Lockhart, Morris & Montgomery Inc.

This complaint also serves as my formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) to Lockhart XXXX Morris & Montgomery. My attached letter specifies the full list of records that must be provided to establish legal standing and balance accuracy, including : The original signed contract or agreement, A full itemized account history, Documentation proving Lockhart XXXX Morris & Montgomery owns the debt, The purchase or assignment agreement, and All prior notices, including the validation notice required under XXXX U.S.C. XXXX ( a ). By submitting this through the CFPB portal, I am ensuring that this request is documented, transmitted, and subject to regulatory review. Transparency and legal verification are core consumer rights, and I expect Lockhart XXXX Morris & Montgomery to respond in full. In addition, to protect my rights under the Fair Credit Reporting Act ( FCRA ), I am also disputing the accuracy and completeness of the account.…

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I am submitting this complaint regarding a collection account being reported by Lockhart , Morris & Montgomery ( Account # XXXX ). I formally requested validation of this alleged debt, including the original signed contract, complete payment history, balance calculation, proof of assignment, and the method of verification used to confirm the accuracy of the account. To date, the company has failed to provide any of the requested documentation. They have not produced a signed agreement, have not shown how the balance of {$140.00} was calculated, and have not provided any proof that they have the legal authority to collect or report this account. Despite this failure to validate, the account continues to be reported to the credit bureaus, including XXXX XXXX XXXX XXXX. Reporting information that can not be properly substantiated is inaccurate and incomplete.…

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I am submitting this complaint my request for immediate deletion of my personal information. The company has not verified any information associated with me, yet my personal data appears to have been collected, retained, or used without proper validation or authorization. I have not been provided with any confirmation that my identity or information was appropriately verified before being processed. I have requested that my personal data be deleted, but the company has failed to confirm that this has been completed. This raises serious concerns about improper data handling practices and the companys compliance with consumer protection and privacy obligations. I am requesting that Delete all personal information associated with me from all systems, including stored and archived data ; Cease any collection, use, or sharing of my information ; Provide written confirmation that my data has been fully deleted. I expect prompt resolution of this matter.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Formal Dispute of Alleged Debt To Whom It May Concern : This office represents [ Your Full Name ] regarding the above-referenced alleged debt. Be advised that my client formally disputes the validity, enforceability, and accuracy of this alleged obligation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and all applicable federal and state consumer protection laws. You are hereby notified that your claim is disputed in its entirety. Accordingly, you are hereby demanded to provide competent validation of the alleged debt, including but not limited to : The name and address of the original creditor ; The complete account history, including all charges, payments, fees, and interest calculations ; A copy of the original signed agreement or instrument bearing my clients signature establishing liability ; Documentation establishing your legal authority and standing to collect this debt, including any…

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I am filing a complaint regarding inaccurate credit reporting and failure to properly validate a disputed debt. The account in question is a Training Repayment Agreement associated with XXXX XXXX, reported by a third-party collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX The account is currently being reported on my credit file with a balance of {$2500.00}. The original XXXX XXXX XXXX dated XX/XX/year> lists a maximum repayment obligation of {$2000.00}. However, this amount is not supported by any itemized breakdown, cost documentation, or verification showing how the amount was calculated or whether it reflects actual, recoverable costs. The agreement itself does not provide sufficient detail to establish that the stated amount represents a legally or factually verifiable debt beyond a general contractual estimate.…

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Complaint XXXX : Lockhart , Morris & Montgomery , Inc . Related Company : XXXX XXXX XXXX XXXX. Account Number : XXXX Issue : Incorrect debt amount / failure to properly validate debt / inaccurate credit reporting Complaint : I am submitting this complaint regarding a debt being reported and collected by Lockhart , Morris & Montgomery , Inc. on behalf of XXXX XXXX XXXX XXXX. I formally disputed this debt and requested validation. The balance being reported includes a {$6000.00} remarketing fee that has not been supported by any itemized documentation or evidence of actual costs incurred. The equipment associated with this lease was voluntarily returned. The original termination invoice provided by XXXX XXXX reflects {$0.00} in repossession fees and {$0.00} in excess damages. Despite this, a flat {$6000.00} remarketing fee was added without any explanation or supporting documentation.…

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Date : XXXX XXXX, 2026 To : XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Account Number XXXX Dear Sir/Madam, I am formally requesting that you immediately cease and desist all communication and collection activity regarding the above-referenced account. This letter serves as notice that I dispute this alleged debt. You are hereby instructed to stop all contact with me, including phone calls, emails, text messages, and written correspondence, except for any legally required notices. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am revoking any consent for continued communication and demanding that all collection activity regarding this account be terminated immediately. Additionally, I request written confirmation that you have received this notice and that all collection efforts have ceased. Any further contact after receipt of this letter will be considered a violation of my rights under applicable federal law.…

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XXXXI am submitting this complaint regarding a debt being reported and/or collected related to alleged training costs by XXXX XXXX The supposed debt has since been sold to Lockhart, Morris and Montgomery. XXXXI was employed by XXXX XXXX as a trainee. During my very first week of training, the company abandoned me several states away from home without providing work, transportation, or any reasonable means to continue employment. XXXX was left stranded for approximately five XXXX days with no support from the company. During that time, I made attempts to resolve the situation and continue working but was unable to do so due to the companys failure to provide assistance or direction.XXXXAs a result, I was forced to borrow money from a family member to return home.…

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I am filing a complaint against LMMINC regarding inaccurate, inconsistent, and misleading reporting of a collection account on my credit report. This account, originally from XXXX XXXX, is currently being reported with significant inconsistencies across the credit bureaus. Specifically : * The account is reported as open on one bureau and closed on others * The dispute status is not consistent across all bureaus * Key account details such as dates and account status vary These inconsistencies raise serious concerns regarding the accuracy and reliability of the information being reported. Additionally, this is a medical collection account, which is subject to strict reporting requirements. The current reporting appears incomplete and misleading.…

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On XX/XX/year>, I sent a debt validation request via certified mail to Lockhart Morris & Montgomery regarding a collection account being reported on my credit report. The letter was successfully delivered, which I can prove with tracking. In my request, I asked for full validation of the debt, including documentation proving I am legally responsible, the original contract, and a breakdown of the amount owed. The company failed to respond and did not provide any of the requested documentation. Despite failing to validate the debt, they continue reporting this account to XXXX, which is inaccurate and misleading. Because the debt has not been validated, it should not be reported. I am requesting that this account be removed from my credit report immediately or that proper validation be provided.

Section ( 609 ) this latter is formal complaint that you are reporting inaccurate and incomplete credit information according to the fair credit reporting act section 6.09.a1.a you are required to by federal law to verify through physical verification of the original signed contract any and all account that you post a credit report otherwise anyone paying you for your debt is probably fraudulent I demand to see a verified proof IF YOU FAIL TO VALIDATE REMOVE IT IMMEDIATELY

I am filing this complaint regarding a medical debt of {$3200.00} that is being reported under my name. I formally requested verification of this debt in writing from both the medical provider ( XXXX ) and the lockheart collection agency, including a final follow-up email when I did not receive a response from either. In my requests, I asked for the dates of service, an itemized billing statement, proof the debt is mine, and documentation of any insurance billing. Despite multiple attempts, including my final email, I have not received any response or documentation from either party. The account continues to be pursued and/or reported on my credit report without proper validation. This lack of response and failure to provide verification is preventing me from confirming the accuracy of the debt. I am requesting that the company provide full validation of the debt or remove the account from my credit report if they are unable to verify it.

I am submitting a complaint regarding improper debt collection and inaccurate credit reporting by Lockhart Morris & Montgomery. This company recently placed a collection account on my credit report for XXXX that I do not recognize. I have never received any prior written communication, validation notice, or documentation regarding this alleged debt before it was reported. Additionally, the account is being reported inaccurately. Lockhart Morris & Montgomery is listed as the original creditor, which is incorrect, as they are a third-party collection agency and not the original creditor. The account also contains inconsistent and misleading date information. I appears to reference and alleged debt from XXXX, while reporting a recent account opening date in XXXX. I have disputed this account with the credit bureaus and the XXXX and requested verfication. I request to remove this account from all credit reporting agencies if proper validation can not be provided.…

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LOCKHART, MORRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research LOCKHART, MORRIS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. The account below is incorrect : Creditor/Collection Agency : XXXX XXXX XXXX XXXX Account Balance : {$3000.00} Reported Open Date : XX/XX/XXXX This account is being reported as a newly opened collection in XXXX. However, the original delinquency for this account occurred in XX/XX/XXXX. By reporting this account with a recent open date, it appears that the account may have been improperly re-aged. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate reporting of the Date of First delinquency. Because this information is inaccurate, I request the Removal of this account entirely. Please investigate this matter and correct or delete this account promptly. I request that you provide me with written confirmation of the results of your investigation.

I caught up with monthly payments in XXXX loans in XXXX. I never received any more monthly payments so I thought my payments was on good track m I called XXXX loans multiple times they kept saying my months was caught up.m I spoke to many agents so the calls should be recorded that I called. I was told by agent the next bill was due in XXXX. I called in XXXX then another agent said it was closed and sent over to collections. I never received a letter or notice and not even a call. This collection company I believe is a scam they reported on my credit twice never called or sent a letter. They broke the law of never sending me a notification. Plus the previous loan company gave me miss representation from many agents .when I went online my account was open. So it was showing still active. Now after I call in XXXX now it's saying account closed I shouldn't pay over XXXX. Plus the other company is doing fraudulent things on my credit report they are reported twice.…

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I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

LMMINC is falsely reporting on my credit. I have never had any accounts with them. Per my research LMMINC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

I submitted a letter to have them validate the debt on my cr report. Instead of replying as legally required, they removed the debt listed as individual account and instead are listing it as a joint account. They are using illegal tactics to damage my credit and are changing details of the reporting to make it look like they are different accounts to get around it.

Collection Notice Details Recently, I received a collection notice from a firm seeking to collect a {$980.00} balance. This notice arrived after XXXX XXXX had attempted to dispute the charge on my behalf. Concerns Regarding the Debt I have not received any procedures at the facilities in question that would justify this bill. Furthermore, even if such a procedure had occurred, my insurance coverage should have covered any treatment-related expenses. Ongoing Impact and Request for Assistance Despite these facts, the entity continues to report this debt to the credit bureaus, resulting in further harm to my credit score. Because of this ongoing situation, I am seeking assistance to prevent continued harassment over a debt that I do not owe.

Validation of Debt Request - LMMINCXXXX XXXXXXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Validation of Debt Request - LMMINC/XXXX - XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

A third-party debt collections agency, LOCKHART MORRIS & MONTGOMERY , is reporting a medical debt collection account on my credit report in the amount of approximately {$1000.00}. This debt was previously disputed with a prior collections agency who sold the account to LOCKHART MORRIS & MONTGOMERY without resolving the dispute, potentially in violation of the Fair Debt Collection Practices Act ( FDCPA ). Under the Fair Credit Reporting Act ( FCRA ), all reported information must be accurate and verifiable. Given the history of this debt being transferred between collectors without dispute resolution, I have reason to believe the reported amount may be inaccurate or unverifiable. I am requesting that the CFPB require LOCKHART MORRIS & MONTGOMERY to validate this account and immediately remove it if it can not be fully verified from all credit bureaus.

LOCKHART, MORRIS & MONT is falsely reporting on my credit. I have never had any accounts with them. Per my research LOCKHART, MORRIS & MONT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

LMMINC is falsely reporting on my credit. I have never had any accounts with them. Per my research LMMINC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

LMMINC is falsely reporting on my credit. I have never had any accounts with them. Per my research LMMINC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.