Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding a collection account being reported on my credit reports by Lockhart , Morris & Montgomery on behalf of XXXX XXXX XXXX. The collection account first appeared on my credit reports in approximately XX/XX/year>. I do not recognize this debt and have been unable to obtain sufficient information to determine whether it is legitimate. The creditor is listed as " XXXX XXXX XXXX, '' which appears to be related to emergency medical services. However, I have not visited an emergency room in more than XXXX years and have no knowledge of any unpaid emergency medical bills. While it is possible that the debt belongs to me, I need documentation to verify the account before I can determine whether it is valid. After discovering the collection account, I contacted Lockhart , Morris & Montgomery immediately via phone and requested information regarding the alleged debt. I specifically requested documentation that would allow me to identify the debt, including the date of service, the provider involved, and information demonstrating that the debt belonged to me. I was informed that the information would be mailed to me and that it could take approximately XXXX to XXXX days to arrive. After waiting well beyond that timeframe and receiving nothing, I contacted the company again via phone and made the same request. Once again, I was told that the information would be mailed to me within XXXX to XXXX days. I was also informed that there was no record of my prior request. It has now been several additional months, and I still have not received any documentation regarding this account. In between the first and second phone call I also sent a standard debt validation letter. At this point, I have made multiple good-faith attempts to obtain information directly from the collection agency over a period of many months. Despite these efforts, I have never been provided with any documentation identifying the original debt, the date of service, the provider involved, the amount allegedly owed, or evidence demonstrating that I am the individual responsible for the debt. Additionally, this collection account has had a significant negative impact on my credit profile. When the debt was first reported on my credit report, my credit dropped at a minimum of XXXX points. This has harmed my creditworthiness and may affect my ability to obtain favorable financing, credit opportunities, and other benefits that rely on an accurate credit history. Because I have never been provided sufficient information to determine whether this debt is actually mine, I am particularly concerned that an unverified account is continuing to negatively affect my credit standing. I understand that consumers have the right to obtain information sufficient to identify and verify debts being reported against them. I believe I have made reasonable efforts to obtain this information directly from the collection agency, but my requests have not resulted in any documentation being provided. I respectfully request that your office investigate this matter and assist in obtaining proper validation of the alleged debt. At a minimum, I am seeking documentation identifying : The original date of service The medical provider or facility involved The amount originally owed Documentation showing that I am the individual responsible for the debt Information sufficient to verify the accuracy of the collection account being reported on my credit reports If the collection agency can not provide sufficient documentation to substantiate the debt and its reporting, I request that appropriate action be taken to ensure compliance with applicable consumer protection and credit reporting laws. Thank you for your time and assistance. I am happy to provide any additional information needed regarding this matter.

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