Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monarch Recovery Holdings, Inc.
State: NY

Complaint narrative:
THIS DEBT IS INACCURATE XXXX XXXX XXXX XXXX '' This is a formal request for validation and proof of authority to collect on the alleged debt you claim I owe. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). You are hereby required to provide all of the following documentation and me to receive them within 4 days of receiving this letter : 1. Proof that the alleged debt has been securitized ; 2. A complete copy of the purchase agreement or forward flow agreement, including all terms and conditions, Between your company and the original creditor ; 3. If you are acting on behalf of the original creditor, the fully executed agreement between your company and the original creditor, authorizing you to collect this specific debt ; 4. Evidence of chain of title ( UNBROKEN ) and legal standing to collect ; 5. The original signed contract creating the obligation, with terms and conditions ( No billing statements are accepted ) CEASE COMMUNICATIONS : As of this notice, you are prohibited from contacting me in any manner unless your communication includes all & only the specific items requested above received within 4 days ( THIS MUST BE WRITTEN COMMUNICATION ONLY ). ANY OTHER communication including but not limited to additional collection notices, account updates, threats, settlement offers, phone calls, sending a billing statement, language about anything other than what was requested, or emails will be considered a direct violation of 15 U.S.C. 1692c ( c ) and 15 U.S.C. 1692e. ( Violation of the cease all communications ) Furthermore, if you can not provide all of the requested documentation within 4 days : - You are to immediately delete any and all reporting related to this alleged debt from all consumer reporting agencies ( CRAs ), pursuant to your responsibilities under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( b ). ( Estoppel by silence means you had a chance to speak but didnt )- You are to cease all collection activities permanently ; The courts have stated that credit reporting is a form of communication - You are to refrain from any further communication of any kind with me ; ( Cease all Communications ) ( I refuse to pay any debt you claim I owe ) ( All items must be from your company or you violate the cease communications if someone else sends it ) ( reporting on a consumer report is a form of communication ) - You must Immediately comply with the above. ( Nothing else will be accepted after 4 days when you receive this letter ) ( Anything sent after the 4 day window will violate the cease all communications ) Any non-compliance or improper communication will be considered willful misconduct and may subject your agency to civil liability under 15 U.S.C. 1681n ( FCRA ) and 15 U.S.C. 1692k ( FDCPA ), including because ( XXXX XXXX XXXXXXXX ) is the one reporting the account to the credit reporting agencies and no one else. You must either ( 1 ) provide all requested documents within 4 days or cease reporting and contact altogether. There is no third option. Date : XXXX XXXX BE DELETED IMMEDIATLEY. -- -- -- -- -- -- -- -- -- -

Company response to consumer: Closed with explanation