How to Remove Sequium Asset Solutions From Your Credit Report

Who is Sequium Asset Solutions?

Sequium Asset Solutions is a collection agency based in Marietta, Georgia. Collection agencies work on assignment, meaning another company hires them to recover unpaid bills, while debt buyers purchase charged-off accounts and collect for their own benefit. Sequium operates the first way, so the original provider typically still owns your account.

Sequium concentrates on telecom, cable, and consumer debt. Unpaid phone bills, cable and internet balances, and everyday consumer accounts make up most of its caseload. CFPB complaint data reflects that mix: telecommunications debt leads with 759 complaints, followed by rental debt at 207.

Why is Sequium on my credit report?

If Sequium Asset Solutions appeared on your report, a service provider (often a phone, cable, or internet company) says you left a balance behind and turned the account over for collection. Common triggers include unreturned equipment charges, a final bill after canceling service, and fees that were still in dispute when the account closed.

Cable and internet accounts add a wrinkle wireless customers rarely face: equipment. A modem or cable box the provider claims was never returned can become a collection balance months after you moved, even when you have a return receipt. Before responding to Sequium, dig up any receipts or tracking numbers, because that paperwork often ends the argument on its own.

Check each of your three credit reports for the name Sequium or Sequium Asset Solutions. The same account should show an identical balance and original creditor everywhere it appears. Mismatches between bureaus are themselves grounds for a dispute.

Is Sequium Asset Solutions legit or a scam?

Sequium is a legitimate, registered collection agency, not a scam. Legitimate does not mean error-free, though, and no collection balance deserves a payment until it has been verified in writing.

The CFPB has logged 2,235 complaints about Sequium in the past three years and 3,838 all time. Attempts to collect debt not owed tops the list with 1,130 complaints, with written notification about the debt (339) and threats of negative or legal action (296) close behind. These are consumer submissions rather than verified violations, but they show how often people question the balances Sequium pursues, which is a strong argument for demanding proof first.

How Sequium affects your credit score

A single collection tradeline can drag your credit score down significantly, and the drop tends to be steepest for people whose credit was strong before the entry appeared. The account also sits in plain view of any lender who pulls your file, which can affect approvals independently of the score itself.

Newer scoring models offer some relief. FICO 9, FICO 10, VantageScore 3.0, and VantageScore 4.0 exclude paid collections from your score entirely. Plenty of lenders still use older models that count them, so disputing an inaccurate cable or phone collection beats paying it without question. If you want the broader playbook, read our guide on how to remove a collection from your credit report.

The exact damage depends on the rest of your file, and a collection loses weight as it ages. The fastest route back to a healthy score is the same under every model: get inaccurate entries deleted and resolve whatever turns out to be real.

How to remove Sequium from your credit report

Accurate, verifiable debts generally cannot be removed just by disputing. But collection accounts are full of paperwork problems, wrong balances, wrong dates, accounts that cannot be documented, and every one of those is removable. Here is the sequence that puts the burden of proof on Sequium.

1. Get all three of your credit reports free at annualcreditreport.com and list every Sequium entry with its balance, original creditor, and date of first delinquency.
2. Mail Sequium a debt validation letter. FDCPA Section 809 makes it pause collection until it verifies the debt, provided you write within 30 days of its first contact. Past 30 days you can still ask for verification, but the automatic pause no longer applies.
3. File disputes with every bureau showing the entry. Under FCRA Section 611, Equifax, Experian, and TransUnion each have 30 days to investigate and must delete whatever cannot be verified. Include a copy of the report page with the Sequium entry marked, plus any receipts for returned equipment.
4. Send a dispute to Sequium directly too. Furnishers have their own duty under the FCRA to investigate disputes about the accounts they report.
5. If the account survives verification and is accurate, negotiate. Pay-for-delete is not guaranteed and collectors rarely put it in writing, so do not bank on it. Settling or paying still improves your position under the newer scoring models that skip paid collections.
6. Escalate to the CFPB if Sequium or a bureau misses the 30-day deadline or verifies the account without providing real documentation.

Your rights when dealing with Sequium

Federal law follows Sequium into every phone call and letter. The FDCPA bans harassment and abusive conduct under Section 806, Regulation F limits collectors to 7 calls in 7 days per debt, and you have the right to written validation before you owe anyone a conversation about payment.

Your credit report is covered separately by the FCRA, which requires accuracy and gives you the right to dispute anything questionable. Also watch the calendar: the statute of limitations on debt varies by state, and in some states a partial payment on an old account restarts it. Confirm where your debt stands before sending Sequium any money.

Finally, put every dispute in writing and keep copies of what you send and what comes back. Certified mail costs a few dollars and turns each legal deadline in this process into something you can prove.