Consumer complaint received 2020-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
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.

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