Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
Complaint Against : Lockhart , Morris & Montgomery , Inc . 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Also Notify : XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX Summary of Complaint Lockhart , Morris & Montgomery , Inc. ( LMM ) is reporting a collection account on my XXXX  credit file that is not mine and was verified in error. I am filing this complaint because both XXXX  and LMM have failed to follow the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Texas state laws regulating consumer reporting and debt collection. 

Details of the Violation Lockhart , Morris & Montgomery , Inc., a third-party collection agency headquartered in XXXX, Texas, claims to have verified a collection account allegedly assigned from XXXX XXXX XXXX  of Oklahoma, account ending XXXX XXXXXXXX, with an unpaid balance of {$800.00}, date assigned XX/XX/year>, and reported on XX/XX/year>. 

However, I dispute the legitimacy of this account and verification for the following reasons : Incorrect Address : XXXX  and/or LMM used an address that is not mine ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, TX XXXX XXXX. This demonstrates inaccurate personal information, which violates FCRA 607 ( b ) the duty to maintain maximum possible accuracy.

Failure to Validate Debt : Under 15 U.S.C. 1692g ( FDCPA ), a debt collector must provide full validation of the alleged debt, including the original agreement bearing my signature, account history, and documentation of assignment or ownership. LMM has not produced any of these records. 

Failure to Provide Method of Verification : Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), I have the right to request the full method of verification from XXXX  and the furnisher ( LMM ), including the name, address, and telephone number of the entity that verified the debt. This has not been provided. 

False or Misleading Reporting : The account status and balance date have been refreshed multiple times, giving the appearance of recent activity or re-aging the debt, which violates FCRA 623 ( a ) ( 2 ) and FDCPA 807 ( 8 ) ( prohibiting false or misleading credit information ).

Unlicensed Debt Collection ( Texas ) : Under Texas Finance Code 392.101 and Texas Business & Commerce Code 20.06, a third-party debt collector must be properly registered and licensed to collect debts in Texas. I demand proof that LMM is legally authorized to collect any debt in the State of Texas. 
Failure to Investigate in Good Faith : XXXX  investigation under FCRA 611 ( a ) did not include verification from the original creditor and ignored material evidence I provided. Reporting a false address and failing to confirm ownership through documentation violates the requirement of a reasonable reinvestigation. 

Statement of Intent If Lockhart , Morris & Montgomery or XXXX  continue to report or refresh this item without providing lawful validation, I intend to pursue further legal remedies under : FCRA 616617 ( civil liability for willful or negligent noncompliance ), FDCPA 813 ( 15 U.S.C. 1692k ) ( damages for failure to validate ), and Texas Finance Code 392.403 ( civil remedies for prohibited collection practices ).

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