Consumer complaint received 2024-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc.
State: TN

Complaint narrative:
Lockhart , Morris & Montgomery , Inc. failed to provide any of the information they even attempted to deceive me by sending a fake billing statement ( Dated for XX/XX/XXXX ). They have furthered the fraud by looking into my credit report ( hitting my credit files for XXXX on XX/XX/XXXX ). This debt collection company Lockhart , Morris & Montgomery , Inc. did not respond to any of my letters ( XX/XX/XXXX & XX/XX/XXXX, certified mail ) in the time allowed of 45 days each. They had the option to stop the pursuit of this alleged debt, they did not instead they generated a fake document. [ I will include with this complain as proof of the deceitful practices of Lockhart , Morris & Montgomery , Inc. ] I requested 4 pieces of information multiple times for proof and one of those times by certified mail ( XX/XX/XXXX ). 

The following was requested of Lockhart , Morris & Montgomery , Inc. to provide the following : Original Contract -The contract that has my written signature Creditors Information-Name, Address & Phone Number ( s ) Payment History -Itemized billing associated with the account Proof of Ownership -Your company ( Lockhart, Morris & Montgomery , Inc. ) must provide me proof that you have authorization to collect this debt from me.

CONSUMER ENFORCEMENT ACTION As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative of XXXX XXXX XXXX on all accounts created by my seal/ signature, I order Lockhart , Morris & Montgomery , Inc. to make recompense and pay redress and compensation for their trespass against me personally, my family and my household. This is criminal activity at least and unacceptable by every means.

Lockhart , Morris & Montgomery , Inc. have committed seventeen federal violations against me, a Private law abiding Federally Protected Consumer. For taking time to address these issues. Violations committed against me included but not limited to : 1. Violation 25 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violation 25 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violation 25 USC 1692d ; Harass and oppressive use of XXXX about an alleged debt. 
4. Violation 25 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of XXXX, and I let it did to you. 
5. Violation 25 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violation 25 USC 1692e ; Using files, deceptive, or misleading representations 7. Violation 25 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violation 25 USC 169e ( 2 ) ( B ) ; False representation of any service, rendered or compensation 9. Violation 25 USC 1692e ( 8 ) ; Communicating false information 10. Violation 25 USC 1692e ( 9 ) ; Use/ distribution of communication with authorization or approval 11. Violation 25 USC 1692e ( 10 ) ; False Representation ( note a party to a ledge it debt by my consent ) 12. Violation 25 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violation 25 USC 1692f ; Unfair Practices, attempting collect and alleged death.

14. Violation 25 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by and agreement between parties.

15. Violation 25 USC 1692g ( a ) ( 4 ) ; Certifiable Validation and Verification of alleged debt ( s ) 16. Violation 25 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent, and creating an account in my name without my knowledge.

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