Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Response Account # XXXX Notice of Dispute, Demand for Full Validation, and Cease Collection Efforts To Whom It May Concern, I am writing to formally dispute and reject the alleged debt referenced in your recent communications. I do not acknowledge any obligation to Scott & Associates, and I categorically state that I do not owe your firm any money. 
You have failed to provide proper and lawful debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ). Providing copies of credit card statements from XXXX XXXX does not satisfy the legal requirements for validating a debt. You have not provided a signed contract or agreement bearing my signature that creates any legal obligation between myself and your firm. You have also failed to produce a Bill of Sale or Assignment Contract showing that this debt was legally purchased or transferred to Scott & Associates, including the purchase amount, the date of sale, or proof that you have any legal standing to collect this debt. 
You have not supplied a complete account history outlining the original balance, interest, fees, or payments. The inconsistent balance figures reported to me, {$6800.00} and {$8200.00}, are further evidence of your inability to accurately validate this debt. Additionally, you have not shown that your firm is licensed to collect debts in the State of Texas, nor have you proven that this alleged debt is within the four-year statute of limitations for collection under Texas law , as established in Tex. Civ. Prac. & Rem. Code 16.004 ( a ) ( 3 ). 
Your failure to provide these required documents violates both state and federal consumer protection laws. The actions your firm has taken thus far are in direct violation of the FDCPA and the Leikvold-Bailey-Grimm Act , which protects consumers from unfair and unverified collection efforts. 
XXXX XXXX has already charged off this account. As a third-party debt collector, XXXXXXXX XXXX XXXXXXXX has offered no proof of legal ownership or authority to collect. Courts have repeatedly held that debt collectors must provide full and meaningful validation of debts, not merely statements or balances. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) and XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ). 
Accordingly, under 15 U.S.C. 1692c ( c ), I demand that you cease all communication with me regarding this account. Stop calling me. This debt is not mine. Any continued effort to contact me, report this unverifiable debt to credit bureaus, or pursue collection action without meeting the legal requirements for validation is unlawful and will be reported to the appropriate agencies. 
If you can not provide all requested documentation, this alleged debt must be considered invalid, uncollectible, and must be removed from all credit reports under your obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2. 
If you continue collection efforts without proper validation, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Texas Attorney Generals Office, and all major credit bureaus. I also reserve the right to take legal action for violations of 15 U.S.C. 1692e ( false or misleading representations ), 15 U.S.C. 1692f ( unfair practices ), Texas Finance Code 392.202 ( failure to validate debts ), and Texas Business & Commerce Code 17.46 ( Deceptive Trade Practices ). 
You are required by law to respond within 30 days of receiving this letter. If I do not receive full and proper validation of the debt, I will proceed accordingly to protect my rights. 
This letter is being sent via certified mail to establish a record of communication. 
Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation