Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC.
State: IL

Complaint narrative:
Dear CFPB Complaints Team, I am submitting this complaint regarding Halsted Financial Services, a debt collection agency that continues to contact me despite my opt-out request and despite the fact that I do not owe the alleged debt. 

I have received repeated emails from Halsted Financial Services attempting to collect a debt they claim originated with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ). I dispute this debt in its entirety and do not recognize it as mine. 

Additionally, I previously opted out of electronic communications and requested that they cease contacting me. Despite this, Halsted Financial Services continues to send collection emails, including the most recent email dated XX/XX/year>, offering payment plans and settlement options. 

Their continued contact after my opt-out request, as well as attempts to collect a debt I do not owe, appear to violate the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : * Continued communication after a request to cease or opt out * Attempting to collect a disputed and unverified debt * Misleading and aggressive collection practices I am requesting that the CFPB investigate this matter and require Halsted Financial Services to : 1. Cease all communications with me immediately 2. Provide proper validation of the alleged debt ( if they claim it is legitimate ) 3. Correct their records to reflect that this debt is disputed and not owed by me Attached is a ceast-and-desist letter To Whom It May Concern, This letter serves as formal notice that I dispute the validity of the alleged debt you claim I owe related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not owe this debt. 

You are hereby instructed to * * cease and desist all communications with me immediately * *, including but not limited to emails, phone calls, text messages, or any other form of contact, as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

I have previously opted out of electronic communications, yet your company continues to contact me. Any further contact from Halsted Financial Servicesother than written confirmation that collection efforts have ceased or that the debt has been verified as required by lawwill be documented as a potential violation of the FDCPA. 

If you contend that this debt is valid, you are required to provide proper debt validation, including : * The name of the original creditor * Proof that I am legally obligated to pay the alleged debt * Documentation bearing my signature or otherwise demonstrating my responsibility Until such validation is provided, you must stop all collection activity. 

Failure to comply with this notice may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General, as well as consideration of legal remedies available to me. 

Govern yourself accordingly. 

Sincerely, XXXX

Company response to consumer: Closed with explanation