Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Monterey Financial Services LLC
State: MI

Complaint narrative:
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 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  RE : Formal Dispute of Inaccurate and Unverifiable Information under FCRA and XXXX XXXX XXXX Dear Credit Reporting Agency, I am formally disputing the accuracy and completeness of the following accounts being reported on my credit file. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and the XXXX XXXX reporting guidelines, you are required to ensure that all information reported is accurate, complete, and verifiable. The following accounts are not being reported in compliance with XXXX XXXX standards and contain inaccurate and/or unverifiable information : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX. 

Acct # : 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  Basis of Dispute : The accounts listed above are reporting inaccurate, incomplete, and unverifiable information. 

They fail to meet the XXXX XXXX compliance requirements including proper reporting of status codes, dates of first delinquency, account type classifications, and current balance/payment history. 

Under FCRA 602 ( A ), consumer reporting agencies must adopt reasonable procedures to assure maximum possible accuracy of the information they report. These accounts do not meet that requirement.

Under FCRA 611 ( 15 U.S.C. 1681i ), I am requesting a reinvestigation. If the furnisher can not provide documentation proving the accuracy of the reporting, you must delete the account from my credit file.

Demand for Action : I am demanding that you : 1. Conduct a reasonable reinvestigation into each of the disputed accounts.

2. Provide me with copies of all documentation used to verify these accounts.

3. If the accounts can not be fully verified and corrected to comply with XXXX XXXX standards, you must delete them from my credit report. 


Please complete this reinvestigation within the legal timeframe of 30 days as mandated by the FCRA. If you fail to comply, I will be forced to pursue all available remedies under federal law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal action. 

Enclosed are copies of my identification and proof of address to assist in this process. 

I expect a full response in writing upon completion of your reinvestigation. 

Sincerely, 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 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

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