| 11/29/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. LOCKHART, MORRIS & MONT & {$7700.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
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| 08/28/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Legal Department, I am a victim of identity- theft, I am writing to request that you block all the following fraudulent accounts in my files with XXXX , XXXX , and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
1. LOCKHART MORRIS & MO bal. {$780.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
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| 12/03/2019 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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the verification they provided was a printed sheet with an un-detailed amount on it, with a copy of a dot medical record from a company called XXXX that was not authorized and a violation of hippa laws, currently investigating who shared the unauthorized medical document. I have no relationship with this company or its officers.
Copy of my Response to this company This is a request for verification as this alleged debt is in dispute. I am not refusing to pay a debt which I lawfully owe, but I need verification of the debt before we can proceed. Please answer the following questions relating to the disputed account and return them to me within thirty ( 30 ) days, with your Affidavit which validates the answers. If you need more time, or if you need any question restated, please make your request to me in writing.
This letter is your notice under the authority of The Fair Debt Collections Practices Act that contacting me again regarding the above referenced alleged debt, after the verifiable receipt of this notice without providing procedurally proper validation of the debt, establishes that you, XXXX XXXX, Operations Manager, ET AL have used interstate communications in a scheme of fraud by using threat, intimidation, deception, and enticement to coerce a person to commit some act creating a legal disability where none exists.
However, I am willing to communicate with you as a consultant for a fee of {$10000.00} per letter, and {$10000.00} per phone call, so if you write or call again, absent the proof required below, it will comprise your contractual agreement to pay my consultation fees.
1. Please state the name, occupation and mailing address of the person answering the following questions.
2. Please furnish a copy of the contract which your company has with me in regard to this alleged debt.
3. Please identify what you loaned to me. Did you loan me cash, credit, or a debt instrument?
4. Please produce the account and general ledger statement showing the full account of the alleged obligation that you are now attempting to collect, verified ( sworn true, correct and complete ) by the party who made the entries.
5. Please identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.
6. Please verify under penalty of perjury that as a debt collector, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original creditor.
7. Please obtain verification from the original creditor, under penalty of perjury, that the creditor did not receive reimbursement from its insurance company in an amount exceeding the amount of the alleged debt, as is the customary policy of lenders ; or in the case of an alleged criminal judgment, verify via the courts fiscal office that the court was not reimbursed by an income stream resulting from the sale of bonds in the defendants name, as is the standard practice of courts.
8. Please verify under penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause with impunity.
9. Please verify under penalty of perjury that you know and understand that credit card contracts are a series of continuing offers to contract and as such are non-transferable.
10. Please provide verification from the original creditor that you are authorized to act for them.
11. Please verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing which you know is false with the intention that others rely on the written communication to their detriment.
12. Please verify that you know and understand that contacting me through a 3rd party credit reporting agency by reporting and using any identification of me constitutes a communication and is subject to my consultant fee of {$10000.00} per communication.
13. Please verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes acceptance of my contract terms to pay me consulting fees of {$10000.00} per letter and {$10000.00} per phone call including 3rd party communications.
Disputing the debt,
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| 01/03/2024 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/2021, You ( LOCKHART, MORRIS & MONTGO ) You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action.
I have not given you written permission to put anything on my credit profile 15 USC 1681b2.
You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST ( LOCKHART, MORRIS & MONTGO ) 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
I refuse to pay this alleged debt. Cease and Desist all collections activity regarding this alleged debt and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous and misleading information to at once.
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.
You and your inaccurate reporting have damaged my livelihood.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.
Prohibition : a law or regulation forbidding something 15 USC 1681 s-2 Says you ( LOCKHART, MORRIS & MONTGO ) are a furnisher of information to a consumer reporting agency.
You ARE PROHIBITED BY LAW to furnish inaccurate information 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate.
The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.
You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.
YOU HAVE 10 Calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS! or I will take legal action for consumer law violation under 15 USC 1681 n, 15 USC 1681 o and 15 USC 1692k.
DELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES.
Account name Acct # XXXX Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
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| 08/04/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, TX XXXX Last 4 of SS # : XXXX RE : LOCKHARTMORRIS & MONT Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX To Whom It May Concern, This letter is regarding a Collection file that you have in your office and ILLEGALLY PLACED ON MY CREDIT REPORT AS OF XX/XX/2022, which you claim I owe {$240.00}.
I HAVE NEVER RECEIVED A LETTER FROM YOUR COMPANY nor a PHONE CALL FROM YOUR COMPANY.
I HAVE NEVER DONE BUSINESS WITH YOUR COMPANY EVER!!
This is my formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay LOCKHARTMORRIS & MONT.
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute validation or verification.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe to your company, is in violation of the FCRA & FDCPA. YOUR COMPANY HAS ALREADY VIOLATED THE LAW BY PLACING A NEGATIVE ITEM ON MY CREDIT REPORTS.
Pending the outcome of my investigation, ( BECAUSE I HAVE NEVER DONE BUSINESS WITH YOUR COMPANY NOR DO I OWE YOUR COMPANY ANY MONEY ) of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter ( now a legal document ) with ALL of the requested information may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : this notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt.
2. Agreement that bears my signature of the alleged debtor wherein he/she agreed to pay LOCKHARTMORRIS & MONT or do business with your company.
3. Any insurance claims that have been made by any creditor regarding this account.
4. Name and address of alleged creditor.
5. Name on file of alleged debtor.
6. Alleged account number.
7. Amount of alleged debt.
8. Date this alleged debt became payable.
9. Date of original charge off or delinquency.
delinquency.
10. Verification that this debt was assigned or sold to collector.
11. Complete accounting of alleged debt.
12. Commissions for debt collector of collection efforts that is successful.
Please provide the name and address of the bonding agent for LOCKHARTMORRIS & MONT in case legal action becomes necessary.
Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents.
This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
Please allow 30 days for processing after I receive all of the requested information back from LOCKHARTMORRIS & MONT P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Best Regards, XXXX XXXX XXXX : Consumer Financial Protection Bureau Cc : Texas Attorney Generals Office Cc : XXXX XXXX XXXX
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| 08/02/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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The collection agency named Lockhart, Morris & Montgomery , Inc. has contacted me in an effort to collect a debt that is no longer valid because of the terms which are provided in the contract that initially created the debt.
The terms of the contract explicitly state that if an employee is terminated by the customer, XXXX, before the term of the agreement has expired then the debt as well as the subsequent restrictive covenants and non compete clause are thereby NULL & VOID as a result of such termination since the termination was without DUE CAUSE.
This decision has also been reviewed and upheld by the US Supreme Court of Appeals in the XXXX XXXX. Case Citations : XXXX XXXX XXXX XXXX XXXX, XXXX CASE NO. XXXX XXXX ( XXXX ) ( XXXX. XXXX. XX/XX/XXXX & XXXX XXXX XXXX, XXXX V. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) & other similar cases.
I've explained all of these terms and provisions of the contract to XXXX whom contacted me in an effort to collect the debt that no longer exists. XXXX has identified himself as the director of operations at the collection agency in reference.
Upon listening to my explanation XXXX had stated that his customer holds the claim that I had resigned from my position and I ensured XXXX that I had email Communications proving otherwise as I responded to a Family Emergency involving my XXXX XXXX infant at the time and that my job was protected by the FMLA Act under such circumstances.
Therefore, XXXX had agreed to contact his customer as an effort to obtain proof of his customer 's claims in order to validate that his efforts to continue to collect this debt are LEGAL and VALID since, again, I have made it very clear that I did not resign from my position but instead was informed by my former employer, XX/XX/XXXX, in the exact words that " my employment was not going to be reinstated ''.
Furthermore, when I requested an explanation from the XXXX recruiter who my telephone inquiry had been forwarded to his response was quote : " I don't know ''! After requesting further contact as well as the reason for my termination I did not receive any follow up information regarding my termination. I contacted the customer 's legal department and headquarters but no one would forward a response nor explanation. Instead I was referred to the collection agency where I had explained the same terms of the contract prior to making contact with XXXX of the above stated collection agency.
Upon following up with XXXX after our initial conversation it was determined that he too has failed to follow through on his agreement to provide a reason for my termination nor any proof that his customer 's claims are true. Instead, he became very angered, and resorted to manipulative, abusive tactics without any regard for the message that is being conveyed here while totally disregarding that the continued pursuit to collect this debt is ILLEGAL until the validity of the debt is proven nor is it possible since the customers claims are in fact false and I hold the evidence to prove that I did not resign.
Therefore, the proof of burden lies upon the Debtor making the request for such claim and to prove the validity of the debt by forwarding proof of my resignation which does not exist at once or accept the final truth that I was in fact terminated which will further validate this dispute against the validity of this debt. If the collection agency can not forward proof of such resignation or reason for termination that occurred without DUE CAUSE then I hereby invalidate the debt once again and proclaim that any further efforts to collect this debt is explicitly ILLEGAL HARASSMENT and must seize to exist! And further request that the collection agency 's customer forward all diploma, certificates, etc. with release of any such claims in the SUBJECT 5 of the Driver employment contract. As upheld by the XXXX XXXX XXXX Supreme Court.
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| 06/06/2023 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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THIS IS NOT MINES DELETE IMMEDIATELY XXXXXXXX XXXX XXXXXXXX 95 % Consumer Access - XXXX XXXXXXXX
Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Other Trade Names 7 : Lockhart , Morris & Montgomery, XXXX XXXX XXXX Prior Other Trade Names : None Prior Legal Names Lockhart Morris & Montgomery , Inc .
Sponsored XXXX Fiscal Year End : XX/XX/31 Formed in : Texas, United States Date Form Regulatory Actions? : Yes Branch Locations No Branch Locations in XXXX State Licenses/Registrations ( Displaying 13 Active of 13 Total ) Regulator?
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX While some state and fed against a licensee, the ma To view complete informa agency, click any regulato Mul Act ... ... .... to XXXX XX/XX/XXXX, XXXX XXXX. Provide validation of the debt, that is, the actual accounting.
2. Verification of their claim against you, that is, a signed Invoice.
3. A copy of the Contract binding both parties ( you and them ), and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' This letter is to inform you that the above referenced accounts being reported by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I have recently opted out from all secondary credit reporting so please do not rely on them for accuracy for they should not be sharing any of my information.
I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts?
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner. stigation.
I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding these items listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Delete this account immediately it's not mines I don't no where information came from this is fraud and identity theft again I don't live in Texas
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| 06/03/2022 |
No |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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In XX/XX/2022, I signed on to work for XXXX XXXX, on there dedicated XXXX XXXX. After joining the company, I seen some red flags, including but not limited to unsanatary conditions, misrepresentation of contracts, lack of training, and more. Ultimately these issues, coupled with the fact that the route I agreed to was no longer available, I decided to seperated from the company.
On XXXX XXXX to XXXX XXXX, attended an oreintation for XXXX XXXX. This oreintaton was supppose to include meal and lodging, as well as classroom training for the duration of the training. However, we I got to the hotel, which was the meet-up spot listed in the oreintation letter, I found that the lodging conditions where unhealthy and fit to stay ( red flag XXXX ). Ultimately, I ended u booking a room at the XXXX XXXX and staying there until Wednesday the XXXX.
Upon arriving at the terminal, we were ushered in the conference room, where were instructed to complete multple training exercises via our handheld devices ; this went on the entire monday and tuesday. In additon, we did a XXXX drug test and continued to work on those videos for the remainder of our orentation days we work on the training videos. Furthermore, during the orentation I informed the presenter that I do not eat meat and was informed that they would provide accommodations. To my surprise, my dietary request went unmet ( red flag XXXX ). In closing, we were in structed that we would be put with a trainer to go Over The Road ( OTR ) for training on Wednesday the XXXX. Again to my surprise, I did not go out with a trainer until Monday the XXXX, which lasted until Thursday the XXXX ( red flag XXXX ).
During my time over the road, I had several disputes with the Driver Manager ( DM ) over issues related to compensation and home time. On XX/XX/XXXX, XXXX out with a trainer and was not allowed the opportuntiy to driver. On XX/XX/XXXX, I informed the DM of this, he told me I would not get paid for that day ( red flag XXXX ). After several conversations with supervisors I was paid for that day. Prior to leaving for OTR training I informed the DM that I had an court obligation to pick my son up from daycare on friday mornings and return him on monday mornings. Initatially the DM reassured me this would not be a problem ; however I soon learn that was false. On XX/XX/XXXX, I inquired about me returning home and was met with a response stating I would have to stay out OTR 6 more day. This did not fit my obligation and would have put me in direct violation of the court order. After several conversations ith the DM, that ultimately went no where, I decided XXXX XXXX was not a fit for me, so I book a flight back to MD.
Over the next few hours, the DM and several other tried to convince me to stay and even threaten to sue me multiple times for me fullfiling my contract. It was also during this time that I learned that the route I was offered and choose was no longer available. The DM tried to force me into accepting a new route ; however I continued to refuse. Again I was met with multiple threats ( Red Flag 6 ).
Once I returned home, I contacted HR for a copy of my contract and personnel file ; I recieved the contract but was denied access to the file. Over next few days, I was contacted by different people who were requesting me to come back to work.
On XX/XX/XXXX, a debt collector contacted me stating that I owed XXXX XXXX {$2500.00} for advance training and sign-on bonus. To date, I never recieved any advance training or a signing bonus from XXXX XXXX.
|
| 09/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I started disputing information on my consumer report back in XX/XX/2020 with all 3 of the consumer reporting agencies. According to The Fair Debt Collection Practices Act 15 USC 1692g I have the rights to request Validation of debt. Neither agencies responded to any of my requests just updates on my report. At the time I had little to no knowledge of consumer law. I recently mailed out letters to all the furnisher on my consumers report and disputing inaccurate and incorrect information on my credit report. Your company are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. DUTY : a moral or legal obligation ; a responsibility : ACCURATE : correct in all details ; exact : PROHIBITION : a law or regulation forbidding something : As Defined By The IRS ; you must report canceled debt as gross income on your tax return. The IRS clearly defines a CANCELED or CHARGE OFF DEBT as Income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which infact makes your reporting of this account inaccurate 15 USC 1681 s-2 Says You are a furnisher of information to a consumer reporting agency. You are PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect / inaccurate information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. You are hereby put on NOTICE that your are furnishing incorrect and inaccurate information. The lender must file Form 1099-C and send you a copy if the amount of debt canceled is { {$600.00} } or more. The above paragraph is taken directly from the IRS Publication. SEND ME MY FORM 1099-C that you should have sent me when you filed the account as a canceled debt. My Email is below. 15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you that you have infact been reporting inaccurate information. The continued reporting of this information is a clear violation of the law 15 USC 1681 s-2 of your responsibilities of a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to cure and DELETE this erroneous inaccurate account from My Report.
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| 11/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Starting from the beginning .... I was emailed a driver contract by XXXX XXXX XXXX on XXXX. I signed the contract the same day and the bonus was not paid to me on time according to their own contract wording.
Attached is bank statements showing the payment times. Also a XXXX check is also attached thet they gave me approximately 2.5 weeks after I should have already been paid. After I cashed the XXXX check I recieved a call from the accounting department asking me to sign another driver agreement with a updated date on it. That was them knowing they had breached their own contract.
Upon analysis of the numbers set forth On this contract the Bonus of {$2500.00}, was Paid to me ( XXXX XXXX ) LATE, By XXXX XXXX XXXX Their bonus is to be paid in 2 halfs of {$1200.00} The first payment is to be 10 days after signing the contract. The Second payment will be Paid 90 days after the first payment to equal the total of {$2500.00}. I personally Called the Accounting department Once my first payment was not recieved on time ( within 10 days of signing ). XXXX XXXX Policy for Payment of Bonuses Is first payment is to be Paid within 10 DAYS of Signing the Contract. I personally Confirmed it on 3 different Phone calls with the accounting department at XXXX XXXX XXXX My final day of employment at XXXX XXXX XXXX Was XXXX XXXX The Completon of my Contract would have been XXXX Leaving only 17days remaining in my contract. At a day rated amount of the breakdown of $ XXXX {$13.00} per day would Leave a total of {$230.00} that I could be held accountable for by a daily breakdown IF THE CONTRACT WAS VALID but DUE TO NOT PATING THEIR END OF THE CONTRACT ON TIME THE CONTRACT WAS VOIDED BY THEM FOR UNFULFILLMENT ON THEIR BEHALF. Also I did give a proper Notice of Leaving the company to seek better opportunities.
1. Here is the part of the contract where it says about the payment schedule of the bonus. I was to be paid within 10 days of signing the contract and was not therefore the contract was broken by the person who wrote the contract. I was paid the bonus 3 weeks after the contract was signed. Also attached is when I was given a efs check and then deposited the money into my account. And then 4 days later the deposit that included the other half of the bonus. When they didn't pay me on time... ..as per their own contract... ..they therefore voided the contract ... ... the Lockhart and Morris claim on my credit report is FRAUDULENT AND IS CONSIDERED SLANDER TO MY CREDIT PROFILE AND IS ALSO LIBLE.
LOCKHARTMORRIS MONT - XXXX That is a crystal a clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as a violation of its provisions.
As I stated before, this is my final request for you to do as you are governed by the FCRA. If this the final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves.
I take my credit very seriously and your lack of professionalism and assistance disgusts me.
|
| 04/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Lockhart, Morris, & Montgomery , Inc, has been reporting fictitious and discrediting, inaccurate, fraudulent information on my three credit reports. Lockhart, Morris, & Montgomery , Inc, has been reporting fictitious and discrediting, inaccurate, fraudulent information on my three credit reports. ( XXXX XXXX XXXX ). Also blatantly ignoring the debt validation letters that I have sent the CEO XXXX XXXX. This has violated multiple Federal Laws such as 15 USC 41, et seq. I have maintain careful records that goes back as far as XX/XX/2018 and no one has sent me any validation proving that I owe the outstanding amount to the original creditor who fraudulently posted my signature and falsely backdated NUMEROUS contracts that was not given to the students upon graduation, failing to provide me with such proof that I signed and dated these contracts. I have requested that this agency send me directly the information instead of the bureaus. I have been ignored for over a year and at this point I have made my final attempt with this agency who is not even license to collect in the state of Texas. I am once again reinitiating the dispute and having all three credit bureaus re-open there investigation. I do intend on contacting the " CFPB, as well as the Attorney Generals Office '' to get this matter properly resolved. I want this removed off my credit report immediately as you have also VIOLATED the FDCPS and will be held responsible by the proper authorities. I did not get an advance warning about this hostile, indecent, fraudulent reporting. Also Lockhart, Morris, & Montgomery , Inc, is committing double jeopardy is it against the law to continuously report late payments to the credit bureaus for an account that is in collections. The information reports as XXXX. I would like this to be removed pronto with no grace period as this is social, professionally and financially unacceptable and should not be tolerated by any major corporation. Lockhart, Morris, & Montgomery , Inc, is also harassing and unlawfully collecting a debt for a creditor that is committing fraud by postdating and predating contracts that they do not supply upon graduation to justify the debt. But the original creditor has done this multiple students. Lockhart, Morris, & Montgomery , Inc needs to be sued. And held responsible. I have and will be filing an initial complaint as I did make contact in person on XX/XX/2018 to the original creditor after a highly unprofessional phone call lead to a dead end. No explanation of where the charges came from or how they came up with the charges. Giving students false information during the graduation stating " if you get terminated from **** ( ORIGINAL CREDITOR ) **** you do not owe the balance. And you will be receiving a formal copy of your contract upon graduation '' that has yet to happen and it's been 3 years. I want this removed immediately as this is violating consumer rights. I also have sent several letters to the credit bureaus and the original creditor and the collection agency and no response was given. The documentation that was sent in XXXX is also attached that shows it was sent. And previous letters where sent priority mail with tracking information to prove it was successfully delivered.
|
| 10/22/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Good Afternoon, my name is XXXX XXXX XXXX XXXX, i was hired for XXXX XXXX XXXX on XX/XX/XXXX to get a XXXX XXXX XXXX license. I signed Online an agreement with mentioned company. I just read the contract where say if i XXXX XXXX miles i dont have to pay a XXXX dollares to get my XXXX, if i fail to do so, i have to pay that debt and i was agreed with. Once i get me XXXX with metioned Comapny on XX/XX/XXXX i start driving with a Mentor as Team Driver, but that Driver are Owner Operator ( he lease company truck ) his name is XXXX XXXX,, then after 21 days over XXXX XXXX i started as SOLO driver. I run different states around United States as XXXX XXXX driver. with the time i saw the company no give it to me and other co-worker whom get the license with me enough miles XXXX XXXX. XXXX become the Covid-19 on XXXX XXXX, and i complain with the company on XXXX and they forced me to quit because they can't provide enough miles to me due Covid-19, then i resigned. They took my final pay check to deduct it from the XXXX dollars loan to get the XXXX so, my remaining Balance Due was XXXX. After that they sended to me a letter with alternative payment methods and if i want to get rehire for forbance on my loan. I reapplied and they reject the application on XXXX. On XX/XX/XXXX I received a letter from XXXX, XXXX XXXX XXXX , XXXX, they are a Collection Company and as Law requires i have 30 days to dispute this mentioned collection. I call them immediately and i refused to pay such amount. They report a Collection to my credit report at the next week as i call them to dispute. This is illegal as Debt Fair Collection Practices Act. I explain to them i was unemployed and the whole country was shut down to stop the outbreak pandemic situation and Donald TruXXXX did a regulation to stop Collection activities, mortgage and credit car payments and don't care about this. That's is another violations of my Civil and Consumer Rights, this comapny is calling me all day from different phone number even with Kentucky code when they company is established on XXXX Texas, all the time this XXXX is yelling me and never let me speak and harassing me with my credit report when i request from them a settlement offer, he says : your Collection report on your credit, is your settlement letter. yesterday XXXX XXXX i sended to them a XXXX XXXX letter to stop them to calling me all the time. but the most importante is the creditor, XXXX XXXX XXXX, because this company is tricking the company driver to quit and after that thay send them to collection agencies when they don't provide the miles XXXX XXXX as they promised to us. Who don't respect the contract signed? The whole group whom get the XXXX with me all of them quit because the company don't give us enough miles XXXX XXXX, this is an illegal practice from this company XXXX XXXX XXXX, to get illegal money from collecting money from individuals when they violence their own contract, but the most important part is, they keep very busy the Owner Operators ( they lease company trucks ) and those driver run the miles is supposes XXXX XXXX, because the Owner Operator pays the lease, Fuel, Maintenance and we are the number from collections activities. This is Illegal
|
| 01/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
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Web |
|
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this debt collection agency that i have no relations with has been calling every week while i'm at work, I have all phone calls recorded to prove it but it will not let me upload them to this portal, they also got access to my social security number & information by committing Aggravated identity theft ( 18 U.S. Code 1028A ). I've reported them to the FTC as of XX/XX/2023, I also am reporting them to the attorney general, XXXX and also the federal reserve. I have never stepped foot in their office or did any type of consumer transaction with this company, it's gotten to the point where if they continue with this my next step is pursuing legal action against them. they say they are acting on behalf of " another company '' which is an illegal tactic. to me it sounds like they sold this company a debt and now they are trying to ''collect '' said owing 's from me.
they are a debt collection agency so i'm sending my debt validation demand through the portal so the CFPB can act as a third party witness.
THIS IS THE EVIDENCE OF A DEBT I REQUIRE THEM TO SEND ME : Provide me with the production of the account and the general ledger statement.
send me verification of your claim against XXXX XXXX, that is, a signed Invoice.
provide me with a copy of the Contract binding both Lockhart , Morris & Montgomery , IncXXXX & XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered.
provide me with a statement admitting whether you are the holder in due course or whether you are a servicer.
provide me with a statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization.
provide me with the identity of the true holder in due course for my loan.
If the loan has been securitized, provide me with the name of the XXXX my loan was sold to.
provide me with the XXXX number under which my loan was securitized to.
Make available for visual inspection my original wet ink promissory note ( not a photocopy ).
Please provide the above and If you are UNABLE to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C - ARTICLE 3 3-301.
Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part ( b ).
this debt is now officially in dispute. as of XX/XX/2023 I have no collection account from Lockhart , Morris & Montgomery , Inc. reporting on any of my credit files.
By law, ALL COLLECTION ACTIVITIES must CEASE that includes reporting any negative reporting to any credit bureau until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to multiple fines by the FTC.
In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any credit reporting which XXXX have been made in connection with this alleged debt.
Thank you, XXXX, XXXX / [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
|
| 11/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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On XX/XX/2022, I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that LOCKHART MORRIS & MONTGO had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened onXXXX with a balance of {$2500.00}. I had no knowledge of this company nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of making a major purchase. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and opportunity costs with making a major purchase and business ventures that have to be delayed until this illegal account is removed. LOCKHART MORRIS & MONTGO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
|
| 12/20/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This LOCKHART, MORRIS & MONT account with a balance of {$73.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature along with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me, this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXX of the F.T.C.s bureau of consumer protection XXXX said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to a fdcpa lawyer.
|
| 06/14/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I am trying to clear up a debt.
The collection company ( Lockheart Morris ) hasnt returned ANY of my phone calls, email, or has yet to respond IN ANY WAY.
I am homeless, living in my truck, and I have a collection on my credit that is preventing me from getting into affordable housing.
No one is communicating to me about this debt, and so I feel I am helpless in getting this item removed from my credit report.
This is a Summary/the emails that describes the situation : Its now been over 6mo. since I emailed you, Lockheart & Morris ( XXXX ) seeking a solution in good faith to resolve my debt.
Its been six months now since I emailed you my letter asking for forgiveness of my loan, or at least a compromise. I havent heard back a response of any kind since.
During this period, I have yet to hear of any response from you or your collection agency as far as this matter is concerned. I have received no phone calls, no letters, no emails. Nothing.
My credit remains damaged, preventing me from getting out of living in my truck, ( several years now ) and renting an apartment. I continue to have multiple offers from the low-income housing lists that I am on, but my one derogatory on my credit is preventing me from doing so.
I am currently living in my truck. Ive had multiple offers of housing, but Im repeatedly turned down due to this one derogatory on my credit.
My current situation is that Im unemployed, homeless, and collecting XXXX. Unemployment benefits, about $ XXXX.
I would like to, and I am willing to work on a deal to get this debt resolved soon so that I can have this item removed from my credit report.
Im willing to make a deal.
**Im asking you to act in good faith by at least communicating with me.
Please contact me soon.
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Ca.
XXXX On XX/XX/2022 at XXXX XXXX, XXXX XXXX wrote : Hello, Its been about six weeks since I e-mailed you a letter explaining my situation, my ability to pay.
I am looking for a solution, or a compromise so that we can bring my account to a conclusion.
Its been six weeks since I emailed you my letter asking for forgiveness of my loan, or at least a compromise. I havent heard back a response of any kind since.
Hopefully we can communicate a little more efficiently in the future.
It is my hope that you can offer a solution to my so that I can have some sort of closure.
In waiting for some sort of response, I have again missed out on two more opportunities to get into an apartment because of my one derogatory on my credit report.
Being homeless in my truck with winter approaching, it is a time issue now. Id like to get housing before it gets cold.
I hope to hear from you regarding my account soon.
Any response will be appreciated.
Thank You, XXXX XXXX XXXX
|
| 05/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
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In XX/XX/XXXX, I attended the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This seemed like an acceptable arrangement to me.
However, XXXX terminated my employment for unknown reasons on XX/XX/XXXX, by email. Within minutes of receiving the termination notice, I contacted XXXX XXXXXXXX the driver manager that sent the notice, and asked for the reason for the termination. He never replied. There also was no response from XXXX human resources as to the reason of the termination.
In the first week of XX/XX/XXXX, XXXX contacted me twice by phone to request I reimburse the company nearly {$6000.00} for training. I asked the first XXXX representative, who identified herself as XXXX, to stop calling me and send the demand for reimbursement in writing as I would respond in writing that I didn't feel I owed the debt. No written demands were received at this time from XXXX.
The next caller a few days ago identified herself as being from XXXX XXXX in XXXXXXXX XXXX. I informed her that I had already told XXXX that I wanted the demand in writing and not to call. This representative informed me that she could call me because she was from another division of XXXX. Obviously, I don't agree with her assessment of the situation. At any rate, I again informed her to stop telephoning me and send me a demand in writing as I didn't feel I owed nearly {$6000.00} for training.
A week later, this same person from XXXX XXXX called again. I informed her that a registered letter was sent to the Vice President and General Counsel of XXXX relating my position, objecting to the debt, objecting to any negative report to credit reporting agencies, and demanding XXXX and its agents stop calling, only contacting me in writing.
On XX/XX/XXXX, I received a letter from XXXX XXXX saying I owed a debt of nearly {$6000.00} for XXXX XXXX XXXX. I responded with a letter providing the reasons for why I didn't feel I owed the debt and objecting to any negative report to credit reporting agencies.
On XX/XX/XXXX, I received a letter from Lockhart , Morris & Montgomery, a collections agency in XXXXXXXX XXXX again demanding payment for the debt. On XX/XX/XXXX, it appears Lockhart , Morris & Montgomery have reported this debt to credit reporting agencies, resulting in a reduction of my credit score by XXXX, in violation of the Fair Debt Collections Practices Act.
I feel XXXX XXXX XXXX and Lockhart , Morris & Montgomery are simply engaging in a systematic campaign of harassment in violation of the Fair Debt Collections and Practices Act.
|
| 04/04/2022 |
No |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Lockhart , Morris & Mont called me originally back in 2018 for this debt and when I had originally discussed this with them, I asked them for the original documentation in details about the payments that had been applied for this debt that I had paid before it got sent to collections, because I did not agree with the amount they said i owed. I went back to the originally creditor and asked them for a statement of account in which they refused to provide to me and said it went to collections, therefore it was no longer up to them and that I needed to deal with the collection agency for all matters.
I recently sent them a certified letter asking for REQUEST FOR VALIDATION OF DEBT and they responded within the 30 days, however, they did not respond with the information that we asked and within their response, they stated they are responding to the request for VERIFICATION which is not what I requested at all. At the top of the letter in bold and capital letters it states, REQUEST FOR VALIDATION, NOT VERIFICATION. In their response, they sent paperwork back for the original debt, but had only summaries of the debt not complete calculations of the ins and outs of the payments received, amounts reapplied, or even where this random shipping and handling charge came from.
I sent a 2nd letter informing them they that they did complete what was requested, and even included their original response documentations with markups of what we were requesting along with another letter. Their response came shortly after only to be the exact same documentation with NO CHANGES OR BREAKOUTS like asked. Again their letter back states they are responding to my request for verification when i asked for VALIDATION.
Validation of debt and verification of debt are two separate things when it comes to credit and debt reporting.
I wanted break downs of the dates my payments were made, why their summary said no fees yet their total summary on a different page has late fee 's but no explanation and they have a shipping and handling charge of {$150.00} that I do not know anything about and I am not being given any information about this either. Especially since I have asked for them to provide the information as to how I acquired the debt and how they got their calculations. Within the 2nd letter sent back to them, on page 7 there are multiple notes pointing out the discrepancies within this billing and they have not provided me those calculations or information about how they came to be. Especially the shipping and handling fee of {$150.00} since this is a student tuition debt.
|
| 05/15/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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Never received notice of collection nor proof of debt/breakdown of fees. Disputed w credit bureaus but never received response for request of debt validation. Has caused extreme damage to credit report. I want proof of debt including all names of contact, dates, what was sent and to whom & also written contract that states this can be reported. I also need original creditor info and alleged date account opened and closed with them. Also need information if any and all other creditors whom attempted collection on this alleged debt and how much debt was sold for and date sold, these are my rights under fcra. This collection was removed from XXXX but not XXXX or XXXX.
I consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1.Account Name : lockhart morris and Montgomery Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you al- low me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated.
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountabili- ty Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXXXXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as fol- lows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Delete this account immediately, unless you want to be held {$1000.00} per violation
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| 02/10/2019 |
Yes |
- Debt collection
- Private student loan debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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In 2016 I went to a school to learn truck driving for my business, XXXX driving school for my XXXX.
I was told that upon graduation they would sell me a truck and that I would be an owner-operator making 85 % of the profit of the load.
When I went to driving school we were supposed to learn how to drive both a manual and automatic, we were supposed to learn all XXXX Regulations, we were supposed to learn how to tie down freight, we were supposed to learn everything there was about safe and proper operations of a truck.
About 2 weeks into the school I kept telling them I needed to learn to manually shift the trucks at which time I was told that once I got out of school I would learn the ins and outs of the business. I started asking questions because every test we had was open book, we were not doing anything in the classes to learn any regulations and was told that once we came out of the school our teammate would train us. I explained I was not there to be a team I was there to be an independent owner.
So it was explained to me that would be something I would deal with recruiting with once I got my XXXX.
So the whole time I was in the class was spent on a shifting pad in XXXX gear and reverse and we were never trained on the open road. We did not learn any DOT regulations, we did not learn anything.
The first time I took my driving test I failed because I did not know how to use a stick shift, I was never took out to learn the proper way to shift a truck and the second time I took the test the instructor told me because I was worried I would fail again to just stay in low gear, act like traffic was too thick to go any faster and that the man testing me would shift the gears if I had issues so that was how I graduated.
When I was issued my license I kept telling them I not comfortable driving the truck because I did not know any of the DOT regulations because all of the tests we did was open book and we was never schooled in any of them and was told just to mark the right answers which was already outlined in the test books, how to slide tandems, how to drive on the roads and they told me that was something I would be trained for once I got my on the road trainer which I never got they continued to delay me in coming to work.
I finally got tired of waiting and went to another company where I had to go out with a trainer for another 4 weeks because I didn't even know the basics of driving a Semi.
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| 01/19/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX, XXXX XXXX XXXXXXXX, DELAWARE CO DRS, XXXX XXXX XXXX XXXX, LOCKHART, MORRIS & MONTGOReporting Transaction history is illegalaccording to 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
The term consumer means an individual.
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( d ) Consumer Report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report VIOLATION OF 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In generalSubject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.
AND Privacy Act of 1974 ( 5 U.S. Code 552a ) ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
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| 11/12/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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For the past two years I have been treated unfairly by a debt collection company named Lockhart, Morris and Montgomery. Initial contact started in XX/XX/XXXX for an account that was closed out back in XX/XX/XXXX. I explained to the company that it would take time to find the documentation showing I cancelled before the 10 day grace period listed in my contract. I did ask for the original creditor 's information because I tried reaching out via email to the person who contacted me via email with the contract, as I replied to their email to cancel back in XX/XX/XXXX, fast forward to XX/XX/XXXX that email address is not working, the debt collector would not give me any contact information. So when I produced the documentation showing I cancelled in XX/XX/XXXX ( and received a reply from the company acknowledging receipt ) a male representative at LMM ( would not give his name ) told me that I did not provide the right type of cancellation (? ) and he still considered the debt valid and would not removed it from my credit report. In addition, I was told by LMM that they have the right to pursue the debt regardless of any cancellation proof I produce. I questioned LMM if I was delinquent, wouldn't the original creditor have posted the account on my credit report back in XX/XX/XXXX? There was never any filing of such an account. Then I said well if you are posting this account as a valid debt ( which it is not ) why did you reage the account to XX/XX/XXXX versus the original XX/XX/XXXX date? The male representative stated they are able to post as of the date they received and it's not consdiered reaging (? ) I have recently found the company, as it went out of business and now it's renamed ... ironically I found the company on the XXXX XXXX XXXX 's website and the company has issue with contract issuance, misrepresenting themselves as XXXX & other companies, as well as unfair billing practices. I emailed the company ( need everything in writing with these shady characters ) and I have yet to receive a response, the company has a 2 star rating on XXXX and a D+ rating on the XXXX website most of the complaints are for being unethical. Please help, report a debt that does not exist is illegal, unfair and deceptive collection practices is illegal, reaging an account is illegal, not honoring a cancellation request and trying to collect on it 3 years later is illegal!
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| 04/17/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX Lockhart Morris & Mo Opened XX/XX/XXXX - Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious Lockhart Morris & Mo Opened XX/XX/XXXX - I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX S SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
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| 02/01/2023 |
Yes |
- Debt collection
- Medical debt
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- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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Web |
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XX/XX/2022 Lockhart Morris and Montgomery based out of Texas Contacted me I recognize the number as numerous phone calls with no voicemails left over the previous weeks I answered they stated who they were and proceeded to give me information personal information about myself prior to verifying 100 % who I was I notified them that I did not at all condone or sign any paperwork allowing them to have my personal information E.G. social security number and such, also notified the individual on the phone they have been calling me and not leaving voicemails which is phone harassment in the State of Florida numerous phone calls per day or per week I did offer an amount that I could afford to settle the debt she scuffed at me and told me that she would not even attempt to submit and told me what amount I would have to pay no matter what upon telling her financial situation not giving her details but I could not afford that she said they would not agree to any of that and they gave me a set amount that is mandatory to pay, I told her if she's refusing to attempt to submit any kind of settlement then she needs to no longer contact me I have received numerous phone calls since she did inform me that apparently they know the laws and they are not breaking them according to the State of Florida statutes one phone call with no voicemail or no call back number or no identification of who is calling is actually registered and can be filed under phone harassment. Her unwillingness to try and settle is telling me that they are trying to force my hand at paying something that I can not afford and upon asking them to no longer contact me the numerous phone calls I have received since totals up to about XXXX after I notified them do not contact me because they did not want to settle they have continued to do so and as of XX/XX/XXXX they decided to add it to my credit report to try and hurt my credit after during the phone call I told them it does not need to be reported on my credit because they are refusing to settle and they are harassing me they have done so to try and tarnish my credit they waited 30 days after I told them do not contact me continue to contact me and now they're reporting it to my credit to hurt me this is harassment and bullying.
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| 10/25/2017 |
Yes |
- Debt collection
- Private student loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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A representative of XXXX XXXX ( TCN ) told me that XXXX will provide me with {$8200.00} for XXXX XXXX XXXX to XXXX XXXX bridge Program. The amount in question was never paid to me but XXXX upon this promise started withdrawing {$180.00} monthly from my bank account for 18 months for a total of {$3200.00}. Through the 18 months period, XXXX only paid a total of {$220.00} for only one test on my behalf for just one test. However I withdrew from the program because I realized the School was not accredited therefore will not help me pass the XXXX XXXX degree. Subsequently, I got calls from collection agent by name XXXX XXXX XXXX XXXX on behalf of XXXX to pay the balance of {$4100.00} and I refused so they took me to Court. On the day of the hearing I was in the Court but XXXX XXXX XXXX XXXX did not show up so the Judge dismissed the case. XXXX XXXX XXXX went ahead and sued me for the second time. I was represented in the court again for the hearing but before the Judge will release her verdict, XXXX XXXX XXXX XXXX withdrew with a motion of " non suit ''. ( see copy of Court Order ).
During this time I file petition against XXXX through office Indiana Attorney General Office against XXXX. Following the Attorney general inquiry, XXXX agreed to ( 1 ) give me credit for the {$3200.00} it withdrew from my bank account. ( 2 ) XXXX instructed XXXX XXXX XXXX to stop their collection activities from me ( see copy of release agreement from XXXX ).
After I thought that the problem was resolved, I started receiving collection calls from another collection agent by name Lockhart, Morris , & Montgomery Inc. for the same case. I wrote a letter dated XXXX XXXX, 2014 ( see copy ) to Lockhart, Morris & Montgomery on all that transpired on the matter and told them to refrain from contacting me but they did not stop rather they put the said amount into my credit record since 2014 as a negative credit report. I have called the collection agent to remove the {$4100.00} negative report from my credit history and record still they refused and that is the reason I am petition against them through you to help release me from the stronghold of this collection agent by compelling them to remove this negative report from my credit record.
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| 09/08/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious LOCKHART, MORRIS & MONT XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 02/01/2022 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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Web |
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When I tried to work for XXXX XXXX as commercial driver, they discriminated against me when they assigned me about XXXX hours training. I complained about that especially I came to them as experienced driver while a new student from driving school gave him XXXX hours only. I talked to my recruiter about it and he didn't know why they gave me too many hours. I quit the same evening I was hired and had a friend of mine to pick me back home. Few months later, I got emails from XXXX XXXX asking either to work for them or I would have to pay for {$2300.00} for breaching the agreement with them. My answer was, I did not work one day with you and if you are willing to cut hours of training I can return back. Later on, they sent email asking me to forget about the previous communication. After about XXXX months I was surprised by collection service letter. I asked them not to damage my credit and that charge is not valid since i didn't work for their client one day. I even asked them to provide pay stub for one week and they went ahead to damage my credit. Account info Account name XXXX, XXXX & XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$2300.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$2300.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX They had us sign a contract without giving us time to read. Just XXXX and rushed us to just click next, next until the sign box. In that contract paragraph 3, It said after the date the driver was hired. I did not work one day with this company. They didn't even pay full amount of " orientation '' after being stuck in a motel room with another driver for over a week. Once they got sued in Tennessee by many drivers, they sent emails to the drivers they were harassing to pay them back {$2300.00} ( I didn't work for them, and they wanted to make money on someone looking for a job. Luckily, I didn't work one day for them. I know many drivers who just didn't pay them after being on the roads with trainers for weeks.
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| 09/18/2023 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I hope this letter finds you well. I am writing to bring to your attention a concerning issue regarding a medical debt that has been reported to the credit bureau by the collection company, Lockhart Morris and Montgomery. Upon further research, I have discovered that this debt, amounting to {$670.00}, is in violation of the Florida statute of limitations for medical debt.
According to Florida law, the statute of limitations for medical debt is XXXX years, and there is no separate category for the collection of medical debts. A hospital or other medical provider has a maximum of XXXX years to file a lawsuit for unpaid medical bills, starting from the date of the unpaid invoice or bill. However, upon conducting thorough research, I found that the date of this debt can be traced back to the year 2018, which clearly exceeds the statutory limit set by the state of Florida.
I believe it is crucial to bring this violation to your attention, as it not only affects my credit report but also raises concerns about the collection practices employed by Lockhart Morris and Montgomery. It is disconcerting to see a debt being reported and pursued beyond the legal time frame allowed by the state.
I kindly request that the Consumer Financial Protection Bureau investigates this matter thoroughly and takes the necessary steps to rectify this violation. I request that the XXXX ensures the immediate removal of this debt from my credit report, as it is in violation of the Florida statute of limitations for medical debt.
I have attached all relevant documentation, including the letter from Lockhart Morris and Montgomery, as well as the research conducted on the Florida statute of limitations for medical debt. I believe these documents will provide the necessary evidence to support my claim and expedite the resolution process.
I appreciate your attention to this matter and kindly ask for a prompt resolution. Should you require any additional information or have any questions, please do not hesitate to contact me directly at the provided contact details.
Thank you for your time and assistance. I look forward to a positive outcome.
Sincerely,
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| 07/09/2023 |
Yes |
- Debt collection
- Private student loan debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX XXXX XXXX XXXX XXXX Utah, company without a form XXXX XXXX or my knowledge or consent, sold nonpublic personal information of mines to a collection agency out of XXXX Texas named Lockhart, Morris, and Montgomery.
Violating Title 15 U S C 6802 Cornell Law.
A financial institution shall not directly or through an affiliate disclose to a non affiliate third party ANY nonpublic personal information. Without my knowledge, consent or other make it known to consumer Clear and Conspicuously. It must be at the time the dealings or relation begins.
Lockhart Morris and Montgomery does not hold a original promissory note or contact. I ask them to provide my signature saying I agreed to pay them and they could not produce it. There was never a contract between myself and the collection agency/ third party.
I would like XXXX XXXX and Lockhart, Morris, and Montgomery deleted for all eternity from my credit files. XXXX, XXXX, and XXXX.
This is the second or third time I have made this complaint to CFPB. They are clearly in violation of USC TITLE 15 Trade and Commerce. Cornell Law, and the truth and lending act. Also someone forged my signature on that contract. I can prove it to. Recently XXXX XXXX agreed to a class action settlement and I received two checks for a small amount in the mail. I have not chased them. Those checks are a admission to guilt like it or not therefore the account on my credit files should not be on the files any longer. At this point I am seeking not only the account be removed but I am also seeking damages and a written apology. My telephone number is XXXX. If it can finally be solved they are free to call me. If taken lightly as everything else I will see them by way of attorneys who will not settle easily. I am also willing to take my allegations to the media and let more people get to speak there truth. I am so frustrated with how this has accurred, it's affected me, my family, and my character in the eyes of other people and I am ready to deal with it. By the way CFPB when I filed with you before they never, wrote, called, or anything just business as usual
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| 04/24/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This company Lockhart, Morris and Montgomery Inc claims that I have a medical debt based in Tennessee opened on XX/XX/XXXX. I have informed this company that this debt is not mine, after it placed this debt on my credit file/record at the credit bureaus. I have not had any communication or business dealing with any company in Tennessee, nor have I lived there, but this company has disregarded my informing it that this is not a debt that belongs to me. This debt is a result of identity theft and this company is promoting fraud. I have informed this company to removed this reported amount of {$780.00} from my credit file/report from the credit bureaus but it would not, nor would they take my complaint seriously. I have been monitoring my credit file/reports daily, and all of a sudden this debt appeared without my knowledge or understanding, as I have never heard of, or been to, a company called XXXX XXXX XXXX Tennessee. Furthermore, this company has called me in regards to collecting this debt, and I have told numerous agents of this company that this debt is mine. On one particular instance, after asking for a supervisor, it appeared as though it was the same agent trying to disguise his voice stating he can have this debt removed if I agree to cooperate by paying a fraction of what is " owed. '' Additionally, this company refuses to tell me what account number is affiliated with this debt, so I can dispute it. This makes me believe even more that this is fraud, and this company is trying to extort money from me by any means without consideration or investigating that this debt does not belong to me. Upon further research, I figured that this same company tried to use this same debt on my credit file/report at the credit bureaus under a different company name in XXXX. After they removed it, the company has placed the debt again in XXXX, in further attempts, to use a fraudulent debt to extort money from me. In XXXX, this company stated that it was a different company I owed for the same {$780.00}, also another company that I had never heard of or had any dealings with.
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| 07/17/2020 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
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| 06/17/2020 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
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| 09/03/2020 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
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| 09/10/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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It appears that XXXX XXXX, XXXX is still at the same tactics once again. This whole issue all starts from a disgruntled employee. XXXX never paid me for the work I provided back in XX/XX/XXXX. I stopped working for XXXX in XX/XX/XXXX when the settlement payment was inaccurate. As stated with plenty of XXXX XXXX that they needed to get this issue fix in a timely matter to continue driving for this company.
They didn't get it fixed and sent me a bill in XX/XX/XXXX for attending a XXXX XXXX I never attended a XXXX school for a XXXX. I had a XXXX since XXXX, which XXXX. After numerous complaints and issues, they said the situation was handled. Now I have a collection bill from XXXX, I am assuming from XX/XX/XXXX in the amount of XXXX in which I never received a notice. Again, I do not owe XXXX XXXX any money for anything. I know for a fact they didn't pay for my services and owe me over {$2500.00}, including hotel reimbursements, fuel, and training students.
What XXXX XXXX does, is bait and switch. The pay rate and fuel surcharge is quoted as one thing. When you get the settlement statement, they split the total amount of miles, instead and calculated the total revenue rate of 70 %. But they make sure they have all there expenses calculated included the XXXX training fee with the accurate miles.
I want to see a reoncilation statement of me oweing this amount when I didn't even work for this company. Most likely again due to this company unethical behavior they are probably associated with me with another driver.
I want this collection report removed from my credit reports as well as to be compensated for this issue. If they want money from me and to add this to a collection account. Then they need to pay me for the amount of money that I never received in XX/XX/XXXX.
In addition, how is this even on my personal credit report when the contract and is associated with my business name and business EIN, nothing should be attached to my personal credit report per the XXXX Contract agreement as I am XXXX XXXX XXXX under XXXX XXXX XXXX XXXX XXXX
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| 09/03/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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A representative from Lockhart, Morris, and Montgomery named XXXX, called and said that I owed XXXX XXXX XXXX for not completing a contractual agreement. I resigned driving over the road because of lack of home time, which XXXX said they would schedule and did only twice in a four month period, and poor treatment of staff. The agreement was for a total of XXXX miles of driving. There was a {$5000.00} penalty for not completing and I incurred a ticket for {$6000.00} which payroll deductions were being made. The debt collector added a {$2500.00} fee which I could not agree to pay, I believed it was an excessive amount and could not remember seeing that amount in the original paperwork. I refused to agree to anything which included this fee. The amount taken through payroll deductions reduced the debt to around {$10000.00}. XXXX told me that if a paid roughly half, {$5000.00}, he would waive the fee, not report this to the credit reporting bureaus, ( XXXX, XXXX, and XXXX XXXX ), and schedule a payment plan of {$120.00} a month.The {$5000.00} was paid on XX/XX/XXXX, of which {$3000.00} I borrowed from a friend. On our next communication, XXXX said that I only had 10 days to pay the rest of the amount. I told him that I did not have that amount and demanded my money back, at least the {$3000.00} that I borrowed from my friend since he would not honor what we had previously discussed. He refused to do this. I told him that all I could afford was {$120.00} a month or he could wait for the court outcome for the {$6000.00} ticket which was being litigated. I then receive an alert from a credit reporting service that an amount of {$7800.00}, this includes the {$2500.00} fee, was reported as in collection to XXXX, XXXX, and XXXX XXXX as of XX/XX/XXXX and again XX/XX/XXXX. They also did a credit inquiry on XX/XX/XXXX which I did not authorize. I also told XXXX not to call me before XXXX and he made at least five more calls after this request.
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| 02/19/2023 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Hello the company LOCKHART MORRIS & MONTGOMERY has violated the Fair XXXX Collection Practice Act by trying to collect on a debt not owed and by reporting an alleged medical account to all three credit bureaus. I spoke with a representative from LOCKHART MORRIS & MONTGOMERY on XX/XX/XXXX to get more details on an account this company reported as being in collections after being notified a new collections account appeared on my credit report.
During my conversation with the representative, I was told the debt is from 2015 and is from an emergency visit to a hospital. I told the representative I never visited the hospital in question as my primary care physician is at another hospital company. The representative insisted I had visited the hospital but they had my address wrong. I was advised to call the hospital in question. When I called the in the alledged hospital I was accused of visiting in 2015 they confirmed I never had an account with them, no open or past debt, and they never sent any bill to collections.
After speaking with the alledged hospital from where the debt orginiated, who then confirmed I never had any past due debt with them nor a record of visiting their ER service in 2015 I proceed to call LOCKHART MORRIS & MONTGOMERY and demand they remove the collection account from all XXXX credit bureaus. They refused stating the debt was valid. I asked them to provide proof of debt or a bill of sales. It's been XXXX weeks I have yet to receive this. They have never provided proof of this account belonging to me or how they got my information.
In addition any alleged medical debt is not permissible to be reported to any credit bureau due to changes to the Fair Debt Collection Practice Act. Wisconsin also has a statue of limitations where debt older than 6 years can not be collected. The alleged debt supposedly originated in Wisconsin in 2015. The company has also failed to prove the debt is mines to begin with.
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| 04/02/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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On XX/XX/18, I was getting preapproved for a home loan. The loan officer called me back and told me I was denied for low credit score and that there was a debt collector that had sent me to collections in the amount of over {$6000.00}! I told her I had no knowledge of it and I will try and straighten it out. I filed a dispute with the credit bureau and told them that I didn't have any knowledge of the account. They're investigation turned out in favor of the company Lockhart Morris and Montgomery, with them telling the credit bureau the account belonged to me. I then wrote the company on XX/XX/18 disputing the account and asked them to verify it and send me any paperwork that I had signed with them, Lockhart Morris and montgomery and they sent paperwork to me from XXXX XXXX. They still didn't tell me who they were. So I rewrote them again disputing the account and asked them to send me paperwork from them showing I signed anything with them. This time I decided to call and spoke with XXXX XXXX on XX/XX/18, and I asked him when did they send me a letter or had their first communication with me since I am the cosigner on this loan. It took him several minutes and when he returned back to the phone he told me that from what he could tell, they never sent me a letter not have they communicated this debt to me. So I sent them another letter dated XX/XX/18 where I told me they had violated the FDCPA guidelines and they sent me another letter that I received on XX/XX/18 and they responded back saying they were not going to investigate it and that the letter was similar in nature to the other letter. This is a false claim because the other letter was dealing with me disputing the letter and calling it fraud because I had no knowledge of it and the latter dealt with the FDCPA violation ; two separate letter two different reasons.
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| 03/28/2023 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Dispute Letters ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a third Follow-Up Letter ( XX/XX/XXXX ), and a Fourth Notice of Intent to File a Formal FTC Complaint ( XX/XX/XXXX ). In total, I have sent four letters asking for a correction to my credit report.
To date, I have had to dispute incorrect medical collections along with inquiries that are not mine four times. On different occasions, I have received responses from all three credit bureaus with confirmation of these medical collections being removed/deleted from my credit report.
The medical collections are the following : XXXX. XXXX XXXX with account number XXXX for the original creditor " XXXX XXXX of XXXX '' for the original amount of {$260.00}. This medical collection was removed/deleted in XX/XX/XXXX. I have attached supporting evidence to show this medical collection has been deleted. On XX/XX/XXXX, the medical collection that was previously with XXXX XXXX with account number XXXX for the original creditor " XXXX XXXX of XXXX '' for the original amount of {$260.00} was sold to Lockhart , Morris & Montgomery, and the account status showing as Opened. This is inaccurate information as this was disputed back in XXXX and removed/deleted in XXXX.
XXXX. Law Offices XXXX with Account Number XXXX for the original creditor " XXXX XXXX XXXX '' for the original amount of {$220.00}. This medical collection was removed/deleted in XX/XX/XXXX. On XX/XX/XXXX, the medical collection that was previously with Law Offices XXXX with account number XXXX for the original creditor " XXXX XXXX XXXX '' for the original amount of {$220.00} was sold to Lockhart , Morris & Montgomery, and the account status showing as Opened. This is inaccurate information as this was disputed back in XXXX and removed/deleted in XXXX.
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| 10/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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These Financial Intuitions are furnishing my information without my consent. They are in violation of Gramm-Leach Bliley Act in addition to TILA under Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant. 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Financial institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. Is your company following the requirements of the Privacy Rule? Before, ANY response is made " There is no LAW that states that a company must report to a non-affiliated consumer agency '' I have a Right to Privacy & without following these proper guidelines under federal jurisdictions this is indeed Identity Theft & Fraudulent activity. Furnishing information without my consent is liable for a civil lawsuit, damages & fines for each violation.
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| 12/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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The Account has appeared on my credit report again after being removed off from failure to provide documented proof that the debt was mine in 30 days. I disputed back in XX/XX/XXXX and the creditor failed to comply to the Credit Bureaus request. As of XX/XX/XXXX this account has showed back on my credit profile & they are violating XXXX rights.
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the XXXX, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.
The term " breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual.
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules ffective XX/XX/XXXX.
Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any XXXX authorization.
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports.
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| 12/02/2020 |
Yes |
- Debt collection
- Private student loan debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I wrote Lockhart, Morris & Montgomery on XX/XX/2020 in which I posed a series of questions in which they did not fully answer. They simply sent me a copy of the contract from the original creditor without answering the questions in my attachments. I then proceeded to write them a second letter in reply to their first response letting them know that they were not in compliance with my request and attached evidence with my letter in which I have attached here as well.
They had 30 days to legally reply in a timely manner to my request, and I gave them 45 days which was more than sufficient time for them to get back to me with the answers to my questions I posed again on my letter dated XX/XX/XXXX. I have also attached proof of the receipts that were both signed stating my letters were received and ample time was given to investigate.
They neither replied to my letter this time, nor deleted the account from my credit. According to the FDCPA and FCRA, they are in clear violation at this point and I have given them more than one opportunity to correct this matter. I mailed them a third letter dated XX/XX/XXXX advising them of their violation and advised them to provide the evidence I requested in my previous two letters, or to DELETE this account from my credit reports.
Since they have not complied according to my legal rights with the FDCPA and FCRA, then I thought this time to file a complaint with you along with the mailing of my final letter before I move forward with legal proceedings with this company.
I am hoping that they will rectify this situation immediately or we will be seeing each other in court in my state according to my last letter mailed out. This is my FINAL attempt to settle this matter amicably.
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| 01/20/2020 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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this company did NOT act appropriately as authorized by contract of law.
this derogatory account/ report appeared on my credit bureau reports with XXXX and XXXX credit bureaus in XX/XX/2019. I repeatedly requested verification of debt with a signature and was informed I must contact the collection agency as they did not maintain files of each customer. Each time I received a letter that the creditor had " updated '' my file. Before doing this I noticed that the original creditor was XXXX XXXX Hospital, wrongly I assumed it was XXXX Florida.
The original creditor was listed as XXXX XXXX Hospital and Lockhart Morris Montgomery account XXXX as the collection agency on these credit bureau reports In Florida the major governing medical billing agency is XXXX, they do in house billing. I called XXXX XXXX Hospital, XXXX, Fl. and they had no record of me owing this amount for the date of XXXX XXXX as listed by the collection agency. I called XXXX. They had no record of this amount for this date of service.
I wrote a letter to Lockhart, Morris an Montgomery requesting A SIGNED CONTRACT, either between them and the hospital or myself and the hospital. They sent me a statement from XXXX XXXX Hospital, XXXX, GA showing the medicines and services I allegedly received, with a XXXX BALANCE OWED. The amount of {$260.00}. was no where indicated. Are they allowed to have access to medical records/emergency room medicines of any one?
Additionally, this has severely damaged my credit and any attempts to obtain credit.
I have tried to resolve this on my own for 6 months. Now, I need your help.
Are they legal and reputable, or as their Texas XXXX XXXX XXXX file indicates, ( with 79 complaints ) they are not.
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| 09/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am in receipt of your companys letter informing me youre handling the collection of the account mentioned above. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between ( LOCKHART, MORRIS & MONT } and me which makes you a person entitled to enforce a commercial claim against me. This letter is NOT a request for verification or validation.
This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract, with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certifications can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.
Failure to respond and provide strict proof of contract will constitute your tactic agreement that you, ( XXXX XXXX ) AND ( LOCKHART, MORRIS & MONT ), are NOT entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I will file a complaint with the Attorney General and Federal Trade Commission, and file a police report against you for harassment and invasion of privacy.
You have 30 days to provide strict proof of contract. In the event you cant provide strict proof of contract, YOU MUST CEASE AND DESIST ANY AND ALL COLLECTION EFFORTS AND IMMEDIATLEY REMOVE ANY DEROGATORY INFORMATION REPORTED TO THE CONSUMER REPORTING AGENCIES. If you transfer this account to any attorney without providing proof of contract, They will be immediately reported to the state bar association and professional liability fund for code of ethics violations.
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| 05/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX XXXX XXXX XXXX , XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD, XXXX XXXX RE : DisputedAccount-Notice to Furnisher HardInquiries DearSir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and take steps to remove information about this account from my credit files.
I still have not received written confirmation of these actions.
As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or an account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account appropriate steps to remove information about this account from my credit files.
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
Pleasesend me a letter explaining your findings and actions.
I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX
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| 08/25/2023 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Company will NOT provide a debt validation to me, and refuse to provide information proving I owe the debt even though I do not recognize it.
Dates of communication : - Initial Debt Verification letter/request sent in XX/XX/XXXX, same day of my first call. They informed me to send this to their dispute email inbox. ( dispute@lmminc.com ) - Second call to follow up was XX/XX/XXXX, to follow up on the verification, where they mentioned they may have not received it because their debt dispute inbox was " non-functional '' and had broken shortly after I sent it. They no longer use this shared inbox. They input this request manually over the phone, to request the itemized bill from the original organization and apologized for the inconvenience.
- Next call was the day after, XX/XX/XXXX, and I confirmed the itemized bill was requested manually and it had been sent out.
- XX/XX/XXXX, spoke on the phone, they have no update to provide me. Requested to be put through to a manager, who was verbally aggressive and insisted I owed the debt over and over again, but wouldn't answer the question as to why they can't validate the debt. They insisted the " information would be sent eventually. '' - Final call prior to me writing this complaint was today, XX/XX/XXXX, still no itemized bill sent to them by the original organization, which they confirmed to me over the phone. They refuse to tell me what the next steps are, even though we're going on three months without a validation provided that I owed the debt. XXXX and XXXX have removed this for me, though XXXX is apparently " verifying I owe the debt '' somehow, even though the CA can not provide this information.
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| 10/08/2023 |
Yes |
- Student loan
- Private student loan
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- Getting a loan
- Loan opened without my consent or knowledge
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Web |
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I attended XXXX XXXX XXXX XXXX in XXXX of XXXX. I was given an initial contract showing the program would cost no more than {$9000.00} once completed. I was assisted through the process of filling out my FAFSA and was qualified to receive Pell Grant and other student loans to pay for the program. In XXXX of XXXX I had still never received my Pell Grant from the school and I also came to find a new contract in my student portal that was never signed by me and had increased the program price up to over {$15000.00}. I was in constant communication with XXXX XXXX ( head of their financial department ) and other administrators regarding the receipt of my Pell Grant that was months over due. In XXXX of XXXX I decided to exit the program and not allow the school to take out anymore student loans in my name. I still had not received my Pell Grant when I left, but I stayed in communication to ensure I received it. On my exit paperwork ( that I will include in my documents ) when I decided to withdraw from the program- I owed no further amount to XXXX XXXX, but they owed me {$3000.00} for my Pell Grant that I was told would be released to me. I continued correspondence with XXXX XXXX and finally received my Pell Grant from the school in the amount of {$3000.00} in XX/XX/XXXX. It was in XX/XX/XXXX that I was made aware that I had a collections account added to my credit report by Lockhart Morris & Montgomery for the amount of {$3000.00} dollars naming the original creditor as XXXX XXXX XXXX XXXX.
There was never any arrangement or personal loan given to me by that institution. This representation on my credit is nothing short of fraudulent.
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| 08/04/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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Lockhart , Morris & Montgomery has placed a collection alert on my credit report in violation of the Fair Credit Reporting Act. I have never heard of nor do I owe any money to this company. They contacted me once by phone XXXX XXXX about a supposed debt dated XX/XX/XXXX. I asked for the information so I could verify that I paid it in XXXX. I was able to find that I paid the {$65.00} on XX/XX/XXXX to the company in question. Lockhart , Morris & Montgomery says I owe is {$65.00} ( XXXX cents difference ) also the account number that they had in question was a few digits off from the original invoice that I paid in XXXX.
Shortly after I spoke to them on the phone telling them that I paid it, I received an invoice from Lockhart , Morris & Montgomery XXXX demanding payment of {$65.00}. They said that if I write to them by XX/XX/XXXX they will stop collection on the amount in dispute. I mailed them a dispute letter on XX/XX/XXXX, letting them know that I had proof that I paid {$65.00} on XX/XX/XXXX, and provided them the correct invoice number. I got notification on XX/XX/XXXX that Lockhart , Morris & Montgomery placed a collection on my credit report.
There has been no documentation sent to me validating this debt nor do I owe any outstanding debts. This collection agency has added this fraudulent debt to my credit report 6 YEARS LATER without contacting me in anyway or giving me a chance to validate whether or not I owe this debt. This is a violation of my FCRA rights and I would like this fraudulent debt removed from my credit reports. This is an outright attempt to collect a debt that is not owed through unscrupulous means.
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| 03/25/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Two things really, I do not deny owing this debt it originated from an employer issuing me a CPAP machine on a loan basis, upon resigning my options were to buy the machine outright for XXXX or return the machine. This company was XXXX by the way. I attempted to find out how to return the machine to XXXX but could n't get the right procedure and since I thought perhaps I needed it I would go ahead and pay the XXXX when I could, or try and reach out to XXXX to set up an arrangement. I receive some written communication from XXXX, perhaps 2-3 letters. Then I get a letter from a representative by the name of XXXX from Lockhart, Morris, and Montgomery collections. Upon talking for awhile, approximately 3 weeks ago maybe the XX/XX/2017 the balance was suddenly XXXX dollars and I could only make two payments in the amount of XXXX. If I understand the law right they can not " Mark up '' or " add a fee '' to collect this. My biggest thing with this case is that after speaking with XXXX XXXX, I was told I would have to sign a contract or promissory note to pay, and I would be emailed this letter. I never received the letter nor any further contact from XXXX XXXX. Today, XX/XX/2017 I was charged in the amount of XXXX overdrawing my account since I had not heard anything further from the firm, I figured either it would wait till next month or she would send me the document I needed to sign before she would charge me. So the law is fuzzy on this but if I am not mistaken, since I was told I had to sign before she could accept this agreement I should not have had money withdrawn essentially without my knowledge.
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| 10/04/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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Lockhart Morris & Montgomery contacted me abou a {$120.00} medical bill they received from XXXXXXXX XXXXl date of service XX/XX/XXXX.
I thought the debt was resolved because I was referred over to the hospital from the Veterans Administration under their XXXX XXXX. They were to pay the bill. The hospital was billing me and I referred them to the VA. I also had the VA rep to reach out to billing department. After that I hadnt heard anything until 5 years later.
XX/XX/XXXX. Once I received the letter I called and the woman said either pay or we will report you to the credit bureau. I told her I needed to contact XXXX VA because I thought it was paid. Only a few days after me receiving the letter and speaking to the woman I received an alert that a collection item was added to my XXXX XXXX account.
I called XXXX XXXX and disputed it and they instantly removed it. Then I got an alert a few days later that it was reported to XXXX. So I disputed it again.
Then on XX/XX/XXXX they lady from this company called me to say they received a dispute from XXXX and she wanted me to know that I still owe them the money. I dont even know these people. This is harrassment.
First I thought this was resolved 5 years ago and these people seem desperate to collect before new laws go into effect beginning XX/XX/XXXX about medical debts under {$500.00} not being reportable.
Again this is not my debt. I have good credit and do not have collections on it. They tried to ruin it to strongarm me into paying a bill that was billed incorrectly by the hospital.
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| 10/31/2022 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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In XX/XX/2021 I started training classes with XXXX XXXX to upgrade from a class B XXXX holder to a class A XXXX. These were train to hire classes meaning the instructors work for XXXX XXXX and we're there to solely train us to XXXX XXXX XXXXXXXX XXXX for the outcome of working for the company ( XXXX ). However, being harassed and things not going well with Mentoring, I specifically requested a female mentor instead I was given a male mentor, that didn't work, I requested again for a female mentor and yet again they were trying to give me a male mentor. I felt as if they were recruiting for something other than a driver so I didn't begin working for them ( solo without mentor ) I am now being harassed by a debt collector ( displaying on my credit report ) that I owe XXXX XXXX over XXXX XXXX dollars. During the time of my training XXXX XXXX was not listed as an accredited school and the instructors work for XXXX XXXX. The debt collector nor XXXX XXXX representatives when calling gave me a clear answer as to how I owe XXXX? In fact, XXXX representative hung up on me. The debt collector ( Lockhart ) stated I signed an agreement to pay them, however, there were a lot of documents thrown at us ( the class ) to sign, I don't recall signing anything to that nature. When I requested the letter it was never sent to me. Therefore, I am still wondering how is it that I legally owe XXXX XXXX when they are not an accredited school? Who did they pay on my behalf that I would owe them over XXXX XXXX dollars? The instructors work for XXXX XXXX
|
| 06/08/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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Upon careful review of my credit reports I found a collection agency attempting to collect a debt without providing me any written or verbal communication to dispute this item. I have no knowledge of this said debt nor did I open account with this company or the company they are trying to collect for. No contract. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation, which is binding on me to pay this debt. Below are a few questions, which may help you to resolve these mistakes. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state and federal agencies. In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any judgments been obtained by any creditor regarding this account.
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| 09/26/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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Lockhart Morris and Montgomery ( LMM ) began reporting negatively on my credit report as of XXXX of XXXX for original debtor XXXX XXXX XXXX XXXX. I spoke with LMM through out the year ; however, LMM continued to falsely report that they were unable to get in contact with me and began employing predatory practices by inundating my credit report with inaccurate and derogatory remarks. I contacted the original debtor who provided the contact information for their billing department and PAID the original debtor. I emailed receipt of the debt paid in full to LMM medical manager XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I called and spoke with XXXX, who was unprofessional, combative and stated " I'm not going to tell you what you want to hear '' and refused to transfer me to another personnel and proceeded to hang up on me and refused to provide details as to why LMM continued to add derogatory remarks on my credit even though the debt had been paid in full. XXXX stated she will not remove anything from my credit report and stated she will continue to provide false information to the bureaus. LMM needs to remove the debt and derogatory remarks completely from my credit report and should be ashamed for practicing in a deceptive, unprofessional and a predatory manner. I have recordings of the calls. The debt has been paid in full and they have record of receipt of this and are knowingly provide false information to the bureaus.
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| 09/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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I have already file one complaint with you guys against XXXX XXXX XXXX for applying a debt to my report XXXX times, each time failed to provide anything proving the debt and it belongs to me so the XXXX disputes ended with it being removed, my information has been sold now by this company to another debt agency called lockhpuse Morissette and Mont, regarding XXXX XXXX XXXX, now as explained in my prior complaint it is absolutely impossible to have a medical debt under my or any of my children 's names we have all been covered under XXXX XXXX for years, now after the last complaint with you, I filed one against the XXXX XXXX in XXXX XXXX regarding this debt, and that fact that even if by some far chance this is mine, thT I am more than aware that in the state of Florida if your health insurance is not accepted by a doc place or treatment you ate tho be notified immediately. I was never notified. I also after the last complaint, I also called XXXX, they were unable to confirm that there was any medical bill that was unpaid by them regarding me or my children. This debt is no straight harassment as all three companies that have picked it up since XXXX are unable to provide any information, XXXX says all medical and emergency isots over the last XXXX XXXX have been paid in full, I don't understand how this is legal, it is messing with my life, my credit which I need to move to a better area. This is unacceptable
|
| 09/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I was seen by the original creditor about XXXX years ago. After I never received a bill I contacted them they admitted fault and that it would not be sent to collections on a recorded line. To be safe I went ahead and sent the payment through XXXX directly to the creditor before I even got the bill because I when I called I was also given the amount and where payment needed to go and I didnt want to wait incase they made another mistake which they did. Which didnt surprise me because I had many concerning clerical issues during my original visit which I thought was corrected but came to find out was not when I talked to someone on the phone and apparently it still isnt because I never got the bill, yet the check was cashed, and I have been harassed in and off for the last XXXX years to pay a debit for a XXXX that I have already paid. Not only hurting my credit but also constantly reminding of a very hard time in my life. AND I am trying to buy a house and this does not look good. This has hurt my life in multiple ways. Any time I see the amount show up on my credit I dispute it and it gets removed. The most recent dispute in XX/XX/2023 was denied. I have attached a copy of the front and back of the cashed check showing the full amount paid to the original creditor. Please just remove it once and for all for good and leave me alone.
|
| 10/26/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
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Web |
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On XX/XX/XXXX, I received a notification that tLockhart, Morris & Montgomery , LLC was trying to collect a debt of {$100.00} on an account from XXXX. I returned the notification with a dispute of charges the same day. I received a call from this company a week later and advised that I had submitted a written dispute of chArges. I was told it was my account and I needed to pay it. She could provide me with a copy of the bill. I told her to mail it to me. I have heard nothing from this company until Monday XX/XX/XXXX, when I received a notification that this company had placed a collections on my credit report. I disputed the collections account on with XXXX. On XX/XX/XXXX, I received a letter from the collections company dated XX/XX/XXXX stating they were not able to confirm this as my debt and would be closing the file. However it was sent as a reported collections during a dispute and after the collection agency confirmed they could not confirm this as my debt. Under the fair credit reporting they are not supposed to report a collection account until the dispute is completed. I have contacted the collection agency and advised them of my rights. They have said they will put a rush on the removal from my credit reporting within XXXX hours. This is an unacceptable practice and the company should be held responsible for their actions.
|
| 01/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was employed by XXXX XXXX between XX/XX/XXXX-XX/XX/XXXX. I was shocked when I saw a collections from them on my credit report six years later. Since they are a trucking company and not a lending institution, and since I was an employee, a XXXX XXXX XXXX, not a borrower, I filed a dispute with XXXX, who was able to remove the collections from my report. Then, XX/XX/XXXX the same collections shows up on my XXXX. After several disputes to no avail, on XX/XX/XXXX at XXXX, I contacted Lockhart Morris & Montgomery , the collections agent : they were very curt and simply concluded refuse to pay. On XX/XX/XXXX at XXXX, I contacted XXXX only to find out that it was a ticket in OHIO that had come in after I had left the company ; as a company driver, all over-weight tickets and other fines are the responsibility of the employer ; I spoke with XXXX collections personnel, XXXX , who could not figure out what the charge was for nor the code attached to it : " this kind of charge is usually from the Independent Contractor side. '' When informed that I was an employee, " Oh, why don't you call payroll and see what the code is for, then call me back. '' It is only after I spoke with payroll that I discovered the charge deriving from a fine in OHIO. Why I am supposed to be responsible for it? I don't know. Why seven years later? I don't know
|
| 01/19/2017 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I was approached by a member of XXXX XXXX XXXX team. I was rushed into applying for a loan to pay for the materials used for the program. When I decided to cancel, I was told it was too late. Even though I was told that the contract was n't binding until after I took and passed the first exam. So after I asked for a cancellation, three monthly payments was taken out of my bank within a 5 week period. So i shut down the account. I received a phone call from Lockhart, Morriss, and Montgomery saying that i owed this debt for {$6500.00}. After that conversation I contacted my Attorney General, and the Attorney General in Indiana. I am currently in contact with them now. But when I Looked over my credit report, the original lender is said to be XXXX XXXX XXXX. I called these people and was told they had no information concerning a loan with me. This prompted me to pull up the application. On the application page XXXX it says the Lender of the loan is XXXX. I called the office listed on the application. I was told there was no loan given to XXXX on my behalf and that I should contact legal services. I am fully aware of the class actions law suits against XXXX. I have been place in a mediator service through the Indiana Attorney General department with XXXX XXXX XXXX. This is my last resort before contacting legal services.
|
| 04/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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|
I'm writing this complaint and there is no third party involved.
To whom may concern Pursuant to 15 USC 1692c ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums.
Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : 1. Zero out the balance on this account 2. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.
3. Deletion from all consumer reports.
4. Delete all my personal information from your company.
I'm also requesting validation ( attached ), Please be aware of filling up each line requested. ( Don't forget the Authorized Signature of Creditor ) You must return this completed form along with copies of all requested information, assignment or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter.
Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
|
| 05/04/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
|
|
My name is XXXX XXXX a federally protected consumer and Im making this complaint against Lockhart, Morris, Mont. for committing identity theft. I have never given Lockhart, Morris, Mont. any permission to use my any of my identifying information to commit mail fraud by contacting me about an alleged debt pursuant to 1692c ( c ). Iam demanding a Cease and Desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Lockhart, Morris, Mont. can provide me with sufficient documentary evidence, such as trilateral contract, that I have any legal obligation to pay them. If have any legal obligation to pay them. If this documentary evidence can not be produced and Lockhart, Morris, Mont. continues it collection efforts. I file for litigation for actual damages caused and Lockhart, Morris, Mont. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A. extortion, theft by deception, securities fraud, mail fraud. And also do u have the SSA - 89 Form on file from the S.S.A. with my Signature Please tell me you it, send me copy, Im demanding it. Upon the receipt of the documents herein and of this Notice, you are hereby notified Pursuant UCC 1 - 202f. Your prompt Attention and Response are Requested and Required. XXXX XXXX XXXX XXXX
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| 07/23/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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There are two companies which appear on my credit reports which I have requested via mail and certified mail for them to provide me with information that these services were provided and approved by me. One of them, which services supposedly occurred in XX/XX/XXXX since XX/XX/XXXX, the other which services supposedly occurred in XX/XX/XXXX since month of May. Neither of them have provided any information they continue to send me a bill that states these are my accounts but no further information to prove they are mine. Naturally, it has almost been 7 years and I can not recall if they are truly mine or even what they are for as they do not provide any details. I have written also to all three collection bureaus and nothing has occurred, until I spoke today with XXXX who advised I should file a complaint with the FDC which re-routed to you. My credit is heavily impacted by these accounts who I believe unless they prove otherwise are fraudulent and thereby causing me frustration, undue XXXX and limiting my credit abilities. I ask humbly for your assistance and intervention. I frankly do not understand why the bureaus are not asking for confirmation of the accounts prior to allowing them to show on the reports hurting all consumers. I appreciate anything you can do to assist. Thank you.
|
| 07/17/2023 |
Yes |
- Student loan
- Private student loan
|
- Getting a loan
- Confusing or misleading advertising
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|
Web |
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LOCKHART, MORRIS & MONTGOMERY XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX Phone ( XXXX ) XXXX is the collection agency for the original creditor XXXX XXXX. I went to XXXX XXXX in XXXX of XXXX and graduated in XX/XX/XXXX. I applied for the school loan which was explained that once you graduate and start working for XXXX, the company would take XXXX cents per mile to cover the cost of your loan. Upon graduating from XXXX XXXX, I tried to get coupled with a driver to start teams to go over the road, but every driver that was referred to me were either in a different state or already had a team member. XXXX only operated on team driving. I waited 2 months after graduating to be paired with a XXXX XXXX, but the school was unsuccessful at finding me a XXXX XXXX The school has since been closed down due to the murders of a few XXXX XXXX by the other team member, poor school training, poor pay and other complaints by several drivers. I do not feel I should be responsible for a loan that was misrepresented by the school in the first place. I was told misleading and outright false information from the start. The school is called XXXX and there are several complaints with the XXXX and other online websites due to the fraudulent information given by the school, but it has since closed.
|
| 08/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Lockhart, Morris, & Mont inserted this entry on my report without communicating with me. I have not received a dunning letter or anything from them. By law, prior to inserting this entry on my report, they should have communicated with me and allowed me 30 days to dispute the validity of what they are alleging. I have retrieved my report numerous times over the last few months and they are still continuing to violate my consumer rights. My communication with them in XX/XX/2019, (see attached), of which I sent certified for the certified receipt proves they received my dispute letter; however, has not responded. To date, they have had almost 60 days to respond. In my letter to them, I requested they provide an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, provide the alleged account number, date this alleged debt became payable, original delinquency date, verification that the alleged debt was assigned or sold to collector as well as a complete accounting of alleged debt. As previously mentioned, I have not received any response from this company. To that end, this entry should be deleted from my report immediately. Lockhart, Morris & Mont are continually and blatantly reporting this entry and violating my consumer rights.
|
| 08/05/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
|
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I submitted a dispute for LOCKHART , MORRIS & MONT located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I spoke with a XXXX and XXXX XXXX. They informed me that XXXX XXXX XXXX bought this account from XXXX XXXX XXXX and the parent company XXXX XXXX handed this over to Lockhart , Morris & Mont. I asked about this alleged debt first and got no where with XXXX. XXXX was also adamant about sharing information although he told me on a recording line that he could access a detailed statement for my alleged medical visit in XXXX. I have never visited a hospital by the name of XXXXXXXX XXXX XXXX. I even called my local hospital to ask them on XX/XX/2023 and they knew nothing about this.
I am asking that this company provide the proper documentation to provide validity of this alleged debt. I am asking that they provide original documentation that supports I owe debt to Lockhart , Morris & mont located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would also like to see the bill of sale and documentation where I have given consent for this company and XXXX of family companies to access any information on my person. This is a direct violation of HIPPA in regards to protecting my medical and personal health information. This also violates my consumer rights to privacy.
|
| 08/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
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LOCKHART MORRIS & MONTGO listed a collection inaccurately on my credit report that I've already had removed. The dates, in which they've listed, are false and seem to restart over and over to make the debt appear to be more recent.. The collection agency willfully re-aged and knowingly placed this collection ( with false information ) on my credit report.
I did not receive a validation/verification letter in regards to this debt being sold to them previously, before the debt appeared on my report. This has caused my credit score to drop tremendously and resulted in denials of credit lines and violated my rights.. Under FCRA and FDCPA guidelines I asked for a proper investigation, in which the bureaus claimed the debt verified. There were no interviews from family, friends, or my associates regarding my character or reputation. The date last reported is false and re-aged so how can the debt be verified and it is not 100 percent accurate. There were many violations made on the behalf of the collection agency. Including my right to privacy as stated in ( 15U.S.C 1681 section 602a ) nor did I give anyone written permission to furnish this on my report as stated in ( 15USC 1681 604a ) ( 15 U.S.C 1681g ) ( 15 U.S.C 1681c ) ( 15 U.S.C1681s2 ) ( U.S.C 1681b ) ( 1681a )
|
| 10/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I signed a contract that stated that if I completed the school, I would owe {$5000.00} for the training or work for XXXX for XXXX paid solo miles and the debt would be forgiven. XXXX of the provisions was if I quit the school, I would owe the full {$5000.00}. HOWEVER, as per XXXX, if I am asked to leave I do not owe the debt.
- XXXX. If we ask you to leave the program because you lack the necessary skills and end your employment during XXXX training or Phase XXXX - on-the-job training we will not seek repayment and the debt goes away.
I had a XXXX XXXX when during training I attempted to turn, a car appeared out of nowhere, and I nearly hit it. I was asked to leave training after this. Per the contract I signed, that makes the entire debt invalid. I did NOT quit. I was asked to leave.
Instead, XXXX continued to seek the debt, turning it over to Lockhart , Morris & Montgomery , Inc. for collections. Neither company has ever given me any paperwork stating I quit. There has been XXXX proof I violated the terms of the contract and voluntarily left. Whenever I ask for this, Lockhart , Morris & Montgomery , Inc. only sends me the contract which states I don't owe the debt because I was asked to leave.
|
| 04/13/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
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A lady called supposedly from Lockhart, Morris, & Montgomery from the telephone number XXXX. First of the time of the call was after XXXX when the website states that the office hours given by the website are only until XXXX. She refused to give her name and was looking for my deceased mothers information. She asked my father who was on the phone with her to send her a death certificate. My father said he wanted a letter stating the type of debt and the original creditor along with a request for a death certificate to be sent via mail. She argued with him insisting that he take down an address to mail the death certificate to her. He then said he was going to put me on the phone so I could discuss this matter with her. When I got on the phone I asked that she send us a letter confirming the source of the debt and how much it was totaling as well as a request for a death certificate and that only then would I send her a death certificate for my mother after reviewing the request with an attorney. She refused and started to argue with me saying I did not have permission to talk with her about it and that my father only gave her permission to give me the address to send a death certificate too. After arguing with her for about two minutes I hung up on her.
|
| 12/09/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I inquired a copy of my equivalent report when I had an alert that my credit score had decreased. I then noticed a new collection account from Lockhart , Morris & Montgomery for XXXX XXXX XXXX XXXX XXXX in the amount of {$920.00} date opened XX/XX/2023 past due as of XX/XX/2023. Before a debt collector can report your debt to XXXX or other reporting agencies they need to contact me by phone, mail a letter and wait 14 days for response, or email the customer and wait 14 days. Then if they contact consumer they send a validation notice about the debt and then they can proceed to report the debt to the credit reporting companies. Lockhart failed to follow the appropriate steps and I was not aware of this account being reported. Therefore I am requesting this debt be removed from the credit reporting agencies since the debt was not validated. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPPA ) To protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX For them to release my medical information to a third party. I am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with my signature.
|
| 02/09/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
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I have reached out to the company several and they have failed to respond to my complaints as well affidavit of truth. you are a 3rd party debt collector ( Lockhart Morris & Mo ) you are allowed to collect on a debt but not my personal information .this is a violation of my right according to the fdcpa title 15 usc 1692 2.in your bill alleged i owe this debt thats a violation 15 usc 1692 b2 3.15 usc 1692c c3 you called me at my place of employee harassing me and using profane language at and on convent time 15 usc 1692D 4.you have repeatedly called my phone when i notified you to cease all communications 15 usc 1692D 5.you threaten to sell my property this is a violation 15 usc 1692e 6 you know legal right only the power of a natural person can sue this is a violation 15 usc I this has no greatly harm my consumer report 7.15 usc 1692j deceptive forms you made this contract seem as though i owed a debt see statements you have sent out 8.15 usc 1692 k civil liability any violation found in a case is 1,000 per individual violation.
I have provided and ftc report according to section 605 b of fcra this item should be blocked within 7 days i have included it in my complaint.
your company is criminally and civilly liable and demanding remedy.
|
| 07/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Lockhart , Morris & Montgomery appeared on my credit report XX/XX/2023. Multiple attempts to contact this company and I only receive a busy signal. I have never heard of this company, I never received any notices regarding a debt with this company, nor have I received any notices of my rights pertaining this debt with this company.
The account listed on my credit report has no account number and is for {$990.00}. There is very little detail and many discrepancies with reporting across all three bureaus from this company. Ive never signed for this medical collection company and I would never allow another person to see my personal medical information. I also had Medicaid Insurance that covers any medical expense that I may have. Not to mention the fact that I have not received any bills, notices, letters or anything from this company. I have the right to demand to see a signed contract between Lockhart , Morris & Montgomery and myself. If they can not produce a signed contract from me, the consumer, then they must remove their trade line from my credit report per the Fair Credit Act. An alleged bill or alleged e-signature from a company other than Lockhart , Morris & Montgomery is not sufficient as a validation of debt.
|
| 10/20/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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i was trapped by a recruiter for XXXX they told me i could get free transport to XXXX and get my XXXX XXXX through school- they did not accept me into the school or pay my travel which came to XXXX plus hotel of XXXX the recruiter promised to call me XX/XX/XXXXXXXX XXXX XXXX months later to get me back into class - and i never got that call or took their class i also spent an additional XXXX getting my XXXX XXXX i never got a written notice they were charging me for school before i got tricked into this/ i never took class they employed collection lockhart morris montgomery agency and i never saw their letter as i moved during pandemic and they injured my credit report when they should owe me over {$1300.00} as i never took their class i flew home taxi to XXXX to XXXX XXXX XXXX XXXX for physical which i passed and license and online app class to pass the permit and i was lied to repeatedly this action and aggressive recruiting is unconscionable during a financial crisis this stunt made me spend my rent money thinking i would be able to live on their truck for three months as they promised abd caused me financial hardship XXXX was recruiter from XXXXXXXX XXXX - shame on all of them
|
| 09/02/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Back in XX/XX/XXXX this debt appeared in my credit report and I disputed as not mine because I never went to Emergency in XX/XX/XXXX. Further more when I go to the doctor I pay my visit with my health insurance and any remaining balance that is supposed to be cover my me is paid with my Flexible Spending Account card-XXXX. This debt was disputed and deleted from my XXXX Report because is not mine. Now they put the account back in my credit report. I disputed again and requested documentation that prove that is my debt and when I complaint to XXXX that this account was deleted in the past and is also 5 years old they just responded that the account is now from another Company and they have to keep it in the report. I requested documentation to prove that is mine and it was not provided to me and anyways XXXX updated the account in my report. There is not a phone # for that Company in the Report and neither that Company contacted me and I have no business with that Company. It seems that anyone can just got to XXXX and states that someone owes them to go ahead and put In your report event that was deleted and disputed in the past and also stablished that it was not your account.
|
| 05/19/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I received an alert from XXXX Credit Bureau of a collection from the following company : Lockhart , Morris & Mont XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX I never received anything in the mail regarding a debt for XXXX XXXX. I made several attempts to contact XXXX XXXX and in one occasion, I was told by a lady in the name of XXXX the debt was for back in XX/XX/XXXX of XXXX. This is almost 10 years ago. I explained to her that I never received a statement I that I had moved 3 times within the past 10 years. She could not give me much information as it wasnt available. I requested to speak to a supervisor at their Financial Services department and was transferred to a XXXX XXXX. I left 2 voicemail messages for her and as of today, I never received a callback to address this concern.
I disputed this collection with XXXX and they verified that the collection agency verified as being accurate. My concern is that this is past the Statue of Limitations which I believe is 5 yrs and this collection is just now appearing on my credit. I need help with this matter. I need this collection agency to remove me as soon as possible.
I
|
| 03/13/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
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Web |
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Collection agency, Lockhart, Morris, Montgomery continues to lie about collection of my loan and the threats they made to me and my daughter. I have never said I signed the contract. I never signed the contract. My daughter was not even in the same city when the contract was signed. The contract was emailed to me because XXXX, the salesman had it on a laptop. They claim they did not give me my full social security number and threaten me and my daughter but I have it recorded. They are lying. I can verify this. I also called the company the day the installers came and destroyed my home. I 'm trying to get the phone records now. I told them it was unacceptable. I did not want it. It states in the contract that I had three days to cancel. I also have an email stating the same thing that was sent to the company within the three business days. My daughter is listed on the contract as someone to contact if the alarm goes off and I ca n't be contacted. They only have her name and an old telephone number. XXXX and Lockhart, Morris and Montgomery are liars and scammers. I can verify everything I have said. They forged my signature and my daughter 's.
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| 09/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
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| 10/28/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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I pulled my transunion credit report and tried to fill dispute for proper verification and validation in my report. I have called multiple times get hung up with no call back.
XXXX has allowed collection and inquiries to be place on my credit report violating the fair credit act.
I am questioning accounts and inquiries I have no knowledge about, accounts that does not belong to me!
im also requesting removal of all hard inquiries not authorized by me!
I will like proper investigation with a step by step report and outcome with a immediate removal with update showing my true credit report information.
I am filing a complait to XXXX and each of these Collection Companies in question 1 ) XXXX-XXXX Account XXXX Showing a balance of {$670.00} 2 ) XXXX Account XXXX Showing a balance of {$1600.00} 3 ) XXXX XXXX Account XXXX Showing a balance of {$620.00} 4 ) XXXX XXXX Account XXXX Showing a balance of {$1400.00} 5 ) XXXX Account XXXX Showing a balance of {$540.00} Inquiries Not Authorized by me need to be removed are as follow 1 ) XXXX 2 XXXX XXXX 3 XXXX XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX
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| 08/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
|
I received a notice on my credit report that I had a new collection from Lockhart, Morris and Montgomery that I owe the amount of {$340.00}. I inquired what this was as it states this is from a hospital that I was seen at in XXXX. I called XXXX XXXX which is now known as XXXX XXXX and spoke with their billing department and they state that I owe nothing and have a XXXX balance. I asked XXXX XXXX about their collection agencies they use and if Lockhart, Morris and Montgomery is one of them, and they replied No. They collect in-house using their own collection department. They have never heard of this company. I then took it one step further and I called the VA and asked if they could help since I am seen at the VA and I am a XXXX veteran. The VA stated they can not speak with this agency as they are claiming to be a law firm. I do not owe this debt, the original place XXXX XXXX now known as XXXX XXXX states I do not owe anything and I have no outstanding balance.
If someone could kindly help me remove this as this is not okay to try to collect from a XXXX veteran.
Thank you
|
| 02/22/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX, I contacted XXXX XXXX XXXX ( XXXX ), concerning a debt that was showing up on my credit report. I explained to XXXX that I'm a veteran with full coverage through Tri-Care for life military insurance. I also informed XXXX that I was not aware of any services rendered by their company. I live in XXXX XXXX, Georgia and most of my XXXX XXXX are provided by the Veteran Administration or XXXX. I asked for XXXX to send me any billing that would confirm my being seen by them. XXXX never responded by sending a bill and their claim was removed from my credit report. XXXX of XXXX, another claim was filed because XXXX sold the claim to Lockhart , Morris & Montgomery inc XXXX XXXX XXXX We disputed the claim once again through the credit bureau. XXXX has continued to validate that the bill is mine. I believe this is medical fraud. If this is a second-part carrier, then they would have to bill my insurance. I'm not aware of what is going on, but need help with making these companies practice in good faith. The amount of the claim is XXXX. The opening date of the claim was XX/XX/XXXX.
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| 05/13/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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|
XXXX is continuing to report errors and inaccurate information on my credit Report from the collection agency LockHart Morris & Montgomery original creditor XXXX XXXX XXXX on three separate accounts.
Federal law requires that lenders report the original delinquency date of the account, and that collection agencies carry over that date so that any collection account can be deleted at the same time. A collection account is considered a continuation of the original debt.
It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the furnisher LockHart Morris & Montgomery ( such as a lender, collector, or court ) sent to the credit reporting agency as evidence that the information is correct. The information needs to be verifiable, so if its not, it should be removed from my credit report immediately.
|
| 03/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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Last month I contacted Lockhart, Morris & Montgomery. I was confused about an account on my credit report and needed more information. I spoke with a representative who claimed she was in charge of this account. I asked her if she could give me details of the ho the creditor is and the dates. She told me she could not give me that information. She said that it was against XXXX and all she could tell me that it was XXXX XXXXXXXX. That statement was a red flag, If this was my I formation used why can I not know the information about the account. I went in to tell her that I never been to that hospital and there is no way I went to that hospital during the year of XXXX. I mentioned that I lived in another state and this account could not be mine. She told me there is nothing they can do for me. She became rude and upset me when I continued to tell her. If I went to that hospital I would have signed up for assistance but I didnt even live in the area mentioned during that time.
Now I am stuck with this in my credit and no way to resolve my issue.
|
| 12/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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|
I sent a letter out on XX/XX/XXXX to LOCKAHART MORRIS & MONTGOMERY However they said the completed investigation and everything was 100 % accurate.
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
I would like to know who did they talk to.
How did they complete this investigation
|
| 06/19/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I checked my credit reports and noticed that on my XXXX credit report that my score had dropped because of a collection from this company. I have NEVER received ANY information regarding this debt. No letters, no telephone call, NO communications, it was placed onto my credit profile. This debt was for XXXX XXXX XXXX in North Carolina. At that time, I had XXXX XXXX XXXX and my insurance paid the balances. I do NOT have any other collections items on my credit profile and was SHOCKED when I learned of this inaccurate information.
I can not get ANY sort of validation or PROOF of said debt, and it appears it has been " sold '' to someone from XXXX XXXX. I do not have an issue paying the debt of {$200.00} IF it is valid. HOWEVER, I can not find a contract the I SIGNED saying that I owe ANY monies to Lockhart, Morris, and Montgomery. Therefore this debt is INVALID I want this bogus collection account removed from ALL of my credit profile IMMEDIATELY or I will seek further legal action
|
| 03/31/2017 |
Yes |
- Debt collection
- Non-federal student loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Beyond all measures this company have failed to provide efficient proof that the debt owed was dispersed from XXXX, they uploaded documents of me asking to have unauthorized inquires removed and a fraud alert from XXXX, but fell to upload the affidavit that legitimize the allege debt. The original lender on the contract that I signed says XXXX, who denied giving me a loan. In the previous claim submitted to the CFPB Case number : XXXX by me. Lockhart, Morris, and Montgomery INC. came to the conclusion that XXXX supplied them with an affidavit signed by me, with XXXX as the original lender of the alleged loan. Since they will not send me the affidavit, I would like to see it uploaded to this website, as validation of debt. I REPEAT DO NOT MAIL AFFIDAVIT TO ME, UPLOAD IT TO THIS WEBSITE WITH YOUR RESPONSE. If they can not furnish such document. I want this debt removed from all credit bureaus. A copy of their response to the previous complaint have been uploaded.
|
| 07/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt is illegally being reported to my XXXX and XXXX Credit File. I do NOT have any contracts between myself and _____ ( debt collector ) They have failed to provide documentation that the debt is legal.
The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied.
This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility.
What I want?
I want this debt listed by XXXX immediately removed from all of my credit profiles.
They will ask have you tried to resolve this issue with the company.
I have tried to resolve this and they are unable to verify that I have a debt / document with their company.
That should be it. Make sure you put your social and email so they can respond and notify you of updates.
|
| 02/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have a debt that was recently added to my credit for {$2900.00} from Lockhart & mo.. I've attempted to contact Lockhart and a woman named XXXX was clearly the head of answering phones. She was rude, nasty, yelling at me. She told me this is my debt and I need to pay it, stop running in circles because she's already talked to me before. I've never talked to this woman or anyone about a debt. I have a decent credit score, I keep up with my bills, I always pay on time. Because of this, Lockhart was able to get my XXXX credit card company of over 7 years to cancel my account. Which I need reinstated immediately. This woman XXXX says this debt happened in Arkansas, XXXX of XXXX I've lived in the state of Connecticut since XX/XX/2015. Nothing adds up here. I've called XXXX a million times for help and I either get no where with the robot system or my results always come back from my dispute as pending ... who do I have to contact to get this fixed right away.?
|
| 12/17/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX Account # XXXX ( input accounts ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 12/06/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I recently filed a report with XXXX, XXXX, and XXXX of inaccurate items being reported on my credit reports. XXXX and XXXX removed the above mentioned item once an FTC Report and documents to verify my identity were sent. XXXX did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
|
| 08/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've tried multiple times to have this removed from my credit report and have gotten nowhere with these companies. Saying I owe money for my commercial driver 's license that I've had long before any of the dates started thats associated with this account. My cdl-a license on XX/XX/XXXX from XXXX XXXX Who in the right mind would pay for training that they've had prior. It's absurd. I feel discriminated on because I'm half XXXX half XXXX XXXX XXXX. Furthermore this is a violation to my right to privacy. I've never given permission to anyone to pull, post, browse, or do anything involving my credit reports for XXXX, XXXX, and XXXX. I would like for this to be taken off all three bureaus. XXXX people everywhere. I can't by a can't buy a car, house, or anything of value with this XXXX on my credit report for on account XXXX lockhart, morris, and Mont. Dated on XX/XX/XXXX. Remember I got my license before that date above.
|
| 12/02/2022 |
No |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
In 2018, I signed a TRAP agreement with XXXX XXXX in order to get my XXXX. The agreement was that I work for them for a year and owe nothing. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This happened at the XXXX XXXX in XXXX, CA in XXXX of 2018 in a public area and was in fact filmed from multiple directions with audio. I attempted to file charges but the other employee said he was trying to help me because I tripped. I didn't trip. Cameras confirmed that. I reported the incident the next day and XXXX XXXX did nothing. I quit because I did not feel safe and discovered that because I left before the agreed time that they put a NEFR on my record and have put a derogatory mark on my credit. I do not feel that it should be legal for a company to ignore blatant safety issues that are on record nor punish an employee for leaving when they feel their safety is in jeopardy.
|
| 06/08/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XXXX a firm called Lockhart Morris & Mo on XX/XX/XXXX filed a Derogatory remark that lowered my credit score on a medical bill Collections account that was incurred in mid XX/XX/XXXX at XXXX XXXX XXXX XXXX for {$1000.00}. This account is not eligible for such a negative impact status since it is now near to 7 years of age old. XXXX link from consumerfinance.gov in order to Dispute with XXXX are broken as of XX/XX/XXXX. Also the Dispute Claim link from their website ( after member registration and Terms Agreement and then Login ) did not respond as of XX/XX/XXXX either. Today, XX/XX/XXXX member login attempts at XXXX does not even offer slots of Name or Password to fill in. When clicking the XXXX link ( XXXX XXXX XXXX XXXX XXXX ), it simply reads ...
" The requested URL was rejected. Please consult with your administrator.
Your support ID is : XXXX [ Go Back ] ''
|
| 02/18/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Servicemember |
|
i went to a XXXX school called XXXX located in XXXX fl. took out a loan with a company called XXXX to help pay for XXXX school. a few months down the road i ended up unemployed, becasue my wife joined the army leaving me with no choice but to quit and take care of my kid.
so my loan ended up going into collections with a company called XXXX , Inc located at XXXX XXXX XXXX XXXX, Texas XXXX this is where their harassment began i spoke with them and told them about my situation and that once i find a solution ( job or some how obtain the money to pay them back ) that i would contact them. they went on and started call me every day and when i would n't pick they would call all my family and friends even people i have n't spoken to in years and they would call all family and friends every single day telling them about my collection and to tell me to call them back
|
| 12/16/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
To whom this may concern ; I am contacting you in regards to a dispute that is currently being reported inaccurately on my credit report ( XXXX and XXXX ) from collection agency Lockhart Morris & Montgomery.
Lockhart Morris & Montgomery is reporting a unpaid debt ; from XX/XX/2017 to this current date, totaling in the amount of {$5800.00}.
On approximately XX/XX/2017 ; I received an email from a collection agency, XXXX XXXX XXXX XXXX, Account Supervisor : XXXX XXXX in regards to a settlement offer for {$1000.00}.
Once paid, the debt would be considered settled in full.
On XX/XX/2017 a payment of {$500.00} was made to XXXX XXXX XXXX XXXX.
On XX/XX/2017 a payment of {$500.00} was made to XXXX XXXX XXXX XXXX.
On XX/XX/2017 I received a email and receipt confirming the account is fully satisfied, from XXXX XXXX XXXX XXXX Account Supervisor : XXXX XXXX XXXX
|
| 07/22/2022 |
No |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I went to XXXX XXXX with an option to stay at the company and debt would be forgiven. I decided to leave and changed home state. I Called family and went back to my home state to wait on bill, till today I have not received a physical bill. I received calls from swift at the beginning before moths from now I started receiving calls from a third party for collection. I stated to each party that I never received bill. About one month ago they put the debt in my credit report but I never refused to pay bill. I have not received the bill in writing. How can I pay this? Than I also see that the bill was increased by {$2000.00} from the original agreement signed at XXXX XXXX XXXX. This is bad business practice and I am not going to pay bill without receiving physical copy- also date is wrong. I went to XXXX school last year in XXXX. Please see attachment.
|
| 08/31/2021 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Lockhart, Morris & Montgomery , Inc. has been harassing me about a debt that I do not owe via telephone and mail. I have told them numerous times that I do not owe any debt and that I am not paying any alleged debt. 15 USC 1692b ( 2 ) -Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; 15 USC 1692b ( 5 ) ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; I have sent letters of me disputing this alleged debt. I have also sent them an affidavit of truth, debt validation, cease and desist.
|
| 07/03/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
To who it my concern i XXXX XXXX already have three complaints in with the cfpb on XXXX call to update i did that first letter on XXXX another letter XXXX contract us need more information i did that on on XXXX XXXX another came said complaint been sent on XXXX XXXX another letter company has responded still working on it got another letter on XXXX XXXX review the companys response to my complaints call the cfpb on XXXX called transunion closed two open ageny couldn't tell or explain to the responded on XXXX i talk to XXXX at XXXX regional office she said this should've been closed XXXX sold it to lockheart morris and Montgomery i cal led they the reception is told her what was happening she disrespect me lockheart morris been calling every XXXX said they going take me and me today at XXXX XXXX XXXX i senting all my documents to cfpb
|
| 01/31/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I declare under penalty pf perjury ( under the laws of the UNITED STATES, if executed outside of the UNITED STATES ) that the foregoing is true & correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL & STATE LAW to file this dispute. I also understand that knowing & willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001 Additionally these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods services, or money & was successful in creating some accounts. All. is being investigated by the FTC
|
| 02/14/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Back in 2015 I went to XXXX XXXX XXXX XXXX school. They say they will help you get your XXXX, and reimburse the cost of school after you work there for x amount of time. They then make it impossible to work for them. Shortly after I quit it my credit, after the time expired for them to take it to court they threatened a law suit with XXXX XXXX as their debt collector. A couple months ago when I filled that complaint with you, XXXX agreed not to sue, and to remove it from my credit. Now XXXX has hired another collection agency who has relisted it on my credit. XXXX and their predatory lending practices continue to harass me and my family. They have threatened me, lied about loan amounts, and seemingly edited the original contract. Not to mention now I supposedly owe 4 thousand plus- not what my paperwork shows.
|
| 08/19/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
THIS ACCOUNT DOES NOT BELONG TO ME SOMEONE USED MY INFORMATION TO GO TO THIS SCHOOL MY PHOTO ID AND SOCIAL SECURITY NUMBER I am writing to request and initiate a formal complaint against XXXX, XXXX and XXXX CRA. On XX/XX/2020, I mailed XXXX, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
|
| 03/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 08/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Currently, I don't have a job and I can't apply for jobs at trucking companies.
All the truck companies I applied to required : - 3 months experience - Graduates of XXXX A need school certificates and transcripts With the driver training agreement from XXXX, I didn't get a job anywhere and couldn't use it for anything else.
I didn't quit my job during my training at XXXX. The staff at the new driver training center stopped my work with unconvincing reasons.
I need more time 1 year for me to have a stable job and I will pay the driver training agreement payment as below : Weekly Payment Plan for a term of 1 year ( interest free ) : {$110.00} per week And I also need XXXX help and facilitate, so that I can apply for jobs at truck companies, related to the amount that I have agreed with CRST.
|
| 01/18/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
On XX/XX/XXXX, I received four collection letters from Lockhart , Morris & Montgomery Inc, for old medical debt stemming from a hospital stay from XX/XX/XXXX to XX/XX/XXXX. This debt was previously resolved on XX/XX/XXXX, by the previous debt collector, XXXX XXXX XXXX, which was the collection agency for XXXX XXXX XXXX XXXX XXXX.
I have enclosed the letter I sent to Lockhart, the collection letters from Lockhart, and the billing statement from XXXX that shows a XXXX balance for all charges.
I am not responsible for this debt. I do not owe the amount claimed by Lockhart. It has been paid in full. As you will see from the enclosed OnLine Information Services, the previous collector of debt canceled all balances and instructed the credit bureaus to remove all accounts from my credit file.
|
| 05/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Worked for XXXX in approximately XXXX. Was under 10 month contract. Completed contract. Three years into working for another company I got bill in the mail from XXXX.
So, I Called for an explination. Was told it was taxes on schooling. Was told not to worry about it, and never received a bill again. Now XXXX, I am working my credit to purchase home and noticed this is negatively affecting my credit report. I do not owe XXXX anything, I finished my contract, had them deduct the housing cost from my pay each week as in the contract, and drove for them for 10 months as in the contract.
The collection agency is Lockhart, Morris & Montgo, opened on XX/XX/XXXX. according to credit report from XX/XX/XXXX until XX/XX/XXXX {$72.00} was owed, then in XX/XX/XXXX until present {$52.00} was owed.
|
| 02/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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There is an account reporting on my account showing a balance owed from a company that was involved in a lawsuit where the company ended up sending me a check as a part of the class action lawsuit settlement. The account on my credit report is showing up under Lockhart, Morris and Montgomery. The original company/creditor is XXXX XXXX. XXXX XXXX was sued and ended up having to pay {>= $1,000,000}. I do not owe this company any money. The company sent me a check from the lawsuit. See the attachment to this complaint. I do not know why this company has this collection company reporting that I owe any money to them on my credit report. This is wrong. See the lawsuit notice/summary from the court that is attached. The lawyer 's contact information is listed on the notice from the court.
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| 01/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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LOCKHART, MORRIS & MONT has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile.
605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. ( letters attached to show when I disputed account below ) This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
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| 06/23/2023 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This bill is something that I have not received a statement for. It literally showed up on my Credit Report around two months ago. I disputed and the two credit bureaus have allowed it to stay on my credit despite not have a legitimate statement of a bill of any kind to tell me when this so called transaction happened, etc. Ive had health insurance for many years and usually dont receive any amount owed. This is the reason Im clueless as to what this bill is and why it went straight to my report. If it is an extremely old bill, I thought there were limits on how many years one can seek to purposely damage credit. Please investigate and let me know the dates, the place of service, etc as I have no clue since I havent/didnt receive anything concerning this transaction! Thank you!
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| 07/10/2023 |
No |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX XXXX XXXX XXXX gave us a contract to protect our home. The service never worked properly. When cancelling, they promised us all upgraded equipment for free with another contract. They showed up once and didnt bring equipment. Since then, there are false statements of them saying they came when they didnt and made calls to me that never happened. After battling for years I just want this to end. I have equipment that is from the first contract and so outdated it didnt work with the second contract. I should not have to pay for a service that was never provided to me. Looking into this company now, I regret ever getting in contract with them. They dont let you cancel and keep tacking on money. I am not the only person with these issues. I will not pay for them.
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| 12/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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After reviewing my credit profile XXXX, I identified a discrepancy with the account listed below and requested validation as this was an account I did not recognize. Its been over a month and I still have not received any correspondence from the creditor validation that the account belongs to me. I reviewed my credit report again XXXX and the account is still reflected on my account. I sent a second letter of debt validation and have yet to receive any debt validation. I do not believe this account belongs to me, nor do I believe that the creditor has the authorization to access this account or authorization to attempt to collect on this account. this account continues to negatively affect my credit profile. Please remove this account from all three credit bureaus.
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| 04/04/2023 |
Yes |
- Debt collection
- Private student loan debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I have reached out to XXXX XXXX and to Lockhart and morris collection company, I found an agreement with the school stating that I had to work for them for one year and that that would be resolved. I worked from them from XX/XX/XXXX up until I left Georgia in XX/XX/XXXX. After speaking with the school, they agreed at the speaking with Lockhart and Morris. They sent information to the school and then sent me a copy of the contract, which I already have, and still did not resolve the issue. my work dates for XXXX XXXX was I started school XX/XX/XXXX got my license XX/XX/XXXX from there. I did my training from XX/XX/XXXX until XX/XX/XXXX was waiting for the next part of my training and on a leave started back up and XX/XX/XXXX and was there until XX/XX/XXXX.
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| 06/03/2020 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Indicated you were committing crime by not paying debt
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Web |
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This account was reported to collections and posted on my credit report as derogatory without the initial company, XXXX. XXXX even contacting me first. I have disputed this account on multiple sites asking for basic information supporting this debt such as but not exclusive to : a copy of the written agreement entitling me to pay the original creditor, a copy of the last billing statement sent to me from the original creditor, a copy of the exact amount from the original creditor before it was sold to a collections company, and a copy of the original creditor writing a statement entailing when the debt became due and when it was being sent to collections. Im requesting documentation that literally proves the accuracy of this debt to no avail.
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| 08/23/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
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| 11/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Collection agency XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$870.00} and Lockhart Morris & Mont, on XX/XX/XXXX in the amount of {$1400.00} added a derogatory mark on my credit report per XXXX XXXX, Upon Further research the accounts were transfered/ soled and I am no longer responsible for the account. Debtor 's creditor did not verify this collection, also there was NO written form of communication, contract nor signature for this accused debt at all. A bill without a signature does not validate a debt and anybody can send a bill and say it's mines. According to the FCRA ( Fair credit reporting act ) XXXX XXXX has violated my rights as a consumer and I am requesting legal action to have these accounts be removed immediately.
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| 06/08/2023 |
Yes |
- Debt collection
- Private student loan debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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XXXX XXXX XXXX company via In house collection agency XXXX XXXX XXXX XXXX settled {$6100.00} loan that was allegedly owed by me in 2018. Recently Lockhart Morris & Montgomery has contacted me on several occasions through deception allegeding that they work for XXXX XXXX XXXX XXXX and is collecting a past due debt for them. I have spoken with XXXX XXXX XXXX XXXX numerous occasions and they have assured me that I don't owe them. Lockhart Morris & Montgomery have called me threatening and demanding that I pay them or else using abusive language. Also Lockhart Morris & Montgomery has admitted that I don't owe them anything. I have received abusive phone calls from XXXX XXXX and XXXX XXXX who work for Lockhart Morris & Montgomery.
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| 06/30/2020 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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Accounts -3 Total amount - XXXX Dates of original service by original service provider - XX/XX/14, XX/XX/14, XX/XX/14 I wanted to make a settlement. We couldnt agree to terms, I was threatened to get sued along with damaging my credit further. Comments where made I wish those payments could go directly into my bank account.
I didnt know that a debt collector could bring back a payment on your credit report that is more that XXXX XXXX XXXX.
I never received documentation from debt collector off the accounts owed. I found them on my credit report. After the first call is when I began to receive calls from them but still no information about debt was ever sent by company. I only can view it on my credit report.
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| 02/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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The collection agency XXXX XXXX is reporting a XXXX Account they do not own. I find this false and misleading since they never reported all the on-time payments made to XXXX. How can they go right to charge off? They put this on my credit report for one reason, to get me to pay. This is " weaponization '' at its finest.
I have no issue paying, I want this removed immediately! if all of my on-time payments are not being reported, and if the history I had with XXXX is not being reported then they should not be allowed to report this to my credit!
I never had a credit agreement with XXXX XXXX. This is bringing my credit report down, and needs to be removed immediately. This is incredibly unfair and unjust!
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| 02/20/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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The open dates for are not accurate and the account numbers are invalid. XXXX, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account.
This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
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| 06/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Lockhart, Morris and Montgomery placed a collection on my credit report for a balance due of {$92.00} from XXXX XXXX XXXX XXXX. This company has never reached out to me about this debt. I was actually sent a refund for the account in question, so there isn't anyway I have a balance due. Refund was {$150.00}. It is unfair and damaging for this company do be able to report something on a credit report that is not actually due. Please investigate this. Debt collector would not verify any of my info and said they sent me several letters, although they could not tell me when those letters were sent.
I work very hard to keep my credit good and up to date, fraudulent instances like this hurt my credit.
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| 12/19/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
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| 05/24/2023 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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The doctor 's office tried to collect this debt six months ago and I explained the debt is not mine. I did not receive the ER service being charged.
Two months ago the debt was sent to the LOCKHART, MORRIS & MONTGO collections agency. We disputed and asked for an itemized list. The representative said date of birth is not a match and that it could take them up to six months to process the dispute and said I could not get an itemized list because the DOB is not a match with mine.
I just need this debt to be removed from my name because I am trying to consolidate all my other real debts so that I can be current and it is affecting my current loan calculations because it appears under my name.
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| 09/12/2021 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I mailed a debt validation letter to Lockhart , Morris & Montgomery , INCXXXX on XX/XX/2021. The company received the letter on XX/XX/2021 and has failed to validate my debt. Instead they sent a list of my medical records on XX/XX/2021, which I know is a direct violation of HIPAA regulations. I never signed a HIPAA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.
1st account : XXXX XXXX, XXXX ( current creditor ) XXXX XXXX ( original creditor ) Total Amount Due : {$350.00} 2nd account : XXXX XXXX, XXXX ( current creditor ) XXXX XXXX ( original creditor ) Total Amount Due : {$320.00}
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| 06/18/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I saw two inaccurate collections about medical bills that I dont recognize on my XXXX XXXXredit monitoring service. Ive been trying to dispute and they dont want to delete even though these two dont belong to me.
It says it was open on XXXX of XXXX and also says it was almost 7 years ago.
Those two collections are : Lockhart, Morris & Mont Amount : XXXX And the other one from the same company in the amount of : XXXX.
I was a victim of Identity Theft around this time. This company is NOT showing a validation of the debt and XXXX doesnt want to delete and doesnt let me to dispute it.
I found this abusive and its affecting my credit for more than 100 points.
Please help!
XXXX XXXX
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| 11/20/2023 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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They are in direct violation of my rights per the FCRA as they are reporting false information and refuse to delete the account from my credit file. I've submitted a dispute to both the collection agency as well as the credit bureaus, but they continue to confirm that this debt is coming back valid. I paid the owed amount of {$2100.00} to the original creditor via cashiers check and confirmed with my banking facility that the check was cashed by the original creditor on XX/XX/23. I have submitted a complaint with the State Attorney 's General Office as well, given that the collection agency is in direct violation I can exercise my right to file a lawsuit, but just want the item deleted.
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| 11/23/2022 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Lockhart , Morris & Montgomery , Inc . has been calling me early in the morning before XXXX about a debt that they assume that I owe. they didn't sent me any letters regarding the debt. so I file a dispute on with them asking them to verify the debt by law they have 30 business days to Respond to the letter, and I didn't hear back back and that's a violation, Im submitting this complain to get that mess off my credit. since they couldn't verify the debt. XX/XX/2022 is when I mailed in my first dispute letter to the company. their address XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX as its reporting on my credit profile. if they can't Verify it NEEDS TO BE DELETED ASP.
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| 01/15/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
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| 12/22/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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I contacted Lockhart Morris & Montgomery to discuss the settlement of this debt that is now 5 years old.
The date of delinquency should be XXXX not XXXX, they refuse to change the status to honor the first date of delinquency and never provided validation information beyond a contract from XXXX that shows the date of XXXX.
I want a fair settlement with XXXX XXXX XXXX.
I could no longer attend and complete the program due to a DUI that was incurred when taking the class so had to leave.
I could not complete employment with XXXX due to to this unfortunate circumstance.
The inacurrate negative reporting date is not legal based on requirements I have read.
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| 11/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Older American |
|
This company, Lockhart , Morris & Montgomery contacted me sometime in XX/XX/2022, claiming that I owed them {$7800.00}. On XX/XX/2022, I requested a copy of any documents, bearing my original signature, showing that I have ( or ever had ) some contractual obligation to pay the alleged amount. When they could not provide such competent validation of the debt, I again wrote them on XX/XX/2022 requesting to have the debt deleted from my credit report. When I noticed that they did not respond to my demand, I sent them another letter on XX/XX/2022 asking them to remove the item from my credit report. They have refused to do so. Hence, I am filing this complaint.
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| 09/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing this dispute letter on my own behalf. Please be aware that I am well-informed about my rights, as I have recently studied U.S. laws XXXX I am particularly aware of the provisions in the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), which grant me the right to safeguard my privacy and medical records from third parties. It is important to emphasize that I do not grant permission for any third-party collection agency to access my personal financial information. While I acknowledge that HIPAA allows for limited information disclosure, any such details can only be shared with the patient 's explicit authorization
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| 04/01/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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On my credit report, I have 3 accounts in collections. I am currently on Medicaid and have been since the beginning of last year. Medicaid said the accounts should already be paid but of course they were sent to collections and now my credit report has since spiraled downhill for a bill that should have been paid. I called my doctors clinic and reported that Ive been on Medicaid and it was already in the system. I then took the steps to contact Lockhart , Morris & Mont but they will not call me back or take my Medicaid to pay it off. I need help because I have Medicaid and everything should be handled. My credit report is suffering because of this
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| 06/05/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Servicemember |
|
Never received any written information about supposed debt. Never heard of this company. The company they're claiming the debt is from is closed, and they subsequently can't verify the debt in the first place. This debt is supposedly only a few months old from a company in Arizona, but we haven't lived in Arizona for 3 years. The last time I went to any sort of medical facility in Arizona was 5+ years ago which is beyond any statute of limitations for medical debt. There is no possible way this debt is mine, but it is being reported to the credit bureaus. They aren't legally allowed to report it if we haven't been notified in writing of the debt.
|
| 07/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have already disputed this account and won same debt with a different debt collector the account was turned to closed account then removed now it's back as a derogatory collection the have the wrong information the account was open like 5 years ago I'm aggravated cause it just damaged my perfect credit score that I been working hard onIn accordance with fair credit reporting act XXXX account Lockhart, Morris and Mont Has violated my right. 15 u.s.c 1681 section 602 A. States I have right to privacy. 15 u.s.c 1681 section 604 A section 2 : it's also state a consumer reporting agency can not furnish account with out my written instructions.
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| 03/29/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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Last year a debt collection was added to my credit that I did not recognize. I immediately called the agency and asked for a verification letter. Months went by and I never got one. I called them back again. A gentleman by last name XXXX answered I explained the situation and they dated they would send me the letter. A few weeks later after many calls and him saying hes has the file and will send it shortly he sent me a file via email that looked like he typed it himself. I have since tried to reach out to the company to get actual proof of this debt with no luck. Theyre all rude unprofessional and never respond to any calls or voice mails.
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| 07/27/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I am hereby requesting the deletion and removal of the listed accounts and associated information from my consumer report. It has come to my attention that these accounts should not have been reported, and their presence on my report constitutes a direct violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist that these accounts and information be promptly deleted from my consumer report to rectify the violation of these laws. Immediate action is required to ensure compliance with the FDCPA and FCRA. Please remove these accounts and associated information without any delay.
|
| 11/25/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I recieved a new report on my consumer report from LOCKHART, MORRIS & MONT which damaged my credit from a old medical debt that I asked them to verifiy. XXXX XXXX XXXX is the original creditor but they sold this account three different times and I reported this to the credit bureaus because of inaccuracy of this account.
From my understanding medical debt should not be reporting to my consumer report as of XX/XX/2022. Why was this allowed? This violated HIPPA laws and all. My information should have not been sold. It is confidential information.
The amount is {$110.00} Account number is XXXX...
Date status reported : XX/XX/2022
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| 11/14/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I called Lockhart Morris and Montgomery on XXXX XXXX, XXXX. I called about a debt with XXXX XXXX, to setup a payment plan. XXXX said, " I could n't because I could n't pay a down payment. '' Then we ended the call. After I ended the call, I received a email that my credit was ran for a installment loan. I never asked for or authorized the loan to be ran. I called Lockhart and told them I did n't authorize them to run my credit for any loans. She told me that there allowed to run my credit for loans because, I have a contract with swift. I am now seriously concerned that they will use my personal information for XXXX knows what.
|
| 07/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
After leaving the company as driver, the company claims I owe them because I was supposed to work for them for XXXX months but I did XXXX months. I remember I did not sign such a contract with them.
I requested they provide a contract that I signed that states I will owe them when I decided to leave before XXXX months but they didn't and they keep reporting the debt on my credit I requested for itemized receipts of the services they provided that costed me XXXX dollar and they didn't provide it.
They should be the ones owing me because I was paid less than minimum wage and they lied about how much I would make weekly
|
| 09/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Someone has taken my identity and I guess you would call it fraud XXXX, {$1400.00}, by consumer XXXX associated XXXX XXXX XXXX another one on XXXX XXXX {$2600.00} by XXXX XXXX & XXXX XXXX XXXX XXXX XXXX by XXXX, XXXX, XXXX with XXXX XXXX XXXX XXXX {$770.00} on XX/XX/23 and I was incarcerated from XXXX came home XXXX and I never heard of these companies and I wanted to get this straightened out because the only reason how I found out about it because I almost got scammed by a loan company claiming to be this loan agency but when they ask me to go get a gift card I called the real loan company and they told me it was fraud
|
| 12/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
To whom this may concern Im writing this because there has been an in accurate report on my credit my name is XXXX XXXX XXXX not anything else and this person they have listed is not me and this is becoming a real issue. When I called LOCKHART MORRIS & MO to inquire about this and have it removed they said to me thats the way the cookie crumbles sometimes. Ive been trying to get this corrected and removed with no response after the first one and this is unfair medically negligent in correct and needs to be removed. Ive never even been to this place in my life this is wrong and should be illegal please remove this.
|
| 07/04/2023 |
Yes |
- Student loan
- Private student loan
|
- Getting a loan
- Confusing or misleading advertising
|
|
Web |
|
|
Since XX/XX/2021, I applied Aid Financial.gov ( Fasfa ) for student loan and even paid {$5700.00}, so I had {$900.00} left. But it bothers me a lot to pay the rest of the money so I have the letter from President Joe Biden and Vice President XXXX XXXX who wrote me not to pay anymore until the new court decision. And it's been 4 days since President Joe Biden canceled academic debt, but why did I get the letter again from this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Tx XXXX, with their phone ( XXXX ) XXXX keep writing me to tell me that they will send me to the collection?
|
| 03/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2021 LOCKHART, MORRIS & MONT, added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was tranferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there is NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, LOCKHART, MORRIS & MONT, has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
|
| 04/19/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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Lockhart , Morris & Montgomery , Inc .
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX PHONE : XXXX XXXX The above collection agency placed a debt on my credit report that was expired. this was for emergency medical condition. In the state of Illinois unwritten contracts which medical bills are, are only enforceable for 5 years. This company placed this on my credit report after the 5 years and also they never contacted me about this debt. I have asked this to be removed but they have failed to comply. An out of state debt collector should know the laws of the state there trying to collect from.
( XXXX )
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| 09/07/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
|
After twice writing to XXXX and XXXX asking for them to adhere to federal law sending me physical proof of these alleged debts they 're reporting, both times they have NOT and keep reporting these two fraudulent accounts as this infringes upon my consumer rights and also are violating my civil rights.The alleged debts they are reporting are from some company named Lockhart Morris and Mont in the amount of {$4800.00} and XXXX XXXX with a paid charge off of $ XXXX.I have also reached out to the both of them to no avail.I thought XXXX and XXXX were suppose to physically verify alleged debts before reporting.
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| 01/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
Servicemember |
|
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
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| 03/24/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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|
Web |
|
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This Item showing on my credit report on XXXX such as : LockHart, Morris & Mont XXXX # : XXXX oringinal creditor : XXXX account type : collection date opened : XX/XX/XXXX oringinal balance {$1500.00} terms : XXXX XXXX payment history delinquent on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX contact information : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Moreover, this account was deleted previously do to class action lawsuit reasons then it was later reinserted under a different balance amount?
I therefore demand proper documentation of the litigation results to validate or verify this item?
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| 08/04/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
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On XX/XX/2022, I received a letter from Lockhart , Morris & Montgomery informing me of an electric debt with XXXX XXXX XXXX XXXX. Within the letter, it stated that I had until XX/XX/2022 to respond to the letter to either pay or dispute the debt. This debt does not belong to me, so I responded with a certified letter on XX/XX/2022. As of today, XX/XX/2022, I received a notification from XXXX that this debt has been added to my credit report as a derogatory debt collection. This is a violation and should be removed from my credit report ASAP. I was not allotted the full time to respond to this letter.
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| 11/07/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
|
|
Lockhart Morris is requesting that I owe {$2900.00} Which is false even the dates they are giving me are incorrect also this collection was closed a while back they claim to be a Lawyers office they call and harass me AND MY FAMILY several times a day stating that if the debt is not paid in full Ill be taken to court and arrested along with verbal abuse, foul language, rude statements and threats which is very unprofessional I have asked to be mailed proof and proper documentation of the debt and received nothing from them I have also asked multiple times for them to stop harassing Me and my family
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| 01/03/2022 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Indicated you were committing crime by not paying debt
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|
Web |
|
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I keep getting bills from Lockhart , Morris & Montgomery , Inc and XXXX XXXX XXXX.
I received a letter, I called and they have info on the account number they provided on the letter. No one can tell me what services were provided. What I am being charged for.
I requested a copy of the bill and services provided, I was told they would have to request those doc 's and then tried to pressure me into paying {$470.00}.
I need help .... I do not know why they are billing me and adding this to my credit bureau report.
Please help!!!!
XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXX
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| 09/08/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
|
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LOCKHART, MORRIS & MONTGOMERY are reporting to the credit bureaus a collection of {$2500.00}. I have no relationship or agreement with them or anybody that they represent. I requested for validation of this collection/debt and was never provided anything. If there is any contract, the contract is fraudulent. On top of that, on XX/XX/2022 XXXX XXXX a representative of the company released my personal information over the phone to another party. XXXX XXXX on XX/XX/2022 confirmed to me that there was no confirmation of identity before she released my information as he reviewed the recorded call.
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| 12/23/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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This letter is a formal complaint. You are reporting every month inaccurate and incomplete credit information, according to the Fair Credit Reporting Act 609a ( 1 ) a ; you are required by Federal Law to verify threw physical verification of the Original sign CONTRACT with your company. Any and all accounts you post on a credit report, otherwise any one paying you for debt is probably fraudulent.
I demand to See a Verified Proof. If you fail to Validate, Remove from my account immediately.
When your system is UPDATED send me an copy of it also with the proof of physical verification.
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| 01/03/2022 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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|
Web |
Servicemember |
|
THE MEDICAL BILLS ACCORDED ON XX/XX/18 AND THE EMERGENCY ROOM HAS CONTINUED TO TRY TO SUE ME AND GARNISH MY WAGES BEHIND. When I submitted my first complaint with XXXX the company then sold my information to another company with misleading dates which were not the dates the account was XXXX. IF the account did occur XX/XX/18 which would make them near the XXXX exemption for a creditor to continue this XXXX style collection. I am so glad I only had a XXXX XXXX and NOT covid. But that's how old this debt is. Unfortunately, I will not back down or stop from these illegal practices!!!
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| 06/14/2016 |
Yes |
- Debt collection
- I do not know
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- Taking/threatening an illegal action
- Seized/Attempted to seize property
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|
Web |
|
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I owe XXXX for my tuition, I have tried to work with them to resolve this and pay it off. Instead they send my bill to Morris Lockhart and Montgomery in XXXX texas, and now they are threatening to take my XXXX away and get a hold of my employer and have me fired.
They know what I do for a living, and still they call me while I 'm XXXX ( working ), nearly causing me to wreck on several occasions because I become so perturbed and distraught at the thought of losing my livelihood.
( Side note : I use a hands free communications device while driving, in the event of an emergency. )
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| 04/12/2022 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
Servicemember |
|
I received a collection notice from Morris, Lockhart , & Montgomery on XX/XX/XXXX. The letter stated I had 30 days to request a debt validation letter. I sent my debt verification letter on XX/XX/XXXX via certified mail. The letter was received but it has been more than 30 days since i requested the letter and i have not received this information. This debt has been reported to the credit reporting agencies. Because it has been more than 30 days and they have not responded to my verification letter, its a violation of the Fair Debt Collection Practices Act ( FDCPA ).
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| 05/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
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| 01/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
|
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XXXX is wanting to collect {$5000.00} for a XXXX XXXX called XXXX XXXX. I called my recruiter twice about having issues with them verbally abusing me. The instructors called me mentally challenged. They flunked me for air brake issue on the XXXX exam. When an instructor advised me that its a safety mechanism on the XXXX truck that wont let me test the tractor pull for the parking brake and service break test on XX/XX/2022. On XX/XX/2022 I called my recruiter, XXXX XXXX, again and finally got an answer. I advised her what happened and she had nothing to say.
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| 10/07/2022 |
No |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
Lockhart Morris & Montgomery has been trying to extort me for nearly 2x the amount I owe to XXXX XXXX XXXX. XXXX XXXX XXXX only called me once to negotiate the debt before they sold it to Lockhart. I have the receipt in my email from XXXX for the true amount that I owe and it is only {$3300.00}. Lockhart says I owe them {$7200.00}. I NEVER took out any type of contract with Lockhart and have requested them to provide proof numerous times of any contractual agreement I have with their company. I do not owe a debt to them so I will not be paying them.
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| 08/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
Older American, Servicemember |
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Lockhart, Morris, Mont is attempting to collect a debt for XXXX XXXX XXXX, company about three years ago did a partial install and called it complete home safety, which left more than half of my home unsecured. When questioned, I was told and additional fee was needed to complete home and its entirety.
I was not happy with that arrangement and decided to decline future services by canceling by phone. I am requesting a verification and validation of this account along with a payment history since they claim I contracted out their services.
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| 10/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
|
| 10/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
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| 09/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
|
|
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
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| 09/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
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| 08/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
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| 01/10/2018 |
Yes |
- Debt collection
- I do not know
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- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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|
Web |
Servicemember |
|
The debt collector continues to call all my family members and harass them. They shared personal private information with family members and friends. I 'm embarrassed, and humiliated. Iv e asked XXXX repeatedly not to contact my family and she continues to do so. Iv e asked her to stop calling me and she continues to do so. I 'm unemployed and homeless. I live on the street. Please make it stop. I do n't know where else to turn. My name is XXXX XXXX XXXX. Email is XXXXXXXXXXXX and the debt collector number is XXXX ext XXXX. Thank you.
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| 08/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
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I have a loan with XXXX XXXXXXXX XXXX, XXXX XXXX Original Creditor : 14 XXXX XXXX XXXX I ), and LOCKHART, MORRIS & MONT ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : 14 XXXX XXXX XXXX I ), and LOCKHART, MORRIS & MONT ( Original Creditor : XXXX XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
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| 05/18/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
Servicemember |
|
On XXXX Lockhart , Morris & Montgomery illegally obtained and placed my account in a collection status. I required this company to validate a debt and they failed to comply within a legal time period. Furthermore they are attempting to validate disputes filed as accurate without legal right. Company has obtained a similar Social Security number, that is not mine as well. The social security number on the companies redacted file is not mine! The company has not answered any of the requested validation request as outlined.
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| 05/29/2023 |
Yes |
- Student loan
- Federal student loan servicing
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports your publish.
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
|
| 08/05/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
REQUESTED A CLAIM.I REQUESTED THE ORIGINAL CONTRACT I SUPPOSEDLY SIGNED WITH MY ORIGINAL SIGNATURE. I REQUEST THESE ORIGINAL DOCUMENTS AND ORIGINAL SIGNATURES TO SHOW IF OWE THIS DEBT. ALSO IF THIS DEBT WAS SOLD TO ANOTHER COLLECTOR. I HAVE NO PRIMITIVE CONTRACT WITH THEM EITHER. I REQUEST THESE ORIGINAL DOCUMENTS WITH MY ORIGINAL SIGNATURE IMMEDIATELY OR DELETE THESE DEBTS BECAUSE THE DEBT COLLECTION IS FRAUDULENT AGAINST MY RIGHTS AND US CODES IF I CAN BE DIRECT. PLEASE DELETE OR HAVE ORIGINAL DOCUMENTS. THANK YOU
|
| 10/04/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This company ( Lockhart , Morris & Mont ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$3800.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
|
| 11/06/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
Lockhart, Morris and Montgomery has reported a collection account with a balance of nearly {$5000.00} on my credit reports. They repeatedly contacted my dad, even though I am XXXX XXXX XXXX in an attempt to collect a debt that I even owe. There is no judgment against me. When they called my dad they did not identify themselves as debt collectors and tried to find out my contact information and location.
They even contacted my grandparents on the phone to try and find me. My grandparents were very upset by this.
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| 09/15/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My credit score was great in late XXXX. Then prior to taking a trip, I checked my credit report and there is a false charge from XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/2023. I am in great health and worked tirelessly the entire month of XXXX. This charge is not mine. I never received notices of this charge, as it was fraud and just appeared on my account under the Collections Agency of Lockhart Morris & Montgomery. I filed a police report for the identity theft and fraud. This is not mine and must be removed.
|
| 04/14/2017 |
Yes |
- Debt collection
- Non-federal student loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Lockhart, Morris, and Montgomery have failed to provide verification of debt. They have uploaded an affidavit not signed by me stating that the debt is mine. An affidavit is not proper verification of a debt. Proper Verification of Debt would be the Promissory Note with my signature and XXXX as the original lender. They have failed three times to provide the contract between me and XXXX as they state exist. Please upload the a contract between me and united first federal. DO NOT MAIL SUCH DOCUMENT TO ME.
|
| 12/09/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
On XXXX XXXX, 2016 & XXXX XXXX, 2016,, Defendants attempted to collect a debt and created an unauthorized trade line on Plaintiff 's credit report using 'Last Reported : XXXX XXXX, 2016 ' on Plaintiff 's credit report. Defendants willfully violated the FCRA by performing an unauthorized trade line on Plaintiff 's credit report.
On XXXX XXXX, 2016 & XXXX XXXX, 2016, Defendants attempted to collect a debt and performed an Impermissible 'hard pull ' on Defendants credit report without a firm credit offer.
|
| 10/15/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2022 I asked in writing for validation of debt & rights to collect on debt in Georgia, Ive also advise company I didnt give them permission to report any information or my consumer report. I requested dispute information, company has failed to validate debt within the allot amount of time. Collection company has ran my credit illegally, updates debt in an erroneous manner. Do so wish to file a formal complaint on debt collect company. Ive ask company to cease & desist on fraudulent information.
|
| 01/18/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In the past 5 plus years creditors have been trying to collect a debt owed by someone else from XXXX XXXX XXXX. I contacted EACH debt collector with a written dispute requesting the date/amount/services rendered/doctors name and all details including a copy of an agreement signed by me. Each time the debt collector is unable to provide the information as required by law. Then EACH debt collector transferred this matter to another debt collector neglecting to inform the new agency of the dispute history.
|
| 03/14/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I have made numerous attempts to gain deletion of the account for {$5500.00} account either updated or deleted from my credit report, the date on the reported account is incorrect per the original contract, also, I am a Veteran and was told by XXXX I would not be charged for this account due to my Veteran Status! Please remove this account per the fcra you must report ACCURATE INFORMATION! I have attached the original contact for your reference to the date you are reporting vs the date on the contract!
|
| 12/13/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I went to school with XXXX and I leave they say I owe them XXXX I agree to pay then they send me to debt collector lockhart morris and Montgomery now they saying I owe XXXX I paid them XXXX at once and now I owe them XXXX cause I told them am only paying them XXXX now they arrasting me saying they gona sue me and so forth and calling me all z time just for XXXX say they do n't want no payment plans they want the money one time or else I have to pay and extra XXXX what should I do. My email XXXXXXXXXXXX
|
| 06/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am stating that I have not received any communication from the debt collector regarding the alleged debt. Their failure to contact me directly has caused confusion and concern. I request a thorough investigation to verify the debt 's legitimacy and protect my consumer rights. I urge the debt collector to adhere to relevant regulations and demonstrate due diligence before taking further actions. I seek a fair resolution that allows me to address any valid concerns and upholds my rights as a consumer.
|
| 03/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
After checking my CONSUMER report I noticed a few updates with companies posting there. LOCKHART MORRIS & MONTGO being one of the companies. LOCKHART MORRIS & MONTGO is alleging that i have an alleged debt totaling {$1400.00} dollars with them. I don't recognize them, nor have I received any documentation from them. Im asking that the CFB please investigate them and remove them from my CONSUMER report. Please ask for documents showing that I agreed to them reporting on my CONSUMER report. Thank. you
|
| 08/27/2019 |
No |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This company ( Lockhart , Morris & Mont ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of { {$6000.00} } with and credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt
|
| 10/19/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have 3 collections accounts being reported to my bureau : Lockhart Morris and Mont XXXX XXXX XXXX XX/XX/2020 XXXX Lockhart Morris and Mont XXXX XXXX XXXX XX/XX/2020 XXXX Lockhart Morris and Mont XXXX XXXX XXXX XX/XX/2020 XXXX I have asked numerous times for validation of debt and proof this is owed by me, as I believe it is an error. I have yet to receive any information- each time I dispute thru the bureau 's the debt is transferred to a different company with still no validation of debt.
|
| 10/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Requested a free copy of my credit report and found fraudulent and in correct information being reported on my credit report. I contacted XXXX on XX/XX/XXXX and had a fraud alert placed on my credit file and a freeze, did a thorough investigation of my credit file and learned that there were a account in collections from LockHart, Morris, & Montgo partial account number XXXX date open XXXX XXXX original creditor XXXX XXXX XXXX, collections address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX
|
| 01/18/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Lockhart and XXXX XXXX has toppled my XXXX XXXX to the ground with amounts Of debt I couldnt never owe them. And judging by the dates I wasnt in the hospital and let alone received that outstanding debt. This is ridiculous, this is all false on both ends. And I can not build wealth with that type of debt I didnt make of my credit. Its mind blowing. I need to talk to some one to get this situation under control. Or I will take legal actions. I need help getting this off my credit immediately.
|
| 03/06/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was working for XXXX XXXX and seized employment in XX/XX/XXXX. I didn't receive notice of my balance owed to the company. I stopped working for this company because I wasn't making enough to support my family. Lockhart Morris and Montgomery contacted me in XXXX but I was unable to make payments at the time. I called them and offered a settlement amount and they declined. Since they declined, I offered to create a payment arrangement and asked for documentation of it and they also declined.
|
| 02/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
In XXXX of 2019 I singed a employment contract with my ex employer, ( XXXX XXXX ) in which I upheld to the terms of the contract, but the contract was not forfilled by the company, and now they put it on my credit report. I am currently trying to sue this company for several reasons as a result of this unfair business practices, reguarding this unfair contract but I have yet to find a attorney to represent me. I have also tried disputing this from off my credit report with no success.
|
| 06/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Be advise that I am fully aware of my rights since I studied US laws lately, I know that I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy & medical records from 3rd parties. Let me tell you, I am not allowing any 3rd party collection agency to get my personal financial info. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization
|
| 11/14/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
A debt validation letter was sent to the company LOCKHART MORRIS & MONTGOMERY. located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. The letter was sent on XX/XX/XXXX and received on XX/XX/XXXX. A follow up debt validation letter was also sent out on XX/XX/XXXX and received on XX/XX/XXXX. As of today, XX/XX/XXXXI have not received the correct information to validate this debt. The company is failing to validate this debt but is still reporting the account on my credit report.
|
| 07/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
have been getting calls saying that i owe a debt I recently filed for Identity Theft and wasn't able to add all the accounts on the Identity theft report but I have # XXXX accounts here that are under Identity theft that I wasn't able to add # XXXX, # XXXX, # XXXX. I would like them off my credit report and would like for this company to stop exposing any private information that it has of mine. I have no contract with this company and no dealings at all ( 15 usc 1692 )
|
| 02/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
This company calls my phone every single day. They are looking for XXXX something - I am not associated with this person nor is there anyone by that name at my phone number. This may be the prior owner of the cell phone number or a bad contact number given by the person they are looking for. I have advised this company of this information on at least 6 times but they continue to call. This company is NOT licensed to act as a debt collector in the state of Florida.
|
| 01/10/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
in XXXX of 2019 i went to a XXXX XXXX XXXX i was told it were no cost to me. when i got there i got word that my father was very ill of course i left the school before doing so i was told that I would have to find my own way home and all my other fees would be waived due to the timing of my departure according to the contract i have sent multiple request for validation of the debt would show this information however the company has failed to or refused to reply.
|
| 11/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt 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, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
|
| 08/10/2016 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I received a call from ( XXXX ) XXXX the caller identified herself as XXXX XXXX, she said that she wanted to contact a friend of mine XXXX XXXX and that she had a job offer for a truck driver position, she told me she was unable to contact his partner and I was his emergency contact from his last driving job, and she needed an answer today if possible and could I try and get ahold of him. I asked if this was a debt collection call she said emphatically no!
|
| 03/23/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I am being contacted by a new Collection Company regard a Medical Debt that was not mine rather paid back in XXXX and XXXX. I reported the previous Collection to the CFPB, XXXX, XXXX, and XXXX. The previous Collection Companies deleted the debt from the XXXX and the original Creditor applied for payment from my insurance to clear the debt in XXXX. I am requesting the collection company remove the debt and no longer contact me or my family in the future.
|
| 03/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681.
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$15.00} usc 1681 section 602 a. States i have the right to privacy.
15 USC 1681 604 a section 2. It also states consumer reporting agency can not furnish an account without my written instructions.
|
| 02/11/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have new information regarding CFPB complaint # : XXXX The response that was giving from this company provided me a contact number of XXXX XXXX XXXX XXXX XXXX. I called this person XX/XX/2022 with no answer. I also left a voicemail. My call still havent been returned. On XX/XX/2022 I sent this company a invoice and my affidavit of truth. Tracking # XXXX for violation my consumer rights. It was received and return receipt was signed on XX/XX/2022.
|
| 09/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
I received a phone call at XXXX on my home phone. I was awakened, as my family was still on vacation, but I missed the call. When I called back at XXXX to inquire about it, I was asked to hold, then hung up on. I still have no idea - WRITTEN or otherwise- as to what the issue is. I filed with the company 's local XXXX ( with whom they are a member I believe ), and received a canned response from their legal unit 2x telling me to contact the FTC.
|
| 03/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the fair credit reporting act this creditor has violated my rights under act 15 U.S.C. 1681 section 602 says I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 It also states a consumer reporting agency can not refurnish an account without my written instructions. Under 15 U.S.C 1666B a creditor can not treat a payment on a credit card account under an open Or consumer credit plan as late for any purpose
|
| 10/18/2023 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 12/03/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance to the fair credit reporting act XXXX account # XXXX has violated my rights.
15 USC 1681 section 602 states that I have the right to privacy.
15 USC 1681 section 604 A section 2 also states : a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 08/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights.
15 USC 1681 Section 602 states I have right to privacy.
15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 03/31/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!
I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
THIS IS NOT MY DEBT!
|
| 12/26/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
They called me at my job several times harassing me. Pressuring me into signing a document telling me they was going to sue me and that I was going to pay a bunch of money if I didn't agree to there offer. This medical bill was from 2009. It was expired. But I didn't know until after they pressured me into agreeing to make payments on the bill. And now it's on my credit report on all three credit bureau as a Negative mark.
|
| 01/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I had an outstanding debt with XXXX XXXX back in XXXX because somehow my insurance did not cover the entire cost. I paid the full amount directly to XXXX XXXX in XXXX now Im receiving another bill from collections for XXXX XXXX which I have no idea about. It was put on my credit report at a time when we are going through a pandemic and times are very tough.
Collections agency : XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX
|
| 03/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Law firm is showing I have a complaint, I have seen zero validation, this is a mistake and it must be taken off. This law firm is showing on my credit report without any contact. I have not received any validation that the account belongs to me. The collection was listed as open as of XX/XX/19 of {$6500.00}. I need for this collections to be removed from all credit reporting agency due to lack of validation. Thank you.
|
| 05/26/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have never received and verified information regarding my account. I have never received any type of written documentation about this account or any type of bill for this amount due. I would not jeopardize my credit file for a XXXX dollar account. At no time have I received anything from the original creditor or the collection agency. If the debt is mine I thought by law they in fact have to prove it is mine.
|
| 02/28/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
XXXX XXXX of Lockhart, Morris, and Montgomery threatened me and said it was a crime. He threatened to go after my grown daughter who does not live with me and is in no way obligated for any of my debts. Before he knew who I was and before he told me who he was and what it was about, he told me all of my personal information. He had my social security number, address, date of birth ... all of my information.
|
| 12/08/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Discharge Date : XX/XX/2015 from the hospital and was unable to pay co-payment after insurance. It went into collections and is now over XXXX XXXX XXXX. XXXX, XXXX and XXXX is a third-party collection agency who bought the debt later and refuses to delete it from my credit. this original debt is over XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 10/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I don't know just found out about a debt for XXXX that I don't owe it was a debt according to my credit report XX/XX/2017 for XXXX XXXX XXXX for education that I never had it says date of first delinquency XX/XX/2017 I've been disputing this cause this is a third party collection which is against the law. I need help to getting this removed from my credit XXXX, XXXX, XXXX.
Sincerely XXXX XXXX XXXX XXXX Fl
|
| 08/18/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Lockhart and Morris have been trying to collect a debt for CDL training that was never complete. I kicked out of the school. I never graduated from XXXX XXXX I graduated from XXXX XXXXXX/XX/XXXX school in Massachusetts. So I do not owe Lockhart and Morris nor XXXX XXXX. And I've been threatened with derogatory and marks all my credit report if I don't pay it's that that I don't owe to Lockhart and Morris.
|
| 11/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
There is an account reporting on my report in the amount of {$5500.00} from Lockhart morris and mont, XXXX did not allow me to dispute the information found on said account, which includes an incorrect date opened, as well as they are reporting a balance past due on a collection account which both are against the fcra, all information reported must be accurate! Please help me in resolving this issue
|
| 11/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was employed by XXXX XXXX XXXX XXXX as a XXXX XXXX from XXXX XXXX and I was suppose to be trained for XXXX hours before I was giving my own XXXX but I did not get a proper training and they gave me a XXXX knowing well that I did not fully trained and put my life at risk. I had XXXX XXXX during this time and this is what makes me quit there company so this is the reason why they said Im owing them
|
| 03/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I do not know Lockhart, Morris & Montgomery , Inc., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, nor have I ever done business with them. Still they call and use abusive language and threats. Every single month they post new collection accounts to my credit account that degrade my credit score despite a dispute in place. I have asked XXXX to stop posting the bogus hits on my credit but they refuse.
|
| 07/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Lockhart, Morris & Montgomery appeared on my XXXX and XXXX credit report XXXX or XX/XX/XXXX. I disputed with the bureaus immediately and days later, the response from the agencies " debt valid. '' I then submitted to the XXXX and asked them to contact my phone and this was refused. Too many unanswered questions with this I requested validation XX/XX/XXXX and confirmation of delivery XX/XX/XXXX.
|
| 01/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I received a copy of my credit reports from XXXX XXXX, XXXX and XXXX. after reviewing all three credit reports ; there is a collection from LockHart Morris & MO for the amount of {$680.00}. LockHart Morris & MO does not have the legal authorization to collect this debt from XXXX XXXX this debt is not validated. I request a complete validation of this collection. they have violated the HIPPA LAW.
|
| 06/06/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
|
| 10/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
Servicemember |
|
I have a few creditors on my report thats Hindering me for roughly XXXX I send it to All three of the bureaus. Only for the same student loans and private loans to be on my credit files. Ill like them to be removed ASAP. Its false information. I also will like my address to be removed as well as misrepresented of the person I am I dont want to be contacted about any loans that are not mine.
|
| 01/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I Reached out to the creditor to have the fraudulent inquiries removed. I have never applied for any lines of credit or gave anyone authorization to obtain any lines of credit on my behalf. and they notified me that the information was sent over to the credit bureaus to be removed and its been well over XXXX days and I have yet to receive and update for removal from my credit report.
|
| 02/11/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
|
| 12/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
company for whatever reason pulled my credit report, it was not authorized and now I have another inquiry on my report... collection agencies has NO reason to pull a credit report as I didn't apply for credit and its NOT required to report a bad debt.
My Theory : they pull your report, looking for bad debts to hassle you about, in an attempt to make money!!
bad practice!
|
| 04/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
An account was placed in collections by Lockhart, Morris, & Montgomery of XXXX, XXXX on my XXXX credit report on XX/XX/2022 in the total amount of {$7000.00}. I never received any type of documentation or communication in regards to this matter. I have attempted to reach out to the company in regards to the legitimacy of this debt, but I have yet to receive a response.
|
| 06/21/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The collection agency/attorney LOCKHART, MORRIS & MONT has put a hit on my credit report stating that i owe a collection from XX/XX/2013 WHich this is illegal and i have didputed this before and came off cause of ID theft.
The balance states {$1400.00} and they keep reporting this still after ID theft and after 6 years.
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
|
| 03/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have previously submitted a complaint for this account to XXXX XXXX and they closed their account and sold it to Lockhart, Morris & MONT. I do not owe this debt a former stepdaughter did. I ask for proof of debt from Lockhart and they have not provided it. But they continue to flag my credit account as collections refer to previous complaints on my account for you
|
| 09/24/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I was contacted by a Lockhart, Morris & Montgomery rep and she threatened boldly me by stating " if i didn't pay back or give them some money they was going to damage my credit '' so i could not get nothing using credit this approximately happened around XX/XX/XXXX or XX/XX/XXXX of last year. I'm not sure what this debt is and they did not validate this debt.
|
| 02/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
this debt collecter engaged in abusive deceptive and unfair practices of the FDCPA which it prohibits.they furnished this account that we didnt agree upon and i didnt sign agreement on XXXX contract is signed by two parties and i did not particioate in any of ti.More so they didnt follow the proper 5 step validationprocedure which makes this unfair practices.
|
| 09/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Identity theft is the intentional use or possession or transfer or attempted use with fraudulent intent by any person of any personal identifying information of another person to obtain, possess, or transfer, whether contemporaneously or not, credit, money, goods, services, or any thing else of value without the authorization or consent of the other person.
|
| 03/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
After many attempts, I went to court, explain my situation. They continue to harass me after that they sent letters to my old residence, and I did not find out until the day I was supposed to get paid that they had garnish my wages I had to go to my old residence to pick up any remaining mail, which then I found that they went to court to garnish my wages.
|
| 09/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have a {$900.00} medical bill on my credit report that has been sent to collections without any notice to myself about the debt. It is out of Texas and I live in West Virginia. I'm not even sure what the medical bill is for. It's my understanding that medical collections first must contact you and are not allowed to put medical on your credit report.
|
| 10/31/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Lockhart Morris an unknown company collecting for XXXX XXXX XXXX in the amount of {$8600.00} since XX/XX/2019. I have asked for proof of contract to prove this is account since I do not know who either company is and why they are saying that this is my account. This has lowered by credit score and quality of life. Legally this is not fair and unjust.
|
| 09/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
They are trying to tell me I owe {$2500.00} and I dont XXXX XXXX was the original I worked there for 2 months and left for medical issue to where I couldnt drive anymore and they are trying to say I need to pay this amount because I didnt complete 6 months they are not giving me options or anything on it I dont owe it want it removed from my account
|
| 06/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
Servicemember |
|
This company has a collection that is not mine that is reporting on my credit report. However, it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on XXXX This is a violation of the Fair Debt Collection Practices Act.
|
| 05/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I dont know anything about this debt, never received anything about it, I need dates, times, and services. I had insurance so I dont know how I had this problem unless its not mine. I NEED SOME SORT OF PROOF THAT IT IS MINE THATS ALL IVE BEEN ASKING FOR XXXX XXXX XXXX I NEED TO SEE THE PROOF OR REMOVE THIS XXXX FROM MY CREDIT REPORT ASAP.
|
| 02/18/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Lockhart Morris & Montgomery , Inc. at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX has been sending me collection notices in the amount of {$6300.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
|
| 10/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have request multiple times Validation and any or all evidenace of these accounts affecting my fair credit rights, I have disputed These accounts that I have no knowledge about from XXXX XXXX XXXX XXXX XXXX Shows in my credit Reports as Act Number XXXX XXXX XXXX Lock Hart, Morris & Mont Act Number XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX
|
| 07/05/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
company being used now are LOCKHART, MORRIS & MONT. Different companies are being made in attempt to fraudulently collect debt using my personal information associated with Tennessee XXXX XXXX. More evidence can be found in my previous complaint. The item is also being reported with a false address. I've never lived at that address.
|
| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX and Lockhart Morris & Mont I am writing to formally dispute information on my credit report that does not belong to me and is negatively impacting my creditworthiness. The inaccurate information in question is associated with my credit report, and I kindly request its immediate removal to rectify this erroneous situation.
|
| 12/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
15 USC section 602 states i have the right to privacy.
15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan a late for any purpose
|
| 04/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
LOCKHART MORRIS & MONTGOMERY at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX has been sending me collection notices in the amount of {$5400.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
|
| 12/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Hello I am a victim of identity theft, I have no recognition regarding these fraudulent accounts. As I was looking over my consumer report, I noticed all these accounts that were not mine. I rarely check my credit report and now Im noticing all of these fraudulent accounts. I even hired an attorney to help me with this process.
|
| 03/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
|
| 12/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
15 USC 1682 Section 602 : stated I have the right to privacy.
15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency cant furnish an account without my written instructions.
15 USC 1666B : A Creditor May Not Treat A Payment On Credit Card Account Under An Open End Consumer Plan as Late For Purposes.
|
| 06/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
LOCKHART MORRIS & MONTGOMERY DEBT COLLECTION COMPANY IS REPORTING ON MY CREDIT REPORT AS AN OPEN ACCOUNT DATE AS OF XX/XX/23 WHICH IS INACCURATE. I AM ASKING THEM FOR AN AUDIT TRIAL OF. THE BALANCE. TO PROVIDE ME THE AGREEMENT THAT GRANTS THEM AUTHORITY TO COLLECT THIS ALLEGE DEBT. ALSO PROVIDE ME THE MASTER BILL. OF SALE.
|
| 01/28/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A collection was placed on my account on XX/XX/21. It states I owe XXXX XXXX XXXX XXXX .. They have 2 collections in place. One in the amount for {$1700.00} and {$1100.00}. This hospital is located in XXXX XXXX, TX. A place Ive never been. I have reached out to the fairs department at my XXXX to dispute these collections.
|
| 11/18/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I recently obtained a copy of my credit report. Lockhart Morris & MO continues to violate my rights according to Fair Debt Collection Practice Act. Also this company is in voilations according to 15 USC 1692. This defaming my character which is a violation of 15 USC 1692d. I have attched a copy of my FTC and my license.
|
| 05/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act Convergent XXXX, XXXX, ACCOUNT- XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
|
| 12/03/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
15 USC 1681 Section 602 I have the right to privacy.
15 USC 1681 Section 2 : It also state a consumer reporting agency can not furnish an account without my written instructions.
15 USC 166B A creditor may not treat a payment on a credit card account understand an open end consumer credit plan as late for purpose.
|
| 06/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello this is in reference to a bill from Lockhart, Morris, montgomery acct # XXXX {$630.00}. This is not my account, I have been reaching out to this company since XXXX and I've never received any response. I have included a copy of my affidavit for record purposes. Im simply asking for a removal of this account.
|
| 01/03/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This happened in XXXX My back pack was stolen from my car I didnt see the person face I got off my car to get some coffee when I returned to the parking lot my window was broken Unfortunately last year my XXXX XXXX XXXX XXXX XXXX with my XXXX was stolen too Please Im begging you to clear this off my credit report
|
| 05/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
After reviewing my credit report, I have identified inaccurate accounts and information that are not associated with me. I did not provide consent for any of this information to be included in my credit report, and it is significantly impacting my life. I kindly request your assistance in resolving this matter.
|
| 07/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a collection account on my credit from a company I have never heard of. It is reporting an amount of XXXX. I have no knowledge of this bill nor have I had any medical attention recently. I am afraid this is also a breach of HIPPA. I have submitted 2 disputes and both were only given 24-48 and denied.
|
| 04/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A new debt surface on my credit on XXXX XXXX, XXXX from a company called Lockhart Morris & Montgomery for the amount of {$7000.00}. I asked for information showing that this debt was mine and they have failed to submit anything to me. I never heard of this company and don't have any accounts with this company.
|
| 09/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Lockhart morris and montgo illegally added a debt to my credit report because I never worked for XXXX XXXX XXXX and they sent no proof of ownership to this debt and I did not obtain a XXXX from XXXX, I have obtained my XXXX from XXXX XXXX, this is a scam and I will attached my certificate from that school
|
| 08/26/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
New account just showed up on my credit report from : Account Number : XXXX LOCKHART MORRIS & MONTGO Other Collection Agencies XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I do not owe this debt, I have never opened up an account with them, they stated it was a medical debt from over XXXX years ago.
|
| 03/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I got a letter from a collection agency saying that i own the sum of XXXX dollars.i sent a validation letter. They responded by sending me the same invoices and report to the XXXXonsumer reporting agencies to be listed as disputed. i am trying to buy my first home .this could stop me by buying my home.
|
| 10/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
I sent in letters asking for these accounts to be removed completely from my credit report. I do not consent to my name and likeness to be used in a negative way especially in error.
Again I demand to have all accounts that are reported as charged off to be REMOVED COMPLETELY from my credit report.
|
| 08/29/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This month it attached to my credit report and I never got or had anything from them and I was notified that my I'd may have been compromised and to watch for any new accounts to pop up that I am not aware of. No one has made contact other them darastically lowering my credit for a debt I don't owe.
|
| 05/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
-On XX/XX/19 Lockhart , Morris & Montgomery illegally obtained and placed my account in a collection status. I required this company to validate a debt and they failed to comply within a legal time period. Furthermore they are attempting to validate disputes filed as accurate without legal right.
|
| 08/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have advised this company that this debt is not owed, however, they have place this on my credit report for the second time. I have shown proof of such, which was ignored. Due to the fact that the dates are incorrect as well as the balance on my credit report my next step will be to file suit.
|
| 07/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
|
| 07/02/2019 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am contacting you about the compromising of my social security number. I am a victim of identity Theft. I obtained a police report # XXXX. Please block and remove all information from my credit report. The following item do not belong to me and is a result of fraud that I did not authorize.
|
| 08/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Debt has already been paid for by insurance. They are calling to tell me that I owe them money when I have medical insurance and shouldnt have to pay anything. After showing them an itemized bill, I got from the hospital they refuse to acknowledge it, and continue to say I owe them money.
|
| 02/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
Older American |
|
I have a collection on my report that is from a debt over 8 years ago that a collection agency is reporting in 2020its a medical debt that I don't recognize, nothing has been, I explained this to XXXX law and they have done nothing plus the debt collector refuses to send docs proving debt
|
| 02/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Enrolled in school in XX/XX/2020 and was told Id work for the company and pay the debt, and that the loan would not reflect on my credit. But once I was not employed by the company I received a derogatory comment and debt as if I had a credit card I never received a bill from the company
|
| 01/08/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have filed a previous complaint about this same XXXX bill and it was closed with the previous agency due to the complaint. It was not supposed to be sold to another agency. It has since been sold and is now negatively impacting my credit score. This needs to be deleted immediately.
|
| 10/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American, Servicemember |
|
XXXX XXXX Lockhart, Morris XXXX XXXX XXXX XXXX XXXX XXXX My wife and I have disputed these accounts on her credit reports detailing why they are wrong. Their self reporting refused to acknowledge the factual information we have submitted and keep report on all three credit bureaus.
|
| 02/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Account : LOCKHART, MORRIS & MONT # XXXX I was unware of this debt and did not have the opportunity to dispute. Please provide validation of debt and method verification with physical PROOF.
Please provide certified mail receipt if you believe I was aware of this information.
|
| 07/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I dispute so manny times, XXXX doesnt listen to me keep saying yhe document that I sent is unrelated XXXX XXXX XXXX XXXX XXXX work with XXXX XXXX XXXX is same company they keep saying is unrelated, the documet that I sent has same date, same hour, same year.. I paid this
|
| 04/12/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this.
|
| 03/18/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Was sent numerous collection notices for {$6100.00} that at the time I did not know how to dispute until now. I contacted the debt collection agency ( Lockhart Morris & Co ) on XX/XX/2022 and the representative could not locate my name or the collection account.
|
| 04/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. They have violated my consumer rights under the federal law FCRA & FDCPA.
|
| 11/06/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
After reviewing my XXXX credit report, I noticed a medical collection that does not belong to me. After following up with the reporting company several times, I've yet to have this issue resolved. I've requested documents, but have still yet to receive any.
|
| 09/17/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This " school '' enrolled under false pretenses and collected half the money from me up front. Never received certification or assistance one program ended. Advertised help but did not receive. Debt not owed since I didn't not get what was paid for.
|
| 01/27/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I mailed this company a letter on XX/XX/XXXX with i response. I called XX/XX/XXXX and representative advised me they received the letter to validate this debt. Today is XX/XX/XXXX and I have not received a response from them.
Pursuant 15 usc 1681g
|
| 09/02/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
The collection agency reported a False collection amount of {$930.00} to my account I assume for medical bills which is inaccurate I am XXXX XXXX military and I think they meant to send the information to my father who has my name also. Im a XXXX.
|
| 05/12/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
Collector did n't want to give me address so I can mail in payment said I have to pay the whole thing they would take payment with out a large deposit. And have repeatedly call my cosigner 's mother and sister and threatened to take there pay.
|
| 12/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Im a person that take care of all my accounts. i do have a good health insurance that I use any where I go. I dont recall been sick or in that hospital on those days. Been getting phone calls at any time and their language its not the best.
|
| 08/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I email this company and also sent copies of Police report showing identity theft. Still consumer credit has been affect in a very negative manner resulting in injuries to perse. Now I need compensation for the violation of various codes.
|
| 04/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The debt was bought by XXXX XXXX XXXX XXXX and was paid last year to the collection company and it was removed from my credit. 6 months later it appears on my credit with a different collection agency but same debt that was already paid.
|
| 05/31/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This debt has been paid off. I keep having debt collectors reopen the account and I dispute through the credit bureaus. It comes out in my favor due to it being paid off already, but my credit score falls and it takes time to correct.
|
| 03/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have reached out to this company through certified mail requesting validation of the 2 accounts they have placed on my credit report and have gotten no response. It has been more than 30 days since said requests have been sent
|
| 09/10/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
This debt was removed off my account twice and closed.
They placed this back on my account twice. I wasnt notified nor did i receive any notification that this debt was placed back on my account for the first or second time.
|
| 01/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I requested a copy of the contract to pay the alleged debt collector and the debt collector failed to verify debt owed to them. Debt collect could not furnish a signed contract for me to pay the alleged debt to their agency.
|
| 01/03/2024 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
For years I have been paying XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX faithfully every month on medical bills. Because of that I have to remain sick because I am not able to pay the 20 % my insurance does not pick up.
|
| 10/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Lockhart Morris & Montgomery. XX/XX/2020 is the date this was reported on My credit report.. I've tried several times to reach out to this company to resolve. I have no knowledge of this debt. The amount is XXXX.
|
| 02/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid this debt when I left the XXXX XXXX XXXX and I showed them proof when I received a phone call from them and they said they will get back with me and never got in contact with me just put me in collections
|
| 01/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received no notice from this company. The only reason I found out about this is because they put a collection on my credit report. This company has never communicated with me and is in violation of the FDCPA.
|
| 11/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
Lockhart , Morris & Mont is violating my rights under the no surprise act of 2022. I have one medical bill in the amount of {$1100.00} that an out of network provider is charging without my prior authorization.
|
| 12/15/2020 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
|
| 04/25/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I checked my credit report on XX/XX/2019 and noticed a collection against me from lockheart XXXX and Montgomery i do not know who this company is i have never signed nor have any agreement with this company
|
| 11/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This is a XXXX collection. That has been reported illegally on my credit report. This is invading my privacy in HIPAA law please remove from credit report, or youre opening your self to litigation.
|
| 01/30/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Sent debit validation and cease desist letter to company. Company reply stating they would submit dispute to remove from consumer report. Collection still showing on consumer report.
|
| 08/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have filed a complaint with the better business bureau as well as email and voicemail with the creditor. I am attempting to have an erroneous charge on my credit report removed.
|
| 11/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have not received any information from this company to verify that the information is accurate no account info dates or anything. I wasnt aware my info was sold to someone else
|
| 12/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute in regards of the incorrect items on my credit report with the credit bureau, it has been well over 30days, and I haven't recieved any investigation results.
|
| 02/04/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I have XXXX acounts that is Fraud LockHart Morris from XXXX i never be in that Place that take my information and they put in collections i have proff that i have XXXX
|
| 09/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I provided the debt collector with a receipt that was paid in full in XXXX. They refused to investigate or remove from my credit report. My debt is paid in full.
|
| 04/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
|
| 11/09/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am a federally protected consumer and Lockhart, Morris & Montgo has violated me under the provisions of 15 USC 1692. Please review attached documentation.
|
| 08/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a letter in the mail saying that I owe for XXXX XXXX XXXX XXXX from XX/XX/2023 which I do not collection agency is lock hart Morris & Montgo
|
| 01/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/2021 I was contacted by a agent of lockhart, morris & montgomery about a outstanding debt to which they have failed to provide validation for.
|
| 09/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX have compiled numerous inaccurate data and reported-sold that inaccurate information to XXXX, XXXX and XXXX, currently showing as accurate data.
|
| 05/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Lockhart, morris and mont has failed to contact me about this debt, I have yet to receive a letter validating my debt to my current address.
|
| 02/08/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This debt is over 4 year 's old was bought out in XXXX and re-open. Lockhart never contacted me, nor sent letter. Just put it on my credit.
|
| 01/20/2023 |
Yes |
- Debt collection
- Federal student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
disputed and they put back on. I was never informed about these collections. They were put on my collections and they haven't filed wrong.
|
| 09/10/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I NEVER SIGNED AN AGREEMENT WITH THIS CREDITOR. THIS IS NOT THE ORIGINAL CREDITOR. I WAS NEVER 30 DAYS LATE. THIS IS A DUPLICATE ACCOUNT.
|
| 03/31/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I got letter which showed me the owed amount is {$2500.00}. I received this Letter as XXXX. I didnt understand the reason of this letter
|
| 06/14/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Collections was settled as part of a settlement with XXXX XXXX XXXX. Lockhart Morris & Montgomery have knowledge of paid settlement.
|
| 12/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Medical debt from 2020 during covid. Was resolved with insurance company but the XXXX XXXX company still filed it for collections.
|
| 11/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
This account LOCKHART , MORRIS & MONT was previously deleted from my account and reinserted back. This is a violation of the FCRA.
|
| 06/06/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Payment arrangements was established and payments was automatically withdrawn from my account each month. Account was satisfied.
|
| 08/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
On XX/XX/23 Lockhart , Morris & Montgomery , INC is reporting a medical debt under {$500.00} and violated permissible purpose.
|
| 02/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
I frequently receive calls from them early in the morning. Always before XXXX and sometimes as early as XXXX in the morning.
|
| 08/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
this is not my account and I have disputed this before its taking off then returns opened date XX/XX/23 amount {$660.00}
|
| 01/20/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This item was Disputed and removed then XXXX sold by XXXX XXXX XXXX for fraud and violating the no surprises act
|
| 03/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
On XX/XX/23 I submitted a complaint through CFPB on XXXX and have not received any closure on the complaint.
|
| 10/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
Identity theft this debt is not mine I I also did not give written consent to any reporting on my credit
|
| 05/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a complaint with the three credit bureau 's and the investigation took well over 30 days.
|
| 08/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute over 30 days ago and I have not heard anything concerning my investigation results.
|
| 05/29/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2019 {$8900.00} Debits colector Lockhart Morris & Montgomery Original creditor XXXX XXXX XXXX
|
| 09/23/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I do not own them any money, this issue was already solved.The amount was XXXX if I'm not mistaken
|
| 04/26/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I don't have any doubt, so I don't know why I receive a letter that a have to paid a doubt.
|
| 10/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I dont the date cause they never called me, the amount {$7100.00} date was XXXX of XXXX
|
| 01/09/2024 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
Agency did not send written notice of debt Agency made repeated harassing phone calls
|
| 11/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I never had an account with LOCKHART MORRIS & MO SAFE HOME SECURITY Original creditor
|
| 12/03/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX and Lockhart Morris is ignoring FCRA violations despite certified mail disputes
|
| 10/12/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
Lockhart Morris & Montgo {$1900.00} Opened XX/XX/2022 Sent letters, no response
|
| 07/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I dont know anything about this debt, please delete from my credit report
|
| 09/17/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
LOCKHART MORRIS & MONTGOMERY has an account on my credit that is not mine
|
| 11/08/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
LOCKHART MORRIS & MONTGOMERY has an account in my credit thats not mine.
|
| 04/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
this account does not belongs to me and its listed twice
|
| 04/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
LOCKHART, MORRIS & MONT XXXX XX/XX/2022 {$540.00}
|
| 02/05/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/31/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/27/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/16/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/06/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/01/2024 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/14/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/11/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 12/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/29/2023 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
|
| 11/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/19/2023 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/25/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/25/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/23/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/20/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 10/19/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/05/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 10/05/2023 |
No |
- Debt or credit management
- Credit repair services
|
- Charged upfront or unexpected fees
|
|
Web |
|
|
|
| 10/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/28/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 09/26/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 09/24/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/22/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/20/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/16/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 09/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/08/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 09/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/01/2023 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 08/31/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/16/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 08/08/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/06/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 08/05/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 07/31/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
|
| 07/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/08/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/07/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/05/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/13/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 06/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
|
|
|
| 05/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 05/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/11/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 05/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/08/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 04/19/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 04/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 03/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/26/2023 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 03/24/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 03/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 03/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/19/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/13/2023 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 02/08/2023 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 02/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 01/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/27/2023 |
No |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 01/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/27/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 12/13/2022 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/16/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/12/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/04/2022 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
|
|
|
| 10/31/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/26/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Older American, Servicemember |
|
|
| 10/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/27/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/08/2022 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/06/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/03/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 08/26/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
|
| 08/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/03/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/14/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/26/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/11/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Older American |
|
|
| 04/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 04/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/03/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 04/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/14/2022 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 03/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/03/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/03/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 02/05/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 01/26/2022 |
No |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/23/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/31/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 12/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/25/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 10/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/16/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/31/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 08/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
|
| 08/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/27/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/10/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/22/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 06/16/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 04/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/14/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/08/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/12/2021 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 11/25/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/11/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 11/06/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/16/2020 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 10/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 09/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/02/2020 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 08/31/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 07/17/2020 |
Yes |
- Student loan
- Private student loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 05/21/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 05/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/01/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/12/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 03/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/24/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 01/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/10/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Referral |
|
|
|
| 12/31/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Older American, Servicemember |
|
|
| 11/23/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 09/06/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 09/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/02/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/26/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/26/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/14/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 02/20/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 02/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 10/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 09/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/08/2018 |
Yes |
- Debt collection
- Private student loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 09/19/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/25/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/12/2017 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/29/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Servicemember |
|
|
| 02/19/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Phone |
|
|
|
| 12/22/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 10/04/2014 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
|
| 09/05/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/28/2014 |
Yes |
- Debt collection
- Non-federal student loan
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
|
|
|
| 05/26/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/01/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 08/09/2013 |
Yes |
- Debt collection
- Non-federal student loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|