Consumer complaint received 2023-12-17
Company: Law Office of Michael J. Scott, PC
State: TN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I reached out to XXXX about a status change on my credit report which shows the loans have been written off. I spoke with the XXXX representative XXXX on XX/XX/2023 around XXXX and requested info about the write off status and he confirmed that the loans were written off and went into collection with a law firm that serves as a collection agency named XXXX XXXX XXXX I requested the bill of sale, 1099 form for the written off amount, any documentation on the write off, and a copy of the signed contract for the alleged debt. I am currently awaiting this information. I made a request to XXXX XXXX for the following : This is not a request for validation of debt or any alleged debt but rather proving where you got my information and what you believe entitles you to collect any debt or alleged debt from me. I am not asking for verification of debt, statements, or any account information. XXXX XXXX is not to communicate with me directly nor indirectly with the attempt to collect any debt or alleged debt. 

XXXX XXXX responded to the request above by stating, This is in response to the inquiry ( No. XXXX ) that XXXX XXXX ( the Consumer ) submitted to the Consumer Financial Protection Bureau relating to alleged activities of Data Search NY Inc. , which conducts business as XXXX ( the Company ). The Company is engaged in the business of the management of loan portfolios for, among others, XXXX XXXX XXXX XXXX XXXX The Company does not engage in the collection of debts and does not maintain a credit reporting relationship with any of the credit reporting agencies and is not a data furnisher. The Client engaged Scott & Associates ( the Law Firm ) to recover the unpaid balance associated with the Consumers six loans obtained from XXXX. The XXXX mailed the initial letter on each of the Consumers six accounts on XX/XX/2023. The XXXX subsequently initiated separate lawsuits related to five of the six accounts and perfected service on one of the lawsuits. The status of each account is as follows : XXXX XXXX. XXXX Suit not yet filed XXXX XXXX. XXXX Suit filed XX/XX/2023 XXXX XXXX. XXXX Suit filed XX/XX/2023 ; service perfected XX/XX/2023 XXXX XXXX. XXXX Suit filed XX/XX/2023 XXXX XXXX. XXXX Suit filed XX/XX/2023 XXXX XXXX. XXXX Suit filed XX/XX/2023 Upon receipt, the Company provided the Firm with a copy of the inquiry and the Firm mailed a validation response to the Consumer with respect to each of the accounts on XX/XX/2023 and updated the accounts to reflect a cease-and-desist status. The Consumer should contact the Firm at XXXX for any further information with respect to the accounts or to discuss resolution options. 

I am now reaching out via the CFPB to Scott & Associates to request the bill of sale, 1099 form for the written off amount, any documentation on the write off, and a copy of the signed contract for the alleged debt. I am also requesting all information pertaining to the lawsuits filed by Scott & Associates or information on how I can obtain information pertaining to the lawsuits. 

I have never received any information from XXXX or XXXX XXXX or Scott & Associates on this matter other than the call I made to XXXX on XX/XX/2023 and the reply from XXXX XXXX through the CFPB on XX/XX/2023. I am making a request to Scott & Associates for the following : This is not a request for validation of debt or any alleged debt but rather proving where you got my information and what you believe entitles you to collect any debt or alleged debt from me. I am not asking for verification of debt, statements, or any account information. Scott & Associates is not to communicate with me directly nor indirectly with the attempt to collect any debt or alleged debt.

Company response to consumer: Closed with explanation