Debt collection -- Written notification about debt -- Complaint #8601563
Complaint Overview
Complaint ID: 8601563
Company: Lockhart, Morris & Montgomery INC.
Product: Debt collection
Sub-Product: Medical debt
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: Florida
ZIP Code: 33065
Date Received: 2024-03-21T12:00:00-05:00
Date Sent to Company: 2024-03-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute the actions of LMMINC, a collection agency, which I believe are in violation of several consumer protection laws and the Health Insurance Portability and Accountability Act ( HIPAA ). The specific laws allegedly violated are : 12 CFR 1006.34 ( b ) ( 5 ) : This regulation prohibits unfair, deceptive, or abusive acts or practices by debt collectors. LMMINC has violated this provision through unfair, deceptive, or abusive practice, 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This section pertains to the communication tactics of debt collectors. 12 CFR 1006.34 ( d ) : This regulation addresses the validation of debts by debt collectors. I believe LMMINC has not adhered to the stipulations set forth in this section 15 USC 1681-S2 ( 7 ) ( A ) : This provision of the Fair Credit Reporting Act ( FCRA ) prohibits the reporting of inaccurate information to consumer reporting agencies. HIPAA : Additionally, LMMINC may have violated HIPAA regulations by disclosed protected health information ( PHI ) without authorization I demand the immediate deletion of the account associated with LMMINC, from the records of both LMMINC and any credit reporting agencies. This demand is based on the identified violations and in accordance with my rights under the aforementioned laws. I appreciate the attention of the Consumer Financial Protection Bureau to this matter and your commitment to upholding consumer rights. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #8601563 about?
Complaint #8601563 was filed against Lockhart, Morris & Montgomery INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2024-03-21T12:00:00-05:00.
How did Lockhart, Morris & Montgomery INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Lockhart, Morris & Montgomery INC.?
Yes, visit the Lockhart, Morris & Montgomery INC. company profile at readthecomplaint.com/company/lockhart-morris-montgomery-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.