Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
Dear Compliance Department, I am writing to dispute the inaccurate and unlawful reporting of medical debt listed on my credit report. This reporting directly violates both the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Consumer Financial Protection Bureaus ( CFPB ) final rule issued on XX/XX/year>, as well as Regulation F under the Fair Debt Collection Practices Act ( FDCPA ). 
On XX/XX/year>, the CFPB finalized a rule that prohibits the inclusion of all medical bills on consumer credit reports, regardless of the payment status, amount, or date of delinquency. This rule was enacted after findings that medical collections have little predictive value of creditworthiness, and that their inclusion on credit reports was often used as a coercive and abusive collection tactic. CFPB XXXX XXXX XXXX emphasized : > The CFPBs new rule ends the practice of weaponizing the credit reporting system to coerce patients into paying medical bills they XXXX not even owe. 
This rule directly prohibits credit reporting agencies from furnishing or maintaining medical debt collection tradelines. Further, Regulation F ( 12 CFR Part 1006 ), which implements the FDCPA, places strict limits on debt collection practices, including misrepresentation and the communication of disputed or non-verifiable debts to third parties, including credit bureaus. 
The account ( s ) listed below violate both the spirit and letter of these protections : XXXX XXXX : XXXX, XXXX & XXXX Account Number : XXXX Reported Balance : {$1200.00} Date Opened/Reported : XX/XX/year> You are hereby formally notified that this account must be deleted from my consumer file immediately under the authority of : - 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy - 15 U.S.C. 1681c ( a ) Prohibition on obsolete information - 12 CFR Part 1006 ( Regulation F ) Prohibited collection and furnishing of medical debts in violation of consumer rights- CFPB Final Rule, XX/XX/year> Barring the inclusion of medical bills on consumer reports I demand deletion of this medical debt from my credit report within 30 days as required under FCRA 1681i ( a ) ( 1 ) ( A ). If the item is not removed, I will file formal complaints with the CFPB, the FTC, and my State Attorney Generals office, and will seek legal remedies for willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o.

Please provide written confirmation of the permanent deletion of the account ( s ) listed above. If you continue to report this information, provide the method of verification used, a copy of the information received from the furnisher, and a justification under federal law for reporting a medical debt now deemed unlawful. 
Govern yourself accordingly. 
Sincerely XXXX, XXXX & XXXX Account Number : XXXX

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