I have a charge-off on my credit from " MONTEREY FINANCIAL SVC '' & " MONTEREY COLLECTION SVC '' which I never even applied for. I was sent a letter from Monterey Financial Services Inc dated XXXX XXXX, 2014 saying that my credit application was denied. But again, I never applied for anything to this company or the application for " XXXX '' that they are referring to on their letter. I did attend a sales pitch meeting from XXXX but I did not purchase any of their vacation packages. Now my credit report is showing XXXX charge-offs from this company for {$4600.00} and {$3400.00} ; which like I mentioned above, I have never applied for to begin with.