Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Halsted Financial Services XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Re : Formal Dispute of Inaccurate and Unlawful Reporting of Account Dear Sir/Madam, I am writing to dispute the reporting, collection, and handling of an alleged debt by your companies. This letter serves as a formal demand for validation and immediate cessation of all collection activities and credit reporting regarding this account. The handling of this matter violates several provisions of the Fair Credit Reporting Act ( FCRA ) and Texas Finance Code, including : Unlawful and duplicative reporting by XXXX XXXX XXXX, Halsted Financial Services, and XXXX XXXX XXXX for the same debt. 

Incorrect and inconsistent information reported across the credit bureaus ( XXXX, XXXX, XXXX ). 
Lack of proper licensing to collect debt in Texas as required under Texas Finance Code 392.101.

Unlawful attempts to seek licensing after the debt was reported, in violation of Texas law.

Failure to obtain my consent to sell or transfer my personal information to third parties. 

Specific Concerns XXXX. Illegal and Duplicative Reporting : XXXX XXXX XXXX, Halsted Financial Services, and XXXX XXXX XXXX are reporting the same debt, which is a violation of FCRA 1681s-2 ( b ) and XXXX XXXX XXXX. 

Halsted Financial Services was deleted from my XXXX credit report in XX/XX/year>, which further invalidates its continued reporting. If XXXX deemed the account unverifiable or inaccurate, the same should apply to all other credit bureaus and collection entities. 

XXXX. Incorrect and Inconsistent Information : Each credit bureau ( XXXX, XXXX, and XXXX ) reports conflicting details about this account, which violates FCRA 1681i and Texas Finance Code 392.202. This inconsistency demonstrates that your companies have not properly verified the debt before reporting it. 

XXXX. Licensing Issues in Texas : As per Texas Finance Code 392.101, debt collectors must be licensed by the Texas Department of Banking to legally collect debts in Texas.

Seeking licensure after reporting a debt is unlawful under Texas law. Provide proof that you were duly licensed to collect debts in Texas at the time this debt was initially pursued. 

XXXX. Resale of Debt and Transfer of Personal Information : I did not provide consent for my personal information or this alleged debt to be sold, transferred, or resold to third parties, as required under FCRA 1681b. 

Any attempt to resell or report this debt after it has been disputed and deleted violates FCRA 1681i and Texas Finance Code 392.304 ( a ). 

XXXX. Repeated Contact and Harassment : Daily emails and calls from your companies constitute harassment under Texas Finance Code 392.302, which prohibits debt collectors from using oppressive tactics. 

Specific Requests for Resolution To resolve this matter, I request the following actions : 1. Cease All Collection Activities : Immediately stop all collection attempts, including phone calls, emails, and written correspondence. 

XXXX. Remove All Credit Reporting : Ensure this account is permanently deleted from all primary ( XXXX, XXXX, XXXX ) and secondary ( XXXX ) credit bureaus. 

XXXX. Provide Proof of Debt Verification : A copy of the original contract with my wet signature.

Documentation showing the full payment history and amount owed. 

Detailed explanation of how the debt was verified. 

XXXX. Licensing Documentation : Provide proof of your companys licensing to collect debts in Texas, including your NMLS number. 

XXXX. Ensure No Resale or Transfer : Confirm in writing that this debt will not be resold, transferred, or reported again. 

Legal Violations and Consequences Failure to comply with these requests constitutes violations of the following laws : Fair Credit Reporting Act ( FCRA ) FCRA 1681c ( a ) : Prohibits reporting of obsolete information ( over seven years old ).

FCRA 1681i ( a ) : Requires investigation and removal of unverifiable information. 

FCRA 1681s-2 ( b ) : Mandates proper verification of debts before reporting.

Texas Finance Code ( Chapter 392 ) : 392.304 ( a ) : Prohibits false, deceptive, or misleading debt collection practices.

392.302 : Prohibits harassment and abusive collection practices.

392.303 : Prohibits collection of unauthorized or invalidated debts.

392.101 : Requires proper licensing for debt collection in Texas.

If Legal Remedies for Non-Compliance Failure to comply with these requests will result in further legal action, and I will pursue all available remedies under the Fair Credit Reporting Act ( FCRA ), Texas Finance Code, and Texas Business and Commerce Code, Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Texas Attorney General, Texas Department of Banking ( TDB ), Texas Credit Repair Organizations Act ( CROA ), Better Business Bureau ( BBB ), and Texas Legal Services Center, which protect consumers from the reporting of inaccurate, unverifiable, or outdated information.

Thank you for your prompt attention to this matter. I expect a response with the requested documentation within the legally required timeframe. 

Sincerely, XXXXXXXX XXXX XXXX XXXX Legal References : Fair Credit Reporting Act ( FCRA ) : Section 1681i Procedures in Case of Disputed Information : * FCRA 1681i ( a ) ( 1 ) ( A ) * FCRA 1681i ( a ) ( 4 ) Section 1681s-2 Duties of Furnishers of Information : * FCRA 1681s-2 ( b ) Section 1681b Permissible Purposes of Consumer Reports : * FCRA 1681b Section 1681c Information Excluded from Consumer Reports : * FCRA 1681c ( a ) ( 5 ) Texas Law Texas Debt Collection Act ( Texas Finance Code, Chapter 392 ) Texas Finance Code 392.304 Unlawful Debt Collection Practices : * Texas Finance Code 392.304 ( a ) Texas Finance Code 392.202 Licensing Requirement for Debt Collectors : * Texas Finance Code 392.202 ( a ) Texas Finance Code 392.303 Collection of Unverified or Inaccurate Debt : * Texas Finance Code 392.303 ( a ) Texas Business and Commerce Code 20.05 Fraudulent or Inaccurate Reporting