Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office of Michael J. Scott, PC
State: VA

Complaint narrative:
On XX/XX/year>, I submitted a timely written request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that request, I specifically asked for documentation sufficient to establish the collectors legal right to collect, including but not limited to : The name of the original creditor The date of charge-off A complete itemization of the amount claimed ( principal, interest, fees ) Documentation showing the full chain of title from the original creditor to the current creditor A copy of the original signed agreement or contract bearing my name Documentation demonstrating the alleged debt is within the applicable statute of limitations On or about late XX/XX/year>, Scott & Associates responded by providing billing statements only, which did not include any documentation establishing ownership of the debt, a bill of sale, an account-level assignment, or the original contract. 

On XX/XX/year>, I sent a written follow-up disputing the alleged debt in both existence and amount, and clearly identifying the deficiencies in their response. I again requested proof of ownership, chain of title, contractual authority for interest and fees, and statute-of-limitations documentation. 

On XX/XX/year>, Scott & Associates sent a cover letter accompanied by approximately 50 pages of billing statements. In that letter, Scott & Associates affirmatively stated that they had already verified the debt, that the debt was valid and continuing, that the amount was correct, and that I was the correct party responsible for payment. They cited XXXXXXXX XXXX XXXXXXXX and asserted that they had provided more than what the law requires. 

However, even after this response, Scott & Associates still failed to provide : Any bill of sale or assignment agreement Any account-level documentation showing transfer of ownership from XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX Any documentation showing transfer or assumption of the account from XXXX to XXXX XXXX ( despite providing XXXX  XXXX statements ) Any copy of the original signed agreement or contract Any documentation authorizing the assessment of interest, fees, or post-charge-off additions Any documentation establishing that XXXX  XXXX  XXXX is the lawful current owner of the alleged debt Despite these unresolved deficiencies, Scott & Associates stated in their XX/XX/year> letter that they were resuming collection activities. 

Why this is a problem : I did not dispute receipt of billing statements. I disputed ownership, standing, contractual authority, and the accuracy of the amount claimed. Billing statements alone do not establish legal ownership of a debt, nor do they demonstrate a collectors authority to collect on behalf of a debt buyer.

By asserting that validation was complete and resuming collection activity without curing the specific defects identified, Scott & Associates misrepresented the legal status of the alleged debt and continued collection activity despite an ongoing dispute, in potential violation of 15 U.S.C. 1692e and 1692g.

Their reliance on generalized case law to avoid producing ownership documentation does not address my specific dispute regarding standing and chain of title.

Company response to consumer: Closed with explanation