Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Moss Law Firm, P.C.
State: TX

Complaint narrative:
This is my formal rebuttal to the XX/XX/year>, response submitted by Moss Law Firm , P.C . regarding my CFPB complaint. I dispute the legal claims, factual representations, and collection conduct made by the Firm. Their response includes misleading statements, deceptive tactics, grammatical and typographical errors, and shows a clear intent to intimidate and confuse rather than lawfully validate a debt. 

1. Misleading and Deceptive Practices XXXX XXXX Firms CFPB response misrepresents both the facts and the law. Their statements minimize the legal requirements for debt validation, improperly rely on out-of-jurisdiction case law, and seek to shift the burden of proof onto me, the consumer. These actions constitute violations of : 15 U.S.C. 1692e False, deceptive, or misleading representations Texas Finance Code 392.304 ( a ) ( 19 ) Using any other false representation or deceptive means to collect a debt 2. Unprofessional Conduct and Sloppy Communication The response from Moss Law Firm contains numerous grammatical and typographical errors, including illegible portions such as XXXX XXXXXXXX XXXX XXXX These careless errors reflect a lack of professionalism and due diligence, and raise concern that their communications may be intentionally confusing. Such behavior undermines trust and violates the spirit of transparency required under 15 U.S.C. 1692g and Texas Finance Code 392.303. 

3. No Contract and No Consent I have never consented to contract or conduct business with Moss Law Firm. No signed contract or agreement has been produced showing my direct consent or obligation to this third-party debt collector. Under UCC 1-308 and Texas Business and Commerce Code 1.201 ( b ) ( 3 ), consent can not be implied or presumed.

4. Failure to Prove the Debt Has Not Been Discharged The Firm has failed to prove the alleged debt was : Not previously discharged Not already settled Still legally enforceable under applicable law This omission is especially critical because I have evidence that other entities are also attempting to collect on this same XXXX XXXX accountdemonstrating potential fraud, duplicate collections, and a violation of 15 U.S.C. 1692e ( 2 ) ( A ). 

5. Incomplete and Invalid Validation Moss Law Firms alleged validation did not include : A signed contract Proof of assignment A complete accounting Confirmation that the alleged debt was not resolved or voided Their reliance on XXXX XXXX XXXX, a XXXX Circuit case, does not override the broader consumer protection laws available under Texas law, especially when multiple collection attempts are involved. 

6. Violation of Cease and Desist Despite my cease and desist, Moss Law Firm continued communications and filed a misleading response via the CFPB. This is in direct violation of : 15 U.S.C. 1692c ( c ) Prohibiting further contact after written notice Texas Finance Code 392.302 Harassment or abuse 7. Unauthorized Credit Reporting I do not consent to any credit reporting of this alleged account. If Moss Law Firm or any party is reporting this debt while it remains unvalidated or disputed, it is a willful violation of : 15 U.S.C. 1681s-2 ( b ) Furnisher duties during a dispute FCRA 611 Failure to investigate inaccurate information Texas Finance Code 392.202 Disputed debt investigation requirements 8. Potential Statutory Damages and Civil Penalties I hereby notify all parties that I reserve my right to pursue civil and statutory damages for Moss Law Firms continued misconduct. Violations of federal and Texas debt collection laws may carry the following penalties : Under the FDCPA ( 15 U.S.C. 1692k ) : Up to {$1000.00} in statutory damages Actual damages ( emotional distress, costs, legal expenses ) Attorneys fees if legal action is required Under the FCRA ( 15 U.S.C. 1681n, 1681o ) : {$100.00} to {$1000.00} per violation for willful noncompliance Punitive damages where applicable Actual damages and legal costs Under Texas Finance Code ( Ch. 392 ) : {$100.00} per violation Actual damages, attorneys fees, and potential civil penalties Possible {$10000.00} per violation under the Deceptive Trade Practices Act ( DTPA ), if brought by the Attorney General I reserve all rights to seek restitution, damages, and equitable relief for Moss Law Firms deceptive, unlawful, and harassing debt collection conduct. 

9. Relief Requested I request that the CFPB and relevant agencies take the following actions : Investigate and halt all collection activity by Moss Law Firm and any affiliated collectors.

Require proof from Moss Law Firm that the debt has not been previously discharged or assigned to multiple parties.

Delete all negative credit reporting associated with this disputed and unvalidated debt. 
Refer this matter for potential state or federal enforcement due to repeated violations and misleading practices. 


I fully and formally reject Moss Law Firms response. It is filled with misleading legal citations, deceptive arguments, sloppy and error-filled content, and exhibits a blatant disregard for federal and state debt collection laws. Their conduct may entitle me to civil and statutory damages, and I urge the CFPB to investigate this matter fully. 

This rebuttal is submitted in good faith, and all rights are expressly reserved.

Company response to consumer: Closed with explanation