Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: MA

Complaint narrative:
Debt Collector / Servicer : Halsted Financial Services Alleged Original Creditor : XXXXXXXX XXXX XXXX XXXX 
Alleged Current Creditor : XXXX XXXX XXXX Account Reference : As stated in collector correspondence Last Payment Alleged : {$200.00} on or about XX/XX/XXXX ( per collector email ) Date of Collector Contact : XX/XX/XXXX Complaint Summary I am filing this complaint regarding a debt collection communication received from Halsted Financial Services, claiming they now handle an account allegedly originated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as the current creditor. 

This complaint constitutes my first formal demand for documentary proof validating the debt, the alleged balance, and the legal authority of any party to collect or report this account. I have never been provided the documentation required to substantiate these claims. 

The collectors communication offers payment options without first establishing lawful ownership, chain of title, or verification of the alleged obligation, which is improper. 



Specific Demands for Documentation ( First Formal Request ) I demand that the collector and any alleged creditor produce the following documentation within the CFPB investigation period : XXXX. Full Accounting Ledger XXXX complete transactional accounting from account origination through present All charges, payments, credits, interest, fees, adjustments, and write-offs Reconciliation explaining the current amount allegedly owed XXXX. Proof of Disbursement & Original Obligation Documentary proof that XXXX XXXX XXXX XXXXXXXX. actually extended credit Evidence of disbursement of funds and contractual terms relied upon Copy of the original agreement governing the account XXXX. Chain of Title / Ownership Proof Complete chain of title from XXXX XXXX XXXX XXXX. to XXXX XXXX XXXX All assignments, bills of sale, schedules, and transfer documents Dates of each transfer and consideration paid Proof that the specific account referenced was included in any sale XXXX. Authority of Halsted Financial Services Proof Halsted Financial Services has current legal authority to collect on this account Copy of the servicing or collection agreement authorizing Halsted to act Identification of the principal on whose behalf Halsted is acting XXXX. Loss Recognition & Write-Off History Documentation showing whether the account was charged off or written off Evidence of any loss recognized by the original creditor Disclosure of whether the account was sold, securitized, or otherwise derecognized XXXX Credit Reporting Accuracy & Deletion Claims The collectors communication references policies suggesting tradeline deletion upon satisfaction of an account. I demand : Proof of any agreement or policy authorizing deletion Clarification of which entity is reporting ( XXXX XXXX XXXX  or both ) Proof that any entity reporting this account has lawful authority to do so XXXX. Contract & Signature Validity Proof of a valid, enforceable agreement Wet-ink signature evidence, if claimed Disclosure that electronic signatures alone do not establish ownership, funding, or standing Reporting & Collection Dispute Until the above documentation is produced, the alleged debt is unverified and disputed. Continued collection activity or credit reporting without substantiation constitutes inaccurate and misleading practices. 

Offering payment arrangements prior to verification is improper and places consumers at risk of paying entities without lawful standing.

Company response to consumer: Closed with explanation