Lockhart, Morris & Montgomery Inc.

I first called XXXX XXXX XXXX Solutions since they are listed as the original creditor on my credit report. They have no record of the account. They could not find my name or any info in their system. I contacted Lockhart, Morris, & Montgomery to provide information on the collection account of {$980.00}, with no results. I've called numerous times, but they were not willing to help. On XX/XX/year>, I disputed this collection account on all three credit report agencies. The only thing the dispute did was change the account type from joint to individual.

LOCKHART, MORRIS & XXXX # XXXX I am unaware of this debt, and didnt have the opportunity to dispute this debt. If you believe proper notification was provided, please produce a Certified Letter, with the receipt bearing my name with my signature on it. If not, please remove this off my credit report ASAP! I also will be making an unlawful non-compliance complaint.

On XX/XX/scrub> 2025, Lockhart , Morris & Montgomery , Inc. responded to CFPB Complaint No. XXXX. However, the company did not provide its response through the CFPB portal. Instead, the CFPB advised that the company sent its response directly to the consumer and provided a copy to the CFPB, while withholding the contents from the public complaint record. My original complaint requested debt validation under the FDCPA, including documentation sufficient to establish the validity of the alleged debt, the amount claimed, the identity of the original creditor, and Lockhart , Morris & Montgomery 's authority to collect the account. The purpose of the complaint was to obtain complete validation and ensure that all collection activity and credit reporting were supported by accurate and verifiable records.…

I am requesting validation of this alleged debt because I do not recognize it and require proof that I am legally responsible for the amount claimed. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ).

This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

I am disputing a collection account for {$2500.00} being reported and collected by Lockhart , Morris & Montgomery on behalf of XXXX XXXX. I previously disputed this account with both the debt collector and the credit reporting agencies. I requested documentation proving that I legally owe this debt, including proof that the specific conditions required to trigger the alleged {$2500.00} obligation were actually met. In response, I received a copy of an employment agreement containing a liquidated damages provision. However, neither XXXX nor XXXX XXXX provided documentation demonstrating that the contractual conditions required to impose the {$2500.00} charge were satisfied in my specific situation. They also failed to provide a detailed explanation showing how the debt became due and why it is legally enforceable. On XX/XX/year>, XXXX stated that the debt had been verified.…

I have XXXX debts on my credit report and i have filed disputes online and also sent in physical letter to the company with no response via mail. They deny the online disputes with no validation. I did however receive settlement offers via text from this company but they won't prove the debt is mine. All i'm asking is for information regarding the debt I have no information about along with the approval for them to collect the amount from me. I have never done business with this company.

I contacted collection company due to receiving a text message with this information called to confirm information and I informed them XXXX paid the bill. A day later it is being reported on my credit report after the lady I spoke to stated it was not reported to bureaus.

I received a call from XXXX XXXX at Lockhart Morris Montgomery, a debt collection company, stating that they are collecting a bill from XXXX XXXX XXXX for treatment that occurred in 2021. I was treated at XXXX XXXX XXXX, and everything has already been settled with the hospital. Additionally, under New Jersey 's XXXX XXXX Medical Debt Relief Act, I have not received anything from Lockhart Morris Montgomery providing details of any bill claiming that I owe money to XXXX XXXX XXXX.

To Whom It May Concern, I am submitting this complaint regarding a collection account being reported on my credit reports by Lockhart , Morris & Montgomery on behalf of XXXX XXXX XXXX. The collection account first appeared on my credit reports in approximately XX/XX/year>. I do not recognize this debt and have been unable to obtain sufficient information to determine whether it is legitimate. The creditor is listed as " XXXX XXXX XXXX, '' which appears to be related to emergency medical services. However, I have not visited an emergency room in more than XXXX years and have no knowledge of any unpaid emergency medical bills. While it is possible that the debt belongs to me, I need documentation to verify the account before I can determine whether it is valid. After discovering the collection account, I contacted Lockhart , Morris & Montgomery immediately via phone and requested information regarding the alleged debt.…

In XX/XX/year>, I entered into an Income Share Agreement ( ISA ) for a XXXX XXXX XXXX XXXX XXXX Before signing, the sales representative explicitly and repeatedly assured me over the phone that this agreement would be completely void, and I would owe XXXX dollars if I failed to secure a XXXX XXXX job within XXXX year of completing the XXXX. Relying entirely on this material verbal guarantee and misrepresentation, I signed the contract. However, XXXX committed a bait-and-switch by hiding clauses in the written agreement stating that payment obligations apply to 'any earned income ' within a XXXX term, regardless of the employment sector. Additionally, XXXX completely failed to deliver the promised career placement services and job help. Now, their collection agency, Lockhart Morris & Mo, is aggressively reporting a massive delinquent balance of {$22000.00} on my credit profile based on this fraudulent contract.…

I am filing this complaint against Lockhart , Morris & Montgomery ( LMM Inc. ) for bad-faith negotiation, deceptive practices, and retaliatory collection tactics regarding a medical debt. I am currently unemployed and without health insurance.LMM Inc. previously offered a settlement of {$500.00} on XX/XX/XXXX. When I attempted to negotiate further, the agency ignored my communication for 14 days. When they finally responded, they engaged in an immediate predatory rate hikeretaliating with a new offer of {$650.00}, which is significantly higher than their own previous offer.Immediately following this price increase, LMM Inc. revoked my secure online portal access and locked me out of my account. This directly violates my explicit, standing request to maintain all communication strictly in writing for my own record and protection.…

was an uninsured, self-pay patient at an XXXX I paid {$580.00} in cash upfront at the time of the visit. Lockhart , Morris & Montgomery has now placed a surprise {$930.00} collection on my credit report from an independent XXXX doctor, causing my credit score to drop XXXX points. This separate bill has no itemized breakdown and no CPT codes. Under the No Surprises Act, billing an uninsured patient $ XXXX over their expected cost without a Good Faith Estimate is a violation. Because the debt is unverified and violates federal medical billing protections, LMM is violating the FDCPA. I demand this collection be completely deleted from my credit reports immediately.

I never consented to the release of my medical information to this debt collector. Because the medical account contains private information, it should not be reported on this account because you are infringing on my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.

Company is attempting to collect a debt without verification. If the debt is medically related, company has not proven they issued the debt and for what reason. I have not received any form of receipt, etc. Company must keep in mind if medically related, they do not have access to my medical records, or any subsequent tests run to incur debt, as this is a XXXX violation. I have never signed a release or waiver of personal information to acquire this knowledge if medically related. Requesting verification and validation ( separately ) of debt, and date debt was incurred originally.

I discovered that LMMINC is reporting a collection account connected to the same alleged XXXX debt that is already being reported by other entities, including XXXX and LOCKHART, MORRIS & MONTGOMERY. This creates duplicate and misleading derogatory reporting tied to the same alleged obligation. LMMINC is attempting to collect and report a debt that has already been charged off and placed with another collection agency. I disputed the account because the debt is not mine and because LMMINC failed to provide competent evidence proving it has legal authority or ownership rights to collect the alleged debt. I requested validation and chain of assignment documentation showing how LMMINC obtained legal standing to report or collect this account, but the company failed to provide sufficient proof. In addition, the account was not properly marked as disputed on my credit report.…

I discovered that LOCKHART, MORRIS & MONTGOMERY is reporting a {$370.00} collection account connected to XXXX on my consumer credit reports. I disputed the account because the debt is not mine and because another company, LMMINC, is also reporting the exact same alleged debt tied to the same original creditor. This creates duplicate and misleading collection reporting that artificially damages my credit profile. Despite receiving notice of my dispute, the company continued reporting the account as valid and marked the account as consumer disagrees after its investigation instead of deleting the inaccurate information. The company failed to provide a signed contract or competent evidence proving I legally owe the debt. I believe the company violated the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by attempting to collect and report disputed and unverifiable debt information.…

This is a formal complaint against Lockhart , Morris & Montgomery , Inc. for attempting to collect an invalid commercial business debt against an individual consumer 's personal credit file and failing to conduct a reasonable investigation under the FCRA. IDENTITY AND LIABILITY DISPUTE The collection agency, Lockhart , Morris & Montgomery , Inc., is actively reporting a commercial corporate debt onto my personal consumer credit report. The primary debtor for this lease-purchase obligation is a business LLC with its own corporate EIN. No personal guarantee was ever signed for this business lease. Under the Fair Credit Reporting Act ( FCRA ), reporting an un-guaranteed corporate debt on an individual 's personal consumer file constitutes willful credit defamation.…

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

I am a victim of identity fraud. Unauthorized accounts and transactions were opened using my personal information without my knowledge or consent. I have reported the fraud and request an investigation, removal of fraudulent activity, and protection

I, XXXX XXXX, called XXXX, XXXX, & XXXX approximately around XXXX XXXX on XX/XX/year>. The first operator I spoke to, I asked for them to be able to provide information in regard to the investigation that they said was performed once I disputed the collection. I also asked if they couldn't provide that information that it should be deleted from account after XXXX days. The operator asked me to call back because her system was shutting down, that it happens every day around the time we were on the phone. The phone then hung up. She asked me twice to call back before it hung up. I proceeded to call back and a different operator can answered and she told me I was in the wrong dept once after she asked my name but asked if I always went by that name. I have been presently been going by my maiden name now for the past XXXX years, so for her to have asked me that, it was apparent she and or her affiliates of the company have been accessing personal viable information.…

Lockhart, Morris and Montgomery located in XXXX, Texas on behalf of XXXX XXXX based in XXXX, Tennessee is saying I owe them {$2500.00} for training costs. However, in the contract we signed on XX/XX/XXXX states that the {$2500.00} cost will be voided as long as the employee works a minimum of XXXX days from the effective date listed on the contract which is XX/XX/XXXX. I was officially an employee from XX/XX/XXXX ( first day I got paid for truck driver training ) to XX/XX/XXXX. This would put me at around XXXX days worked, satisfying the {$2500.00} " debt '' for training costs. The contract states that any work involving truck driving or related activities even during training count towards the XXXX employment term. Unfortunately, XXXX XXXX is not fulfilling the contract they made and signed saying the training doesn't count and only days after getting assigned a truck count post-training.…

I am disputing this account because it resulted from identity theft/fraud. I did not authorize or open this account. Please block and remove this fraudulent account under the Fair Credit Reporting Act.

During XXXX Ive gotten really sick and need and ambulance. I was charged XXXX $ witch at the time I was out of work due to the pandemic, and sickness. Its been so hard since then. This bill is from XXXX!!! And its been killing me just as XXXX did. But its lasted longer than the pandemic!! My credit score has been going completely down due to this 1and only medical bill on my credit report!!! Ive tried to reach out and try and settle for XXXX XXXX now its been XXXX of negativity impacting now score. No one else has even put medical bills on civilians credit report. If Im not mistaken the president created a law that prohibits such.

I am disputing a {$30000.00} alleged debt being collected by a debt collector on behalf of a debt buyer. The original creditor is listed as a XXXX XXXX that operated under an XXXX XXXX XXXX ( " XXXX '' ) model and is now defunct. I enrolled and signed the XXXX with the bootcamp on XX/XX/XXXX, as a California resident. The XXXX listed a Plan Amount of {$23000.00} and Plan Charges of {$6700.00} for a Total Payment Amount of {$30000.00}, with payments contingent on monthly earned income exceeding {$3300.00}. The bootcamp is now defunct. Its website is no longer accessible XXXX resolution returns XXXX, indicating the domain has been deregistered. An independent third-party institutional listing ( XXXX XXXX XXXX confirms the school is closed. Critically, I searched the California XXXX for XXXX XXXX XXXX 's institutional database for the school under multiple name variants and its last known California address.…

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.…

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.…

LOCKHART, MORRIS & XXXX is falsely reporting on my credit. I have never had accounts with them. Per my research, LOCKHART, MORRIS & XXXX is a debt collector.They are falsely reporting on my credit! Account - XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S. Code 16 of investigation consumer report, you are in violation

I have filed a complaint with the Federal Trade Commission ( FTC ), the Office of the Attorney General, and the Better Business Bureau ( BBB ) against LMM Inc. I am reporting this company because I have absolutely no knowledge of this alleged debt, and despite my repeated requests for proper validation, they have failed to provide any legitimate documentation. It has been well over XXXX days, and the company has not produced anything that meets the legal standard of validation. Instead, they continue attempts to collect and/or report this account without verifying that the debt is accurate or that I am legally obligated to pay it. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which requires proper validation of debt, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires that all reported information be accurate and verifiable.…

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.