Consumer complaint received 2022-09-19
Company: Halsted Financial Services, LLC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Halsted financial services I am responding to your contact about a debt you are trying to collect and claiming that I owe when I know well enough that I do not owe any debts. I did not receive any postal letters or emails or phone calls from your or any other company prior to this email in which you claim I owe debt. I do not owe anybody debt and I believe this is a fraudulent account. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : Proof of the contract The name and address of the creditor to whom the debt is currently owed, the direct account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the original account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which you claim I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us. In addition to providing the information requested above, please let me know whether you are prepared to accept 0 % of balance you are claiming is owed as a final settlement since I know this is not my debt. Also please cease and desist sharing my information. Please cease and desist contact by all means if you can not furnish me with any validation of this debt. Please cease and desist placing false information on any credit reporting since I do not have anything owed to any company that I have not signed a contract for. Please cease and desist violating my privacy by stopping selling this false information to other collectors. I already filed an identity theft fraud case. and furnish proper proof. This is not my debt. Validate this debt. Do not contact me by any and all means. Do not sell my information to any other company. Do not violate my privacy. Thank you for your cooperation.

Company response to consumer: Closed with explanation