in its Better Business Bureau listing.
• Additional numbers listed with the Better Business Bureau: 800-268-3486, also written (800) 268-3486 or 8002683486; and 678-228-3054, also written (678) 228-3054 or 6782283054. These come from the BBB listing rather than from Sequium's own site.

Where Sequium mails from

• Current address on the company's own website: 2700 Cumberland Parkway, Suite 200, Atlanta, GA 30339. A letter postmarked in the Atlanta metro area is consistent with the real company.
• Former address you may still see: 1130 Northchase Parkway SE, Suite 150, Marietta, GA 30067 (shown in the BBB listing with the ZIP+4 form 30067-6429). Older correspondence and third-party directories still carry the Marietta address, so seeing it does not by itself mean the letter is fake — but the company's own site now publishes the Cumberland Parkway address.

Is pay.sequium.com the real payment portal?

Yes. Sequium links to pay.sequium.com from its own website as its consumer payment portal, and that domain is one of the most searched things about the company — people receive a letter pointing them to a payment site on a subdomain they cannot verify and reasonably hesitate. Checking before you pay is the right instinct.

What confirms a portal is the fact that the company itself links to it from a site you reached on your own, not a link inside the letter. Type sequium.com into your browser and follow the payment link from there. If a text or letter sends you to a payment page on any other domain — a lookalike spelling, a shortened link, or a generic payment processor with no Sequium branding — do not enter card or bank details.

Confirming the portal is real does not confirm the debt is. A valid payment page can be collecting on an invalid balance.

The names and spellings you may see

The legal name is Sequium Asset Solutions, LLC. It is commonly misspelled — Sequiem, Seqium, Squium, Sequim, Sequiu and Sequiun all turn up regularly — and Spanish-speaking consumers frequently search for what the company is at all. On a credit report the tradeline may read simply Sequium or Sequium Asset Solutions, which is often the only clue as to who is reporting, because the original creditor may not be named.

Numbers and addresses that are not on this list

Collection agencies rotate outbound calling numbers and use third-party dialing and messaging vendors, so a legitimate call from Sequium can display a number that appears nowhere on the company's own website. An unlisted number is not proof of a scam, and an official-looking number is not proof the caller is genuine.

Under the Fair Debt Collection Practices Act, a collector must identify itself and must send a written validation notice within five days of first contacting you, stating the amount of the debt and naming the creditor. Since Regulation F took effect on November 30, 2021, a collector that texts you also has to give you a reasonable and simple way to opt out.

To verify a caller claiming to be Sequium:

• Do not call back the number in the voicemail or text, and do not open a payment link from it.
• Ask, in writing, for the validation notice before you discuss or pay anything.
• Pull your reports at AnnualCreditReport.com and check whether a Sequium tradeline actually exists.
• Never give bank account or card numbers to someone who contacted you first.

Confirming the caller is the real company answers only half the question. If the balance is wrong, the debt is not yours, it was already paid or settled, or it was discharged in bankruptcy, that is a separate problem — with remedies under the FDCPA and, where the account appears on your credit report, under the Fair Credit Reporting Act.

Questions people ask about Sequium Asset Solutions

What is Sequium Asset Solutions?

Sequium Asset Solutions, LLC is a third-party debt collection agency based at 2700 Cumberland Parkway, Suite 200, Atlanta, Georgia. It contacts consumers about accounts placed with it by creditors or by companies that have acquired the debt. If Sequium is calling or writing to you, it is doing so as a collector rather than as the original creditor.

Is Sequium legit or is it a scam?

Sequium is a real, licensed collection agency with a published Atlanta address and a Better Business Bureau profile. That does not make every contact claiming to be Sequium genuine, because scammers commonly use the names of real agencies. Verify against the numbers and addresses the company publishes, and require the written validation notice before you discuss or pay anything.

Is pay.sequium.com a real payment site?

Yes. Sequium links to pay.sequium.com from its own website as its consumer payment portal. The safe way to confirm that for yourself is to type sequium.com into your browser and follow the payment link from there, rather than clicking a link inside a letter or text. Confirming the portal is real does not confirm the debt is: a valid payment page can be collecting on an inaccurate balance.

What phone number does Sequium call from?

Sequium publishes 877-362-8766, also written (877) 362-8766 or 8773628766, which is also the primary number in its BBB listing. The BBB listing additionally shows 800-268-3486 and 678-228-3054. Collectors rotate outbound numbers and use third-party dialing vendors, so a genuine call may display a number the company has never published.

What address does Sequium mail from?

The current address on Sequium's own website is 2700 Cumberland Parkway, Suite 200, Atlanta, GA 30339. Older correspondence and third-party directories still show 1130 Northchase Parkway SE, Suite 150, Marietta, GA 30067, so a letter bearing the Marietta address is not automatically fake, but the Atlanta address is the one the company currently publishes.

Who does Sequium Asset Solutions collect for?

Sequium does not publish a client list, which is typical for collection agencies. The only reliable way to learn who the creditor is on your particular account is the validation notice, which the Fair Debt Collection Practices Act requires a collector to send in writing within five days of first contacting you, stating the amount of the debt and naming the creditor.

How is Sequium spelled, and how does it appear on a credit report?

The legal name is Sequium Asset Solutions, LLC. It is frequently misspelled as Sequiem, Seqium, Squium, Sequim, Sequiu or Sequiun. On a credit report the tradeline typically reads Sequium or Sequium Asset Solutions, often without naming the original creditor, which is why the entry looks unfamiliar.

How do I dispute a Sequium account?

Dispute in writing and keep copies. Send a written dispute to Sequium, and separately dispute the tradeline with each credit bureau reporting it. A collector that receives a timely written dispute must stop collection activity until it mails verification of the debt. If inaccurate information about the account remains on your credit report, you may have claims under the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act.