Consumer complaint received 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
DATE : XX/XX/XXXX / XXXX NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX CONTACT : ( XXXX ) XXXX XXXX XXXX : XXXX Company : Lockhart , Morris & Montgomery XXXX INC XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Contact : ( XXXX ) XXXX Account Number : XXXX Reference Number : XXXX Dear Sir or Madam, I am writing this letter to formally dispute the legitimacy and ownership of a debt claim reported under my name related to an account with the original creditor, XXXX XXXX XXXX XXXX XXXX they sold this debt once it was reported as a fraudulent account to Lockhart, Morris & Montgomery , INC and currently managed by your agency as of XX/XX/XXXX. According to the record, this account was assigned to your agency with out my permission by the previous company which is a violation of my consumer rights. 

The reported balance is {$340.00} and the original amount of XXXX. 
Please be informed that I have no knowledge or record of incurring this debt under the terms stated and hereby assert that this account is fraudulent or mistakenly attributed to my identity. The distress and financial impairment inflicted upon me by this erroneous claim can not be overstated, as it significantly impacts my creditworthiness and access to financial services. I can not believe XXXX XXXX XXXX XXXX would do something like this that is not only overwhelming but criminal. I will be taking legal action to rectify this matter. 

Given these circumstances, I demand immediate action on your part to investigate and rectify this situation. Specifically, I request : 1. Detailed documentation proving my responsibility for this debt, including any contracts or agreements signed between myself and the original creditor, XXXX XXXX XXXX XXXX and Lockhart , Morris & Montgomery , INC .

2. A complete history of the account from the original amount owed to the current claimed balance, including an explanation of all charges that have led to the balance increase.

3. Evidence of your authority to collect this debt, including proof that this debt was rightfully assigned to your agency by the original creditor.

4. Immediate cessation of all collection efforts and reporting of this account to credit bureaus until this matter is resolved. Furthermore, should this debt be proven invalid or not belonging to me, I demand its complete removal from my credit reports and a written confirmation of the same. 
Failure to adequately address and resolve this dispute within 30 days of receipt of this letter will compel me to take further actions, including but not limited to seeking legal counsel and filing complaints with appropriate consumer protection agencies. 
The continuous reporting of this fraudulent or mistaken debt has caused me unwarranted stress and financial harm. I trust you will treat this matter with the urgency and seriousness it deserves and look forward to your prompt response confirming the resolution of this issue. 
Sincerely, XXXX XXXX XXXX

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