Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Office of Michael J. Scott, PC (TX)

XXXX XXXX XXXX, Beneficiary All Rights Reserved Without Prejudice UCC1-308 C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Case # : XXXX Fraudulent XXXX XXXX XXXX XXXX Fraudulent Original Creditor : XXXX XXXX XXXX Fraudulent Original Account # : XXXX Fraudulent Affinity : XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To Whom It May Concern, In this complaint I am inserting the letter that I just sent off to XXXX XXXX XXXX today so that you will be abreast as to what has occurred.

Please read below my complaint via CFPB PORTAL to XXXX XXXX XXXX : Date : XX/XX/XXXX This complaint is in regard to a discovery I made that XXXX XXXX XXXX should be made aware of. I was going over everything for our upcoming court date and I discovered that XXXX XXXX XXXX made a clear and distinct federal violation that does not need to be proven because it is in black and white. Because XXXX XXXX XXXX has made this false claim against me as well as violated federal laws, I am requesting your companys Surety Bond information. I need to make a claim for negligence, fraud, identity theft, and other injuries due to all that XXXX XXXX XXXX has done to me. 
Please note that at the beginning of our communications I requested verification of this alleged debt and XXXX XXXX XXXX sent me back a copy of some numbers on a word document! Please be aware that is not verification. Verification means that you have to go to the original creditor or source of the numbers and validate and verify those numbers. Sending back a spreadsheet or screenshot is not validation, according to the Consumer Financial Protection Bureau ( CFPB ). Such records are not admissible in court and are not an exception to the business records rule.

Show me how I was given a loan anyone.

Show me how I was put in default.

If the contract was executed when you claim it was then where did you get your numbers?

Is it not from somebody else?

Is that not hearsay?

Is that " somebody else '' still around to be able to testify and be cross examined by me as to whether that amount is valid or not?

Therefore, I must sue you for taking a threatening action against me that you can not take. I will be filing a claim against your companys bond for a deceptive act, misrepresenting the character and amount of the alleged debt.

I Demand that you explain how you arrived at that number with admissible evidence. Remember you must be on point to the dollar. This can only come from the alleged original creditor. It can not come from self-serving affidavits or from employees of your corporation!

Please note that Debt Collectors May Not Pull Credit : 15 USC 1681 ( b ) qualifies who has a permissible reason to pull a credit report. XXXX XXXX XXXX as a Debt Collector have no permissible reason and can be sued under this statute because you are not a creditor, and I did not apply for credit or insurance with your company, I did not apply for employment with your company, So XXXX XXXX XXXX is not allowed to pull my consumer report, Yet there it is in black and white of your company CLEARLY VIOLATING THIS FEDERAL LAW more than XXXX  times!

Please be advised that I am putting you on notice that I, XXXX XXXX XXXX, Beneficiary, am a natural, living, woman and you are making a claim against my property. XXXX XXXX XXXX has no right to make a claim against a natural, living, human being.

The fact that XXXX XXXX XXXX writes to me and tells me that they did not purchase this account until XX/XX/XXXX. Yet, XXXX XXXX XXXX pulled my consumer report on XX/XX/XXXX. How is this possible when XXXX XXXX XXXX claims to have purchased this debt on XX/XX/XXXX? This tells me that XXXX XXXX XXXX obtained my social security number through purchase from XXXX, received a copy of my consumer report and other nonpublic information without permissible permission, and manufactured this debt, essentially stealing my identity! From my investigation an individual does not have to provide a social security number to XXXX XXXX because they are a NO CREDIT CHECK BUSINESS! 
XXXX XXXX XXXX stole my nonpublic information off of my consumer report, placed my information onto a word document as if it came from XXXX XXXX or XXXX XXXX and now you are making a fraudulent claim against me via the court system! 
Not to mention XXXX XXXX is being sued by the FEDERAL GOVERNMENT THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) as we speak! XXXX XXXX is in a pending litigation with The Consumer Financial Protection Bureau ( CFPB ). I will be placing all of these facts into evidence before our court date on XX/XX/XXXX as well! 
As I stated before I do not know who XXXX XXXX XXXX is. I have never done business with your company. XXXX XXXX XXXX has never brought forth a contract between myself and your company, coupled by the fact that XXXX XXXX XXXX violated Federal Law by obtaining a copy of my consumer report on XX/XX/XXXX, and then again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. But XXXX XXXX XXXX states that they merely purchased this account on XX/XX/XXXX. XXXX XXXX XXXX can buy up as much debt as you wish but you can not buy consumers nonpublic, private, personal information without their consent. 
Thats goes against one of the Federal Laws - GrammLeachBliley Act! 
XXXX XXXX XXXX needs to bring forth any natural, living man or living woman from your company, XXXX XXXX, or Scott & Associates to come to court on this matter, that has first-hand knowledge of this fraudulent contract and be willing to testify under penalty of perjury! Someone with first-hand knowledge of a contract between me and XXXX XXXX XXXX who will swear to it under oath and that includes any attorney that wants to speak on the record!

If you can not do that then please send me your surety bond information for producing a false claim! You cant come in and say anything with an attorney or not because anything you say or produce is HEARSAY! You are putting hearsay documents and hearsay evidence into the court. I will make sure you are sworn in under oath and on record!

Again, I need the Surety Bond Company information for XXXX XXXX XXXX as well as {$1000.00} for each violation for pulling my consumer report without permissible permission and without my written consent. 



XXXX XXXX XXXX, Beneficiary All Rights Reserved Without Prejudice UCC1-308 XXXX XXXX XXXX, Beneficiary All Rights Reserved Without Prejudice UCC1-308 C/O XXXX XXXX XXXX XXXX 
XXXX, XXXX  [ XXXX ] Re : Case # : XXXX Fraudulent XXXX XXXX XXXX XXXX  Fraudulent Original Creditor : XXXX XXXX XXXX Fraudulent Original Account # : XXXX Fraudulent Affinity : XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX SCOTT & ASSOCIATES we have an issue as well. Please prove the following : Prove that the contract is an authentic original.

Produce the promissory note! 
Provide the Purchase Agreement!

Prove the entire money trail in addition to the note!

You need to prove that XXXX XXXX bank ( XXXX  XXXX ) has a bank entry demonstrating a withdrawal from their account corresponding to a deposit to my account for the goods.

You must show the bookkeeping entries that prove the loan.

Verify that they are an Attorney and not a debt collector.

If you fail to prove a claim, I will then charge you with criminal intent, or sue you for the maximum allowed in smalls claims court in XXXX XXXX which is {$20000.00}. This will be for harassment, waste of time ( I travel for work and have to stop work and come to town just to deal with this fraudulent claim ), intimidation, false claims, extortion, and even mail fraud! I will be also asking for Scott & Associates to prove you have jurisdiction on the record of this natural, living, breathing woman!

Please be advised that an attorney for the plaintiff can not admit evidence into the court. He is either an attorney or a witness XXXX XXXX XXXX XXXX 
Because you are bringing a judicial action you must have : Admissible Evidence and Competent fact witnesses.

Where is the evidence showing I owe you money? Where is the record saying there is a debt here other than some bank statements, or a manufactured ledger on a XXXX document! That does not evidence anything! It does not prove that you moved an asset from your ledger to my ledger or gained interest in my property or even had a prior interest in my property! And who are you? None of your attorneys can testify or put statements on the record. 
I am positive that there are not taxes being paid by your company so I will be filling out 3949A form as well as the 211 to the IRS! I know that in my previous conversations with you all I advised that I would fill out the forms, I did not take the time to do so because I travel so much for work, but now that XXXX XXXX XXXX has made some serious Federal Violations against me by pulling my consumer report 9 times and manufacturing this debt, this company needs to be stopped because now they have gone too far.

Also, Scott and Associates recently sent my husband a collection notice for a debt that is well over the statute of limitations for collection so my question to you is are you an attorney or a debt collector because XXXX debt collectors can not be coming after someone for the same alleged debt. Between Scott and Associates and XXXX XXXX XXXX there are too may violations.

Before we can proceed with this matter, as director and beneficiary of my legal person/corporation you have XXXX  days to respond in writing, and provide proof of claim with evidence, that you have legal and lawful authority to bother me at all. Until then we can not proceed. I also need your oath of office as well as your law firms surety bond. If I have to do a FOIA request to obtain that information, I will do that as well. 


XXXX XXXX XXXX, Beneficiary All Rights Reserved Without Prejudice UCC1-308