Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: SC

Complaint narrative:
MONTEREY COLLECTION SV XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ( XXXX ) XXXX XX/XX/year> Original Creditor : XXXX XXXX XXXX XXXX RE : DEBT VALADATION OF ACCOUNT Account : XXXX To Whom It May Concern, I neither affirm, nor deny this purported debt. You claim I owe your company thousands of dollars. 

This letter is being sent to you in a response to an entry that was made on my Credit Report. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is being requested.

Under the Fair Debt Collections Practices, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above name Title and Section of the Fair Debt Collection Practices Act. 


Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this require under the laws of state and federal statutes.

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed?

I required compliance with the terms and conditions of this letter within 15 days of this letter being receipt, or a complete removal from all four credit bureau reporting agencies from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charge and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. 

In addition, the Fair Credit Reporting Act states that while this item is being investigated, you must indicate to the bureau that the account is under investigation and is under dispute and will remove/cease from reporting this information to the Credit Reporting Agencies until full validation has been completed. 

I have sent a copy of this request for validation to the four national Credit Reporting Agencies to begin their 15 day investigational process concurrent with your investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX CC : XXXX XXXX, XXXX

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