Consumer complaint received 2025-02-25 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: Monterey Financial Services LLC
State: VA

Complaint narrative:
XXXX. Account name : XXXXXXXX XXXX XXXX - This account was created by x spouse who taken my identity while on active-duty orders in military. 
Account number : XXXX Original creditor : XXXX XXXX Account number : XXXX Date opened XXXX XXXX, XXXX Open/closed Status updated : XX/XX/XXXX Account type Credit card Status : Account charged off. $ XXXX off. {$XXXX} past due as of XX/XX/XXXX. 
Balance : {$XXXX} Balance updated : XX/XX/XXXX Credit limit : {$XXXX} Last Payment Date : XX/XX/XXXX Past due amount : {$XXXX} : Highest balance : {$XXXX} XXXX. Collection Agency : XXXX XXXX- This account is fraud as well I was never joint on any account with my consent or knowledge Original Creditor Name XXXX XXXX XXXX XXXX XXXX Assigned : XX/XX/XXXX Original Amount Owed : {$XXXX} Amount {$XXXX} Status Date XX/XX/XXXX Status XXXX  Balance Date XX/XX/XXXX Account Designator Code XXXX Account Number # # # # # XXXX Creditor Classification XXXX  Last Payment Date Date of First Delinquency XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX This account XXXX supposed to be taken off credit from creditor Account number XXXX Date opened XX/XX/XXXX Closed Status updated XX/XX/XXXX Account type Auto Loan Status Paid in settlement. $ XXXX off XXXXXXXX XXXX XXXX XXXX This account is fraudulent Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$XXXX} Account number : XXXX Original creditor SRP XXXX XXXX XXXX Company sold Date opened : XX/XX/XXXX Status updated XX/XX/XXXX Account type Collection Status : Collection account. {$XXXX} past due as of XX/XX/XXXX. 

XXXX. XXXXXXXX XXXX XXXX XXXX CLOSED ) Account Number XXXX XXXX Reported Balance {$XXXX} Account Status PAYS_AS_AGREED Available Credit {$XXXX} High Credit {$XXXX} Payment Responsibility XXXX XXXX XXXX {$XXXX} Account Type XXXX  Terms Frequency MONTHLY Term Duration Balance {$XXXX} Date Opened XX/XX/XXXX Amount Past Due Date Reported XX/XX/XXXX Actual Payment Amount {$XXXX} Date of Last Payment XX/XX/XXXX Date of Last Activity XX/XX/XXXX Scheduled Payment Amount Months Reviewed XXXX Delinquency First Reported Activity Designator PAID_AND_CLOSED. 

XXXX XXXX  XXXX ( CLOSED ) - no knowledge of this account fraudulent Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your XXXX XXXX. It's calculated by dividing an account 's reported balance by its credit limit. 
Account Number XXXX XXXX Reported Balance {$XXXX} Account Status PAYS_AS_AGREED High Credit {$XXXX} Payment Responsibility XXXX  Credit Limit Account Type XXXX  Terms Frequency XXXX  Term Duration Balance {$XXXX} Date Opened XX/XX/XXXX XXXX XXXX  XXXX Last reported XX/XX/XXXX {$XXXX} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX- XXXX XXXX XXXX  Opened XX/XX/XXXX ( XXXX mos ) Account status Open

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation