Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN : XXXX | DOB : XX/XX/XXXX Email : XXXX Phone Number : ( XXXX ) XXXX XX/XX/XXXX Consumer Financial Protection Bureau Subject : Complaint Against Collection Agency Violating Consumer Rights , Dispute of Debt and Revocation of Communication Rights To whom it may concern : I am writing to file a formal complaint against [ LMMINC ] for multiple violations of my consumer rights under the regulations administered by the Consumer Financial Protection Bureau ( CFPB ) . I am disputing any and all alleged debts claimed by [ LMMINC ] I hereby revoke all rights for [ LMMINC ] to communicate with me via email, text, or calls in any form or manner. It has come to my attention that the collection agency has egregiously violated the following laws, thus necessitating immediate intervention and enforcement by your esteemed bureau : Furthermore, I request debt validation in accordance with my rights as a consumer. Please provide documentation substantiating the existence, validity, and ownership of the alleged debt, including but not limited to the original creditor 's purchase agreement with [ LMMINC ] Additionally, I require proof of [ LMMINC ] licensure and bonding, as required by law, to ensure their legal authority to engage in debt collection activities.

1. **Violation of 12 CFR 1006.34 ( b ) ( 5 ) : ** Despite the requirement under this regulation to provide validation information [ LMMINC ] has failed to do so. Yet, they have proceeded to place a collection on my consumer report, thereby directly contravening my rights and causing undue harm to my financial reputation.

2. **Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ) : ** I have been denied the opportunity to dispute the account in question, as mandated by this regulation.

The collection agency 's failure to afford me this basic right of due process is deeply concerning and undermines the integrity of the consumer financial protection framework.

3. **Violation of Consumer Rights through Misleading Practices : ** It has become apparent that [ LMMINC ] has engaged in false, misleading, and deceptive means in their collection practices. Such unethical behavior not only violates consumer rights but also creates an environment of distrust and exploitation within the financial system.

4. **Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : ** The collection agency lacks the authority to furnish any account to consumer reporting agencies without providing the requisite disclosures mandated by law. By failing to adhere to these legal requirements, [ LMMINC ] is flagrantly disregarding consumer protections and must be held accountable for their actions. 
It is imperative that the Consumer Financial Protection Bureau thoroughly investigates these violations and takes decisive action to ensure compliance with consumer protection laws. I implore the bureau to intervene on my behalf, provide assistance in rectifying the damage caused by the collection agency 's actions, and uphold the rights and dignity of consumers. 

I expect a prompt and comprehensive response to my dispute and requests outlined above. 
I appreciate your attention to this matter and look forward to a swift and thorough resolution. 
Sincerely, XXXX XXXX

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