Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: GA

Complaint narrative:
XX/XX/XXXX: FORMAL DISPUTE, REQUEST FOR DEBT VALIDATION, CEASE OF COMMUNICATION, AND FCRA/FDCPA COMPLIANCE NOTICE To Whom It May Concern, I am writing to formally dispute the validity and accuracy of the alleged debt referenced above. This correspondence serves as a request for validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXX, and notice of dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX. XXXX. Debt Validation Request ( FDCPA 15 U.S.C. XXXX ) Under 15 U.S.C. XXXXg, I am exercising my right to request validation of this alleged debt. You are required to provide : Verification that I am legally obligated to pay this debt ; The name and address of the original creditor ; A complete chain of title demonstrating lawful ownership of the debt ; A copy of the original signed agreement or contract bearing my signature ; An itemized breakdown of the alleged debt, including principal, interest, fees, and payments ; Proof that your agency has authority to collect this debt in my jurisdiction. Until proper validation is provided, you are required to cease all collection activity regarding this account. XXXX. Dispute of Credit Reporting ( FCRA 15 U.S.C. XXXX ) Pursuant to 15 U.S.C. XXXX, I hereby formally dispute the accuracy and completeness of any information you have furnished or may furnish to any consumer reporting agency, including but not limited to XX/XX/XXXX, and XX/XX/XXXX You are hereby instructed to : Immediately conduct a full reinvestigation of this alleged account ; Cease reporting any unverifiable, inaccurate, or incomplete information ; Remove or correct any disputed entries until full verification is completed. Failure to properly reinvestigate and correct inaccurate reporting constitutes a violation of federal law. XXXX. Cease and Desist Communication Instructions Under the Fair Debt Collection Practices Act, I hereby demand that you : Immediately cease all telephone communication with me, my workplace, family members, or third parties ; Direct all future communication strictly in writing via certified mail only to the address listed above ; Refrain from any further contact except as required for legal compliance under federal law. XXXX. Notice of Compliance Requirement You are hereby placed on notice that continued collection activity, reporting of unverified information, or failure to comply with the statutory obligations outlined above may result in complaints being filed with : The Federal Trade Commission ( FTC ) The Office of the State Attorney General And any other applicable regulatory or legal authorities This is not a refusal to pay, but a formal demand for lawful validation and verification of the alleged obligation. All rights are expressly reserved under the FDCPA, FCRA, and all applicable state and federal laws. Sincerely, XXXX XXXX

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