Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Halsted Financial Services, LLC.
State: NY

Complaint narrative:
For a long time, I have been receiving harassing phone calls, text messages, and even a letter stated conflicting information about the owner of the alleged debt. The harassing phone callers are also asking associates, family, and strangers about my whereabouts, and disclosing private matters, that should only be communicated with me by letter, and no other methods. 

I received a letter from a collections agency stating I owe a balance. However, the letter stated a lender name that does not match the name on my XXXX credit report. The letter also stated other entity names that I do not recognize and have not engaged with or recognize. These is conflicting entity names that does not show on my credit report. 

XX/XX/year> : I submitted my first dispute on the XXXX credit bureau XXXX XXXX, because I did not recognize the alleged debt, and/or the conflicting information reflecting on my credit report. Additionally, there is no information at all about who owns the debt. On the credit report, for the account being disputed, it said XXXX balance ; and the alleged debt amount had been charged off/sold to an outside collections agency. There was no clear explanation on the credit report as to who owns the alleged debt, or did it state the name of any collections agency. In my first request, I requested for this negative item to be deleted/removed from my credit report. 

XX/XX/year> : My first dispute with XXXX Credit Bureau was completed. I called XXXX on XX/XX/year>,, and they said the amount is showing I owe XXXX balance for the account from the alleged lender reporting on my credit report. 

XX/XX/year> : I had issues logging into XXXX to view the decision from my first dispute. So, I called XXXX to understand the decision on my first dispute. XXXX customer service agent did not state clearly what has changed/updated on my credit report. However, the XXXX agent said the amount is still showing XXXX, and the alleged debt amount had been charged off/sold to an outside collections agency. There was no clear explanation on the credit report as to who owns the alleged debt, or the name of any collection agency. 

After my first phone call, I received an email with a credit alert that a new tradeline has been opened. I felt it was suspicious. I had not opened any tradelines. So which is why I called the XXXX agent a second time. I asked the agent for me to view my credit report online, because I am not being allowed online to see it when I log into my XXXX account. The agent on the phone said I am not allowed to view my credit report online even though I was logged in. And that I will have to wait 30 days or less to be able to view it again. 


The account reporting on my credit report is XXXX XXXX XXXX  as owner of debt, and the letter I received XXXX XXXX XXXXXXXX XXXX  as the owner of the debt, and now XXXX XXXX XXXX is the current owner of the debt. 

The letter states the debt collector is : HALSTED FINANCIAL SERVICES , LLC

Company response to consumer: Closed with explanation