Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Michael J. Scott, PC
State: CA

Complaint narrative:
I am writing a complaint against XXXX XXXX XXXX ( XXXX & XXXX ), XXXX  Debt Collection License No. XXXX ; XXXX XXXX XXXX Consumer Affairs XXXX XXXX XXXX XXXX. This licensed debt collector has attempted to collect a debt that I do not recognize or owe, lacking sufficient factual grounds to support the allegations. 

FACTUAL BACKGROUNDS XXXX. XX/XX/XXXX I received a letter from Scott & Associates. The letter includes the following information : 1 ) Current Creditor : XXXX XXXX, XXXX ; XXXX ) Original Creditor : XXXX Bank ; XXXX ) Original Account Number : ( redacted, ending with XXXX ) ; XXXX ) File Number : XXXX ; XXXX ) Balance Due : {$13000.00} The letter includes a heading " TAX TIME PAYMENT OPTIONS '' and a footer stating, " THIS IS AN ATTEMPT TO COLLECT A DEBT... " XXXX. XX/XX/XXXX In immediate response to this attempt, I drafted and submitted a formal cease and desist letter to S & A, demanding verification of the debt and documentation supporting its existence. 

XXXX. XX/XX/XXXX I received a packet from S & A, consisting of : 1 ) A letter ; 2 ) Application for and Renewal of Judgment ; 3 ) Notice of Renewal of Judgment ; 4 ) Memorandum of Costs After Judgment ; 5 ) Proof of Service The original judgment was entered on XX/XX/XXXX, between XXXX XXXX XXXX and " XXXX XXXX. '' The application for renewal of judgment was filed on XX/XX/XXXX, in the XXXX XXXX XXXX XXXX. 

" XXXX XXXX, '' the designated debtor, was allegedly served on XX/XX/XXXX, at a residence in the XXXX of XXXX. 

The application was granted on XX/XX/XXXX, extending the statute of limitations for 10 years. 


ARGUMENTS I do not recognize the debt and, factually, do not owe the debt at issue. Nevertheless, S & A continues to insist that they have verified the debt and determined that I am the correct debtor. 

XXXX. I NEVER RESIDED IN THE UNITED STATES OR CALIFORNIA AT THE TIME THE DEBT WAS INCURRED ( XXXX ) AND " XXXX XXXX '' WAS SERVED ( XXXX ) I am a XXXX of the XXXX XXXX XXXX and am currently staying in the United States on a XXXX  visa, which expires in XX/XX/XXXX. As shown in my XXXX and travel history, I began temporarily residing in the XXXX on XX/XX/XXXX, for the purpose of attending law school. My first visit to the XXXX occurred on XX/XX/XXXX, for a brief six-day trip. Prior to XX/XX/XXXX, I had never resided in the United States. Accordingly, it is factually impossible for me to have incurred or entered into a contractual relationship with the creditor in XXXX. 

Furthermore, the XXXX XXXX XXXX states that " XXXX XXXX '' resided in the XXXX of XXXX in XXXX. I have never resided in any part of the XXXX, including XXXX, prior to XX/XX/XXXX. Even after relocating to California, I have only resided in the City of XXXX and the City of XXXX XXXX. I have never lived at, nor do I recognize, the XXXX address listed in the proof of service. 

XXXX. I WAS BORN IN XXXX AND WAS A MINOR WHEN THE DEBT WAS INCURRED ( XXXX ) I was born in XX/XX/XXXX and was legally a minor in XXXX, and thus incapable of incurring binding legal obligations. Combined with the fact that I was residing in the XXXX XXXX XXXX at the time, I could not and would not have incurred a debt from XXXX Bank. 

XXXX. MY FIRST LEGAL NAME DOES NOT MATCH THE NAME ON THE COLLECTION PROCESS My first legal name is " XXXX XXXX ( redacted ), '' not " XXXX. '' The identification documents I provided to CFPB clearly indicate my full legal name as " XXXX xxxx ( redacted ). '' Therefore, XXXX & XXXX failed to properly identify the correct debtor and mistakenly pursued collection against the wrong individual.

Company response to consumer: Closed with explanation