Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Brock & Scott, PLLC
State: GA

Complaint narrative:
I am submitting this formal complaint against the law firm Brock & Scott , PLLC, for knowingly suing me under a false name XXXX XXXX despite my legal name being XXXX XXXX XXXX. They obtained a default judgment under the name XXXX XXXX in XXXX XXXX. XXXX, filed in Georgia. This has resulted in significant harm to me personally and financially. 

Summary of Misconduct : Brock & Scott , PLLC : Initiated a lawsuit under a fraudulent name not belonging to me Failed to properly notify me, serve me, or validate the alleged debt Secured a default judgment under false pretenses Caused injury to my credit, emotional distress, and reputational damage I have clear evidence that my legal name is XXXX XXXX XXXX, not XXXX XXXX. This judgment is fraudulent, and their conduct is not only unethical it is illegal. 

Legal Violations : XXXX XXXX XXXX, XXXX XXXX violates multiple federal statutes, consumer protection regulations, and legal standards, including : Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq.

1692a ( 6 ) : XXXX XXXX XXXX qualifies as a debt collector under the FDCPA and is fully subject to its provisions 1692g : They failed to provide a written debt validation notice within five days of initial communication 1692b ( 2 ) : They disclosed information about the alleged debt to third parties, including using an unrelated identity 1692b ( 5 ) : They continued unauthorized third-party communications after notice 1692e : Use of false, deceptive, or misleading representations, including suing under a false name, violates this section 1692e ( 5 ) : Threatening or taking legal action that is not legally authorized or intended is strictly prohibited Privacy Act of 1974 5 U.S.C. 552a Prohibits the use, disclosure, or sharing of personal information without the individuals consent. XXXX & XXXX used false identifying information to pursue legal action against me. 

Uniform Commercial Code ( UCC ) UCC 3-501 ( b ) ( 2 ) A consumer has the right to demand proper presentment and verification of any claim. No valid contract, proof of debt, or proper notice was ever presented to me.

Fair Credit Reporting Act 15 U.S.C. 1681 et seq.

If this fraudulent judgment has been reported to any credit bureau, it also constitutes a violation of FCRA 1681e ( b ) for failing to maintain accurate consumer information. 

XXXX Requested : As a result of these unlawful actions, I am requesting that the CFPB : Launch a full investigation into XXXX XXXX XXXX, PLLCs deceptive practices Require them to vacate the default judgment in Case No. XXXX due to misidentification and fraud Require written confirmation that all actions taken under the name XXXX XXXX in connection to me are terminated and corrected Assist me in recovering damages under 15 U.S.C. 1692k, including statutory and actual damages Ensure correction of any impact this has had on my credit profile, privacy, and legal standing This case represents a dangerous misuse of the legal system and debt collection laws. Brock & Scott , PLLC knowingly sued the wrong person, and I am suffering the consequences. I request your full support and oversight in holding them accountable. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation