Debt collection -- Attempts to collect debt not owed -- Complaint #15418737
Complaint Overview
Complaint ID: 15418737
Company: Monarch Recovery Holdings, INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Massachusetts
ZIP Code: 01420
Date Received: 2025-08-20T12:00:00-05:00
Date Sent to Company: 2025-08-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear CFPB, XXXX Account XXXX I am filing a complaint regarding a debt collection account that appears on my credit report without my knowledge or consent. I have no relationship with the company reporting this debt and was never notified or contracted with the original creditor. I dispute the validity of the alleged debt and formally request an investigation. Under my rights granted by the Fair Debt Collection Practices Act ( XXXX U.S.C. XXXX ( b ) ) and the Fair Credit Reporting Act ( XXXX U.S.C. XXXX et seq. ), I have demanded full validation of the debt, including : - [ x ] Original Credit Agreement proves the contract I signed - [ x ] Full Itemized Statement shows how the balance was calculated - [ x ] XXXX XXXX Agreement proves debt was legitimately transferred to collector - [ x ] Chain of Title / Assignment Documents shows proper legal transfer of debt ownership - [ x ] Payment History Records verifies payments made or missed - [ x ] Validation Notice per FDCPA XXXX USC XXXX proof they sent me proper notice - [ x ] Notice of Default or Intent to Collect proof of communication as required by law - [ x ] Proof of Statute of Limitations confirms the debt is still legally collectible - [ x ] Credit Reporting Agreement agreement allowing them to report to bureaus - [ x ] Documentation of Dispute Investigations proof they investigated my previous dispute under FCRA XXXX USC XXXX If these can not be provided, the debt is unverifiable and must be deleted. Continuing to report an unverified, disputed debt violates FCRA XXXX ( b ), XXXX ( b ) and may result in liability under FCRA XXXX and FDCPA XXXX. Furthermore, I submitted a cease and desist notice under FDCPA XXXX ( c ) / XXXX XXXX Code XXXX ( c ). Any continued contact without proper validation is considered harassment and a violation of federal law.
Frequently Asked Questions
What is Complaint #15418737 about?
Complaint #15418737 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 2025-08-20T12:00:00-05:00.
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.