Sequium Asset Solutions on Your Credit Report: What to Know

Sequium Asset Solutions, LLC is a relatively new debt buyer that purchases charged-off accounts from telecom companies, credit card issuers, and financial institutions and then pursues consumers for payment. That debt buyer model means Sequium often contacts consumers about accounts that changed hands multiple times before landing with the agency.

A January 2024 class action in Cook County Circuit Court alleged Sequium’s collection emails failed to include required notices of consumers’ right to dispute the debt, a violation affecting many consumers simultaneously.

This guide covers who Sequium collects for, the 2024 class action, documented complaint patterns, your federal rights, and how to handle the account.

Who Is Sequium Asset Solutions, LLC?

Sequium Asset Solutions, LLC is a Marietta, Georgia-based debt collection agency that has operated for approximately six years. The company also operates under the name Focus Receivables Management.

Sequium is not currently BBB-accredited. The agency functions primarily as a debt buyer, purchasing delinquent accounts from original creditors rather than collecting on their behalf. That distinction matters when requesting documentation because Sequium must produce the full chain of assignment from the original creditor through every owner to itself.

Who Does Sequium Collect For?

Sequium purchases and collects charged-off accounts across several consumer industries. Confirmed clients appear in court records and consumer complaints.

Confirmed clients include:

• AT&T and DirecTV: Unpaid wireless, satellite, and broadband accounts are among Sequium’s most frequently cited collection categories.
• Comcast: Cable, internet, and home phone balances appear consistently in consumer complaint records.
• Cell phone companies: The 2024 Marlecha class action specifically involved a cell phone company debt Sequium claimed the consumer owed.
• Credit card issuers: Charged-off consumer credit card balances purchased from major issuers.
• Auto and personal loan companies: Delinquent auto loan deficiencies and personal loan defaults.

January 2024 Class Action Against Sequium

Marlecha v. Sequium Asset Solutions was filed January 5, 2024, in Cook County Circuit Court by attorneys from the firm Philipps & Philipps. The lawsuit alleged Sequium violated the Fair Debt Collection Practices Act and the Illinois Collection Agency Act in the way it communicated with consumers during collection.

The central allegation was that Sequium’s collection emails failed to include required notices informing consumers of their right to dispute the debt under FDCPA Section 1692g. The named plaintiff also disputed the underlying debt entirely, claiming he never incurred the cell phone balance Sequium claimed he owed.

The case was voluntarily dismissed by the plaintiff on February 1, 2024. Voluntary dismissals sometimes reflect private resolution rather than a finding that no violation occurred.

Common Sequium Complaint Patterns

Consumer complaints filed with the CFPB and documented through consumer law sources reveal consistent recurring issues.

• Reporting to credit bureaus without prior written notice: Consumers frequently report discovering a Sequium entry on their credit file without ever receiving a letter, call, or email beforehand.
• Collection emails missing required dispute notices: The 2024 class action targeted this specifically. If you received collection emails from Sequium without clear language about your right to dispute, that may constitute an FDCPA violation.
• Inconsistent validation responses: A review of 23 documented consumer validation requests showed wide variation in Sequium’s responses, with some receiving complete documentation and others receiving only partial information or experiencing significant delays.
• Pursuing debts consumers do not recognize: Multiple CFPB complaints involve consumers with no knowledge of the underlying account Sequium is pursuing, consistent with the debt buyer model where accounts change hands multiple times.

What Sequium Cannot Do Under Federal Law

• Send collection emails without required dispute notices: FDCPA Section 1692g requires every initial communication to inform you of your right to dispute the debt within 30 days. The 2024 class action alleged Sequium’s emails omitted this.
• Report to credit bureaus without providing required written notice: Federal law requires written notice of your right to dispute within five days of first contact. Reporting before that notice arrives may violate the FCRA.
• Collect without producing the chain of assignment: As a debt buyer, Sequium must be able to document every transfer of ownership from the original creditor to itself.
• Continue collection after a written validation request: Once you request validation in writing, all collection activity must pause until Sequium responds with documentation.
• Contact outside legal hours: Calls before 8 a.m. or after 9 p.m. local time violate federal law.

Verify Before Paying Sequium

As a debt buyer, Sequium may have purchased your account from a third party that itself purchased it from the original creditor. That chain can be long and is often incomplete.

Send a certified validation letter demanding the original creditor’s name and address, the original account number, the complete chain of assignment showing every owner from the original creditor to Sequium, an itemized statement of the current balance, and written confirmation of whether the email or letter you received included your right to dispute. If Sequium cannot produce the complete ownership chain, it may lack standing to collect or report the debt.

How to Check Your Credit Report

Pull all three reports at AnnualCreditReport.com and look for Sequium Asset Solutions or Focus Receivables Management as the furnisher. Confirm the original creditor name, balance, and date of first delinquency against any records you have.

If Sequium reported without sending prior written notice, note the date the entry appeared and compare it against any written communications you received. That timeline supports both a bureau dispute and a CFPB complaint.

How Long Can Sequium Legally Pursue the Debt?

Georgia allows six years on most written contracts. The state governing the original account controls the statute, not where Sequium is based.

Telecom and credit card accounts carry varying limitations by state, typically three to six years. Because Sequium buys old debt, some accounts may already be past the statute of limitations when the agency acquires them. Any payment or written acknowledgment can restart the clock in many states.

Your Options for Resolving the Account

• Demand the complete chain of assignment: Sequium’s debt buyer model means ownership documentation is the critical leverage point. Force production of every transfer from the original creditor forward.
• Challenge emails missing dispute notices: If your initial Sequium contact came by email without clear dispute rights language, cite the Marlecha class action and file a CFPB complaint documenting the omission.
• Dispute reporting without prior notice: If the entry appeared before you received any written contact, file disputes with all three bureaus citing FCRA timing requirements.
• Negotiate deletion with written terms: If the debt is valid, require written deletion from all three bureaus covering both Sequium Asset Solutions and Focus Receivables Management before any payment.

How to Contact Sequium Asset Solutions

Handle all communication in writing. Send disputes by certified mail with return receipt requested:

• Address: Sequium Asset Solutions, LLC, 1130 Northchase Parkway, Suite 150, Marietta, GA 30067
• Phone: (877) 362-8766

Bottom Line

Sequium is a debt buyer that purchases charged-off telecom and credit card accounts and pursues consumers for balances that may have changed hands multiple times before reaching the agency. The 2024 class action over missing dispute notices in collection emails targets a systemic communication failure, not isolated conduct.

The complete chain of assignment from the original creditor to Sequium is the most important document to demand before paying anything. Without it, the agency may not have legal standing to collect or report the debt.

If a Sequium account is on your credit file, the right move depends on the original creditor, whether the ownership chain is complete, and whether your initial contact included the required dispute notice.