Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
Subject : Formal Debt Validation Demand Pursuant to 15 U.S.C. 1692g ( b ), 15 U.S.C. 1681s-2, UCC 3-501 & 9-210, and Related Authorities To Whom It May Concern : This letter is a formal request for debt validation and dispute of the alleged obligation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), submitted within 30 days of your initial communication.

I hereby exercise my legal right to request complete and proper validation of the alleged debt and demand immediate cessation of all collection activity until full compliance is achieved. 


-- - I. DEMAND FOR COMPLETE DEBT VALIDATION In accordance with 15 U.S.C. 1692g ( b ) and related law, you are required to provide the following documentation : 1. Name of the original creditor and current owner of the alleged debt ; 2. A complete itemized accounting of the alleged amount, including : Principal Interest Fees Collection costs Any payments, offsets, charge-offs, or insurance settlements applied ; 3. A copy of the original signed contract or promissory note bearing my original wet-ink signature as required under UCC 3-501 ( b ) ( 2 ) ; 4. Chain of title and proof of legal standing, including assignments or transfers under UCC 9-210 and Lujan v. Defenders of Wildlife, 504 U.S. 555 ( 1992 ) ; 5. Proof that the account has not been paid, discharged, settled, or satisfied through third-party transactions, insurance, or accounting mechanisms ; 6. Your debt collection license, bond information, and proof of compliance with federal and state registration requirements ; 7. A sworn affidavit from a person with firsthand knowledge attesting to the alleged debt 's validity, amount, and enforceability.

-- - II. LEGAL BASIS FOR THIS DEMAND You are hereby placed on notice that failure to comply may constitute multiple violations of federal law, including but not limited to : FDCPA Violations : 15 U.S.C. 1692e Prohibits false, deceptive, or misleading representation ; 15 U.S.C. 1692f Prohibits unfair or unconscionable means to collect ; 15 U.S.C. 1692g ( b ) Requires debt collectors to cease collection until proper validation is provided ; FCRA Violations : 15 U.S.C. 1681s-2 Furnishers of credit information must report accurate and verifiable data ; 15 U.S.C. 1681i Consumers have the right to dispute and request reinvestigation of inaccurate data.

DoddFrank Violations : 12 U.S.C. 5531 & 5536 Prohibit unfair, deceptive, or abusive acts or practices ( UDAAP ) ; 12 U.S.C. 5565 Authorizes CFPB to pursue remedies for violations, including restitution and civil penalties.

Gramm-Leach-Bliley Act : 15 U.S.C. 68016809 Governs the protection of nonpublic personal financial information.

Uniform Commercial Code : UCC 3-501 Entitles a party to request presentment and proof of obligation ; UCC 9-210 Permits demand for a full accounting of obligation in secured or transferred debts.

-- - III. SUPPORTING CASE LAW You are further advised that the following legal precedents uphold my right to demand validation and dispute unverified or improperly reported debt : Spears v. Brennan, 745 N.E.2d 862 ( Ind. Ct. App. 2001 ) Debt buyer must produce the original contract and account-level documentation.

Clark v. Capital Credit & Collection Servs., Inc. , 460 F.3d 1162 ( 9th Cir. 2006 ) FDCPA violations exist regardless of intent if misstatements are made.

Heintz v. Jenkins, 514 U.S. 291 ( 1995 ) FDCPA applies even to attorneys collecting debts via litigation.

Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) Credit bureaus and furnishers must conduct reasonable investigations.

Fields v. Wilber Law Firm, 383 F.3d 562 ( 7th Cir. 2004 ) Accurate breakdown of amounts must be disclosed to avoid deception.

-- - IV. NOTICE OF ARBITRATION & PRESERVATION OF RIGHTS Please be advised that I hereby elect private arbitration regarding any dispute over this alleged debt, if such a clause is present in any original agreement. I also reserve all rights under the Truth in Lending Act, Federal Trade Commission Act, and any applicable state consumer protection statutes.

Furthermore, if you have reported this account to any credit reporting agency, such reporting must be marked as disputed by consumer under 15 U.S.C. 1681s-2 ( a ) ( 3 ) and must not continue without verification under 1681s-2 ( b ).

Any attempt to continue collection without fulfilling these requests shall be construed as intentional malice, bad faith, and willful noncompliance and may be referred to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), State Attorney General, and other oversight bodies.

-- - No phone calls are authorized. All future communications must be in writing. I demand full legal compliance and await your prompt, verifiable response.

Respectfully,

Company response to consumer: Closed with explanation