Consumer complaint received 2021-09-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Office of Michael J. Scott, PC (TX)

On XX/XX/21 I XXXX, XXXX was sent a letter from an unknown entity stating that I was to pay them an unverified alleged debt. This paperwork was misleading ( violation of 15 USC 1692e ) and deceptive ( violation 15 USC 1692j ) due to I had never had any previous contact or dealings with this entity nor did I ever give consent to this entity to contact me in any form which is a violation of 15 USC 1692c ( a ). I also never gave consent for any affiliate of this entity to furnish this 3rd party Debt collector with any of my information. This entity was Scott & Associates PC. As per 15 USC 1692 ( a ) this was and still is an invasion of my Individual Consumer Rights to Privacy. Scott & Associates , PC stated that they are a Law Firm and they are attempting to collect a debt which is clear violation of 15 USC 1692e ( 14 ) which clearly states The false representation or implication that any individual is an attorney or that any communication is from an attorney. 

To add further context I would like to bring attention to 15 USC 1692a ( 6 ) that clarifies what a debt collector is : debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts. 

Within the initial communication from the 3rd party debt collector, they called out that a debt was owed which was a violation, and still is a violation of 15 USC 1692b ( 2 ) due to the initial communication that was sent was not received by me and I was embarrassed, and my reputation was further injured by this matter that I would have liked to have kept private. 

Also with in that initial communication Scott & Associates used additional symbols/language that indicated that they are in the debt collection business and that the communication was in relation to collecting a debt which violates 15 USC 1692b ( 5 ) & 15 USC1692f ( 8 ) which states not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

The debt collector has assumed this debt without proper validation/verification as set forth by 15 USC 1692g ( 3 ) which is a violation. 

I would like to call attention to 15 USC 1692d ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I would also like to call attention to 15 USC 1681 ( a ) ( 2 ) which calls out the following An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

My reputation as a consumer has been completely injured by this traumatic ordeal. Please refer to Exhibit I. The Creditors intent in this situation was to harm my reputation as a consumer by furnishing this unverified non-public information to the Elaborate Mechanism which is the Consumer Reporting Agencies.