Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Monterey Financial Services LLC (TX)

I am XXXX XXXX, and I am submitting this claim myself and no third party is involved in thismatter. I, XXXX XXXX, a natural person, have been injured because of XXXX 's unfair and inaccurate reporting of an alleged debt. The amount of the alleged debt has been changing, but the last amount I received was {$2900.00} ) XXXX along with Monterey Collections Services ( AKA Monterey Collections ) has tried to coerce me into paying this alleged debt by reporting it as accurate and complete. 

On XXXX 2022 I became aware of an alleged debt collection when it showed up on my XXXX credit report. Instead of notifying me of this alleged debt, Monterey Collections Svcs just reported it to XXXX and had XXXX put it on my credit report. I have initiated disputes With XXXX multiple ways including but not limited to snail mail and phone. When I initiated the dispute via phone, within1 hour the information came back as updated and validated. XXXX advised me to dispute the debt with Monterey collections. I have told this collection agency that I dispute the alleged debt and asked multiple times for debt validation and they have not met myrequest. ( Please see my last letter to them and the certified mail receipt attached ). Monterey Collection Services has violated my rights under 15 USC 1681s-2 as well as my rights under the FDCPA. 

I have disputed the debt with XXXX via mail and via phone, and let them know that I need detailed information. I do not recognize this alleged debt and no one can seem to validate it. XXXX keeps statingit 's verified and updated. 

On XX/XX/2022 I mailed XXXX a letter requesting the description of the procedure they used to reinvestigate the item placed on my report. They have not sent me anything, essentially ignoring myrequest, and violating my rights under 15 USC 1681i.I need the description of the procedure of the reinvestigation used by XXXX so that I can get the same details they have that supposedlyprove the alleged debt is accurate. 

Our financial system here in the USA depends on fair and accurate credit reporting. I am being harmed because negative items are showing up on my report and institutions are being harmed because they are reviewing inaccurate information about me which could be a costly decision for them based on erroneous information. 

My goal is to have accurate and complete information about me reporting. I can't get XXXX or Monterey Collections to validate this debt or give me any details as to why they keep reporting this negative account on my report ; I continue to ask : what is the allegeddebt for, how the amount was calculated, when was the debt incurred, when did it first become delinquent, and why they thinkI even owe it. The undue stress caused by this unfairreporting is affecting my mental health, as well as my financial health. 

XXXX XXXX Monterey Collection Svcs will not respond to me with anything other than a generic note stating the debt is valid. 

Thank you for your time in helping me solve this matter. 

XXXX XXXX Please see the following Exhibits Attached : XXXX File Number : XXXX Consumer report Exhibit A First letter Ever received from Monterey collections Exhibit B Last Letter to XXXXExhibit C Proof of deliveryExhibit D LastLetter to Monterey collectionsExhibit E Proof Of delivery : Exhibit F