Consumer complaint received 2025-03-18 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/year> Halsted Financial Services Current Creditor : XXXX XXXX Original creditor : XXXX XXXX XXXX Re : Request for Debt Validation, Cease & Desist, and Removal To Whom It May Concern, I am writing to dispute the debt referenced account ending XXXX in your recent communication with me. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting full validation of the debt. Specifically, I am invoking my rights under 15 U.S.C. Section 1692g ( a ), which grants me the right to request validation and verification of any debt, and 15 U.S.C. Section 1681s-2 ( b ), which provides protections related to the reporting of information to credit reporting agencies.

As per 15 U.S.C. Section 1692g ( b ), I request that you provide verification of the debt, including but not limited to the following documents : - A copy of the original signed contract or agreement between myself and the original creditor. 
- An itemized statement of debt from the original creditor, showing all transactions, payments, and interest accrued. 
- Documentation of the purchase or loan agreement, including the date the debt was incurred, the amount, and any applicable fees. 
- A detailed account history, including the account number and proof of the chain of assignment ( if applicable ) from the original creditor to your agency. 

Please note that an itemized statement alone from the original creditor is insufficient under the FCRA if it does not include all the necessary supporting documentation outlined above. 

Under the FDCPA and FCRA, I request that you cease any and all communication with me and any family members concerning this debt. This includes, but is not limited to, any further phone calls, letters, or any other forms of communication. Please confirm in writing that you have acknowledged this request and will comply with it. 

As per 15 U.S.C. Section1681s-2 ( b ), if you are unable to provide sufficient documentation to validate this debt, I request that you immediately cease reporting any information related to this debt to the credit bureaus and remove any entries from my credit report. If the information can not be verified, you are required to delete any such information from my credit report in accordance with 15 U.S.C. Section 1681i. 

If you are unable to provide all requested documentation, including the purchase agreement, original signed contract, and proof of assignment, I expect that all references to this debt will be removed from my credit report and that all collection attempts will cease immediately. 

Please provide the requested documentation within 30 days of receipt of this letter, as required by 15 U.S.C. section1692g ( a ). Failure to respond in the required timeframe will be considered a violation of my rights under both the FCRA and FDCPA. 

If you fail to validate this debt as per the legal requirements, or if the debt can not be substantiated with the proper documentation, I will consider the matter closed and will pursue all available legal options to protect my rights under the law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and disputing this entry with the credit reporting agencies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation