Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX XX/XX/XXXX __________________________ TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX AND TO : XXXX XXXX XXXX XXXXXXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Georgia XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, Pennsylvania XXXX NOTICE ALSO PROVIDED TO : Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Federal Trade Commission, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX California Attorney General XXXX XXXX, XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  RE : ILLEGAL REINSERTION FORMAL DEMAND FOR IMMEDIATE DELETION FDCPA 15 U.S.C. 1692e ( 8 ) FCRA 15 U.S.C. 1681s-2 ( a ) FCRA 611 ( a ) ( 5 ) ( B ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) FCRA 15 U.S.C. 1681i & 1681e ( b ) To Whom It May Concern : I obtained a copy of my credit report on XX/XX/XXXX, and discovered that the account identified as XXXX XXXX has been reinserted after prior dispute and deletion. 

This account was previously disputed and deleted. I received no written notice within five ( 5 ) business days of the reinsertion.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), an item deleted after dispute may not be reinserted unless the furnisher certifies completeness and accuracy, and the consumer receives written notice of the reinsertion within five business days. This notice did not occur.

Under FDCPA 15 U.S.C. 1692e ( 8 ), a collector may not report false credit information or fail to communicate that a debt is disputed.

Under FCRA 15 U.S.C. 1681s-2 ( a ), furnishers are prohibited from furnishing information that is known or should be known to be inaccurate.

I am respectfully requesting : 1. immediate cessation of all collection activity ; 2. immediate deletion of this reinsertion by all three credit bureaus ; and 3. a corrected credit report mailed to my address above after deletion, as required under 15 U.S.C. 1681i and 1681e ( b ).

__________________________ NOTICE OF PRESERVATION OF EVIDENCE Please preserve all audit logs, furnishing certifications, E-Oscar records, dispute handling records, consumer reporting transmissions, and internal notes relating to this account and any reinsertion activity. This includes digital metadata and system timestamp information. 

__________________________ California XXXX XXXX XXXX California law provides additional protections to victims of identity theft. 

California Civil Code 1785.16 ( k ) & 1785.16.2 require credit reporting agencies to block and delete information identified as the result of identity theft.

California Civil Code 1798.92 et seq. authorizes a consumer to submit identity theft documentation and prohibits continuing collection after receiving notice.

California Civil Code 1788.18 ( Rosenthal FDCPA ) bars any debt collector from attempting to collect a debt after receiving identity theft notice. 
The XXXX XXXX has confirmed XXXX identity theft statutes are not preempted by the FCRA ; they remain enforceable in California. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX D
eclaration Under Penalty of Perjury ( 28 U.S.C. 1746 ) I declare under penalty of perjury under the laws of the United States of America that the facts stated in this letter and any attached exhibits are true and correct to the best of my knowledge and belief. 

Executed on XX/XX/XXXX, in XXXX, California. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation