Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
In XX/XX/year>, Monterey Collection Service began negatively reporting on my credit file. In XXXX of 2024, I sent certified mail correspondence to Monterey Collection Service requesting proof of why they had a derogatory reporting on my credit file, and the request was not satisfied ; instead, they returned a response with a third-party reporting agency record. Again, violating my privacy. As a result, I have suffered. My request clearly demanded the following : DEMAND : I hereby DEMAND that you provide me ALL of the following verified ( sworn to by a signed and notarized affidavit under penalty of perjury which is attached to this notice ) documentary evidence in substantiation of your alleged debt claim. 

XXXX. CERTIFICATION OF AUTHORITY : Please provide ( a ) : verified certificate of authority, or fictitious/assumed name certificate from the State of Florida authorizing your firm, Monterrey Collection Services LLC to transact business in the State of Florida. As of the date of this correspondence, this information is not verifiable. 
( b ) : your license number ( XXXX ) and Registered Agent. 
2. BUSINESS LICENSE : Show proof you have authorization to do business in my state.

3. AUTHORIZATION CONTRACT : Please send me a verified ( sworn to by Affidavit ) copy of the contract your firm has with the original creditor authorizing your firm to engage in collection activities on their behalf against the above alleged account, and naming you as an authorized collection agent/claims adjuster. 

XXXX. AFFIDAVIT OF CLAIM : Please send me a commercial affidavit, sworn to be true, correct, and complete, upon the commercial liability of a properly identified officer employee, or agent, hereinafter Affiant, stating that : a. ) said creditor is the HOLDER IN DUE COURSE of the above referenced account.

b. ) Affiant is authorized to ASSERT A CLAIM on behalf of the alleged original Creditor.

c. ) Affiant has PERSONAL FIRST HAND KNOWLEDGE regarding the fact of the alleged account and is the original CUSTODIAN of the books of entry, or directly supervises said original CUSTODIAN of the records.

5. ORIGINAL CONTRACT : Please send me a verified copy both FRONT and BACK of the alleged ORIGINAL contract/agreement/promissory note in its entirety, including any application, accompanied by a commercial affidavit, sworn to be true, correct, and complete, upon the commercial liability of a properly identified and authorized officer, employee, or agent of the alleged original creditor who states that he/she has PERSONAL FIRST HAND KNOWLEDGE that said front and back verified copy is that of the original alleged contract/agreement/promissory note.

6. COMPLETE BOOKKEEPING ENTRIES : Please provide the original account and general ledger statement showing the full accounting of the alleged obligation you are attempting to collect has not been paid, accompanied by a commercial affidavit by the original CUSTODIAN of the books and records sworn to be true, correct, and complete, upon his or her commercial liability.

7. Please verify under penalty of perjury, that as a debt collector, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original alleged creditor.

NONE OF THE ABOVE-REQUESTED ITEMS WERE FURNISHED.

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