Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Office of Michael J. Scott, PC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  . 
XXXX XXXX XXXX XXXX XXXX Re : Account/Reference : [ CREDIT XXXX CREDIT CARD ENDING IN XXXX ] DEMAND TO CEASE UNLAWFUL COLLECTION, WITHDRAW LAWSUIT, CORRECT CREDIT REPORTS To Whom It XXXX Concern : This letter is a formal demand that Scott & Associates , P.C . and XXXX XXXX XXXX XXXX XXXX ( collectively you or your ) immediately cease all collection activity with respect to the referenced account, withdraw any pending lawsuit you initiated against me concerning this alleged Credit XXXX account, and correct all inaccurate information you furnished about me to consumer reporting agencies. I make the following allegations and demands based on facts known to me : XXXX. The underlying debt allegedly originated with XXXX XXXX and was paid in full on XX/XX/XXXX. 
XXXX. I informed XXXX XXXX XXXX of the full payment and that I have no contractual relationship with XXXX. 
XXXX. Despite this, XXXX pursued a lawsuit against me ( or otherwise continued collection efforts ) and has reported inaccurate information to credit bureaus, which has harmed my credit. I allege these actions are false, misleading, and unlawful. 
LEGAL BASIS ( select, non-exhaustive ) Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Relevant provisions include : 15 U.S.C. 1692e ( prohibiting false, deceptive, or misleading representations, including false representation of the status of a debt ). 
15 U.S.C. 1692e ( 2 ) ( false representation of amount or status of a debt ).

15 U.S.C. 1692e ( 8 ) ( prohibiting communicating or threatening to communicate credit information known to be false ).

15 U.S.C. 1692f ( prohibiting unfair or unconscionable collection practices ).

15 U.S.C. 1692g ( debt validation procedures and consumers right to dispute ).

15 U.S.C. 1692k ( civil liability statutory and actual damages, costs, and attorneys fees ). 
Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Relevant provisions include : 15 U.S.C. 1681s-2 ( b ) ( duty of furnishers to investigate and correct inaccurate information once notified of a dispute by a consumer reporting agency ). 
15 U.S.C. 1681i ( procedures for consumer disputes with consumer reporting agencies ).

15 U.S.C. 1681n & 1681o ( civil liability for willful or negligent noncompliance statutory and actual damages, costs, and attorneys fees ). 
FACTS/ CLAIMS XXXX. The debt identified with the above reference was paid in full. I can provide documentary proof on request ( payment receipts, settlement letter, bank statements, credit card statements ) to establish payment in full. 
XXXX. I advised XXXX in writing of payment and that I have no contractual relationship with XXXX. XXXX nevertheless ( a ) continued collection demands, ( b ) reported inaccurate/false information to XXXX or more consumer reporting agencies, and ( c ) initiated ( or threatened to initiate ) a lawsuit based on a purported debt that is paid in full. 
3. Your actions of ( i ) pursuing collection of a paid debt, ( ii ) reporting false information to credit bureaus, and ( iii ) filing or pursuing a lawsuit when you know the debt is paid or without factual basis, constitute violations of the FDCPA ( 15 U.S.C. 1692 et seq. ) and may also constitute violations of the FCRA ( 15 U.S.C. 1681 et seq. ) and other applicable law. In particular, furnishing false credit information and failing to correct it after you were put on notice violates 15 U.S.C. 1681s-2 ( b ). 
DEMANDS Accordingly, I demand that within XXXX ( XXXX ) calendar days of receipt of this letter you : XXXX. Immediately cease all collection efforts related to this account ( including telephone calls, letters, and electronic communications ). ( FDCPA : 15 U.S.C. 1692 et seq. ) XXXX. Immediately withdraw and dismiss with prejudice any lawsuit or pending legal action you have filed against me related to this alleged debt ; send written confirmation to me and to the court that the action was dismissed. ( FDCPA 1692e ; 15 U.S.C. 1692k remedies reserved. ) 3. Immediately correct, update, and/or delete any and all inaccurate statements or tradeline entries you have furnished to any consumer reporting agency regarding this account including but not limited to statements that the account is delinquent, charged-off, in collection, or otherwise unpaid and notify all consumer reporting agencies to which you furnished the inaccurate information that the information was erroneous and has been corrected. ( FCRA : 15 U.S.C. 1681s-2 ( b ). ) 4. Provide me, in writing, within XXXX ( XXXX ) days, the following : a. A full written explanation of the factual and legal basis for any collection demand or lawsuit you pursued ; b. Copies of any documents or contracts you claim establish your legal right to collect from me or the chain of assignment/ownership of the alleged debt ; and c. Confirmation that you have corrected all credit reporting and that you have withdrawn/dismissed any lawsuit. 
XXXX. Preserve all records, call logs, notes, emails, assignments, and communications relating to this account and any decision to report negative information or file suit, as this evidence will be necessary should I pursue legal remedies. 
NOTICE OF INTENT TO SUE If you fail to comply with the demands above within XXXX ( XXXX ) days, I will consider all available legal remedies, including : Filing suit under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692k ) to recover statutory and actual damages, costs, and attorneys fees ; Filing suit under the Fair Credit Reporting Act ( 15 U.S.C. 1681n, 1681o ) for willful or negligent furnishing of inaccurate information ; Seeking other relief available under state law ( including tort claims for defamation and any injunctive relief necessary to correct my credit and reputation ). 
This letter is not exhaustive of my rights and claims, and I reserve all rights and remedies under federal, state, or common law. 
REQUEST FOR ACKNOWLEDGMENT Please provide written acknowledgement of receipt of this letter and confirmation you will comply with the demands above to the address shown at the top of this letter within XXXX ( XXXX ) days. 
Preserve all records and communications relating to this matter. If you have questions, direct them in writing to me at the above address. Do not contact me by phone regarding collection. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation