Debt collection -- Attempts to collect debt not owed -- Complaint #13817141
Complaint Overview
Complaint ID: 13817141
Company: Monarch Recovery Holdings, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Colorado
ZIP Code: 80249
Date Received: 2025-05-30T12:00:00-05:00
Date Sent to Company: 2025-05-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaint because the following account have been inaccurately reported and continue to damage my credit profile despite my formal disputes and lawful requests for deletion : XXXX. XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Charge-Off Balance : {$1600.00} Loan Type : Credit Card Issue : This charge-off is inaccurately reported. I requested validation and deletion under FCRA 1681i and FDCPA 1692g. No sufficient verification was provided. This continued reporting violates the law. DELETE THE FOLLOWING ACCOUNT FROM YOUR RECORDS AND FROM ALL CONSUMER REPORTING AGENCIES IMMEDIATELY : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Failure to respond satisfactorily and to delete these inaccurate, unverified, and harmful entries will result in legal action under the following consumer protection laws : 15 USC 1681n Civil liability for willful noncompliance with the FCRA 15 USC 1681o Civil liability for negligent noncompliance 15 USC 1681s-2 Furnishers must report accurate information 15 USC 1692g ( b ) Debt collectors must validate debt upon request Defamation of Character ( per se ) Negligent Enablement of Identity Fraud You have now been put on notice that the information is inaccurate. Continued reporting of this erroneous data constitutes willful noncompliance. You are harming me and my family with these errors. This is your final opportunity to cure. You have XXXX calendar days from the receipt of this complaint to remove this account. Failure to comply will result in a formal lawsuit for damages under the above statutes, including {$1000.00} per violation.
Frequently Asked Questions
What is Complaint #13817141 about?
Complaint #13817141 was filed against Monarch Recovery Holdings, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-05-30T12:00:00-05:00.
How did Monarch Recovery Holdings, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Monarch Recovery Holdings, INC.?
Yes, visit the Monarch Recovery Holdings, INC. company profile at readthecomplaint.com/company/monarch-recovery-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.