Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Halsted Financial Services, LLC.
State: NY

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Final Notice Demand for Proper Reinvestigation and Method of Verification under XXXX XXXX Compliance and FCRA Dear Consumer Relations, This letter serves as my formal final demand for a proper reinvestigation and written method of verification regarding the following account ( s ) appearing on my consumer credit file : Creditor Name : Upgrade Account Number : XXXX Type : Charge-Off Balance : {$12000.00} Violation : Duplicate reporting by original creditor and debt collector, and failure to include the required Account in Dispute remark as mandated by XXXX XXXX standards and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 

Creditor Name : Halstead Financial Account Number : XXXX Type : Charge-Off/Collection Balance : {$12000.00} Violation : Duplicate reporting by original creditor and debt collector, and failure to include the required Account in Dispute remark as mandated by XXXX XXXX standards and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 

Creditor Name XXXX XXXX Account Number : XXXX Type : Charge-Off Balance : {$4300.00} Duplicate reporting by original creditor and debt collector, and failure to include the required Account in Dispute remark as mandated by XXXX XXXX standards and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 

Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Type : Collection Balance : {$4300.00} Violation : Duplicate reporting by original creditor and debt collector, and failure to include the required Account in Dispute remark as mandated by XXXX XXXX standards and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 

Your prior response failed to meet the legal and procedural requirements of a lawful verification under the Fair Credit Reporting Act ( FCRA ), specifically 1681i ( a ) ( 1 ) ( A ) and 1681s-2. Metro 2 data reporting standards require that all reported information be complete, accurate, and verifiableduplicate or inconsistent reporting violates these provisions. 

A generic verified notation or submission of ordinary billing statements does not satisfy the statutory requirement of verification under 15 U.S.C. 1681i ( a ) ( 7 ) and UCC 3-501 ( b ) ( 2 ). Lawful verification requires the original signed instrument or contract establishing the debt and demonstrating a valid chain of title from the original creditor to the current furnisher. Absent that documentation, the information is unverifiable and must be deleted immediately from all consumer reporting agencies.

Pursuant to 15 U.S.C. 1681e ( b ) and Metro 2 compliance obligations, you must ensure that all data furnished is 100 % accurate and not misleading. If you can not certify the accuracy and legitimacy of this account within four ( 4 ) business days of receipt of this notice, you are required to delete or correct all related tradelines and submit written confirmation of such actions. 
Additionally, this correspondence serves as a Formal Cease and Desist Notice under 15 U.S.C. 1692c ( c ) ( FDCPA ) and UCC 1-308, reserving all rights without prejudice. You are hereby instructed to cease any and all collection activity, reporting, or dissemination of this disputed account until lawful reinvestigation and verification are completed in full compliance with federal law. 

Failure to comply will result in formal regulatory complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), State Attorney General, and Consumer Protection Division for willful noncompliance, negligence, and violations of my rights under the FCRA, FDCPA, and UCC. Please provide : 1. Your complete method of verification ; 2. The name, address, and contact
information of the original and current furnisher ; and 3. An updated consumer report reflecting deletion or correction of the account ( s ) within 4 business days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation