Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am filing this formal complaint against Lockhart Morris & Montgomery ( " Creditor '' ) and the credit reporting agencies XXXX, XXXX, and XXXX ( " Bureaus '' ) for multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This complaint addresses the continued inaccurate and unverifiable reporting of a collection account despite multiple disputes and requests for validation. 
II. Legal Violations 1. Violations of the Fair Credit Reporting Act ( FCRA ) : FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Duty to report accurate information : Lockhart Morris & Montgomery has misclassified the XXXX XXXX account as an " educational loan '' despite the fact that XXXX XXXX is a transportation company and not an educational institution. Reporting an account under the wrong classification is factually inaccurate and misleading, violating the accuracy requirements under FCRA 607 ( b ).

FCRA 623 ( a ) ( 15 U.S.C. 1681s-2 ( a ) ) Duty of furnishers to provide accurate information : Lockhart Morris & Montgomery provided incorrect classification details to the credit bureaus and failed to correct the misrepresentation after multiple disputes. This failure to provide accurate information constitutes a violation of XXXX ( a ). 

FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) Duty to investigate : After disputing the misclassification, the credit bureaus and Lockhart Morris & Montgomery were legally obligated to conduct a reasonable reinvestigation and correct the inaccurate reporting within 30 days. They failed to do so, which constitutes a violation of this section. 

2. Violations of the Fair Debt Collection Practices Act ( FDCPA ) : FDCPA 809 ( 15 U.S.C. 1692g ) Failure to validate debt : On XX/XX/year>, I submitted a formal debt validation request to Lockhart Morris & Montgomery via certified mail. The creditor has not yet validated the debt. If the debt can not be validated within the statutory 30-day period, the account must be deleted. Continuing to report the debt without validation would be a violation of this section. 

FDCPA 807 ( 15 U.S.C. 1692e ) Misleading and deceptive representation : By misclassifying a transportation-related debt as an " educational loan, '' Lockhart Morris & Montgomery has misrepresented the nature of the debt, which is prohibited under 807.

3. Reporting Inconsistencies and Contradictory Information : This account is misclassified as an " educational loan '' on XXXX, while XXXX and XXXX report it as a standard collection account. 

The classification as an " educational loan '' negatively affects my credit profile because it may suggest federal protections or repayment options that do not apply.

The conflicting classification between bureaus demonstrates a failure to report consistent and accurate information in violation of FCRA 607 ( b ).

III. Harm and Damages As a result of these violations : My credit score has been negatively impacted by the misclassification of this debt.

My ability to secure favorable loan terms and other forms of credit has been harmed. 

The emotional distress and financial damage caused by these inaccuracies have been substantial. 

IV. Requested Resolution In light of the numerous violations and the creditor 's failure to comply with federal law, I formally demand : Complete deletion of the Lockhart Morris & Montgomery account from my XXXX, XXXX, and XXXX credit reports. 

Removal of all associated late payments, delinquency notations, and negative marks. 

Confirmation of the deletion within the statutory 30-day window required by FCRA.