Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Law Office of Michael J. Scott, PC
State: AL

Complaint narrative:
Re : Violation of Fair Credit Reporting Act ( FCRA ) by Scott & Associates , P.C . c/o XXXX XXXX XXXX XXXX This company and other third party entities associated with them have violated my rights by sending my social security number to an unknown third - party, despite having a correct point of contact in their records. The most recent incident was a court appearance in XX/XX/XXXX, I disputed all information with their attorney in addition advised this is a direct violation of my rights. Their willingness to knowingly submit inaccurate consumer data is frightening. Their office knowingly submitted incorrect data to the credit bureaus and consumer reporting agencies as accurate, despite being told it is not correct. They have reported an unknown address to credit bureaus as it is now reflecting on my credit report. Their office had my correct address on file, in court I told the judge and their attorney the address was not correct, and they still reported it. Such a horrendous act of an attorney 's office. This office is in direct violation related to submitting my social security number to an unrelated and unknown third - party by not only sending court documents to an address that I have never been associated with in my entire life, this court document is dated XX/XX/XXXX but also including the last four ( 4 ) digits of my social security number. There was a letter sent to the judge in XX/XX/XXXX, informing the court of the violations. It is unfortunate a company operates in such a fraudulent manner to collect alleged debts, however it is my sincerest desire that not only this matter be resolved to my satisfaction, but all information submitted by this company including any of their other entities, be removed, as it is my right to only have true, correct and accurate information sent to credit bureaus and consumer reporting agencies. This is an alleged debt that I am disputing, I do not claim this alleged debt. This companys blatant attempt to damage my credit report, defame my name and/or character, utilize harassment tactics and ultimately create an avenue that now opens me to identity theft and fraudulent activities should not go unnoticed or continue without remedy. This company not only had my correct home address on file, but they decided to send a Process of Garnishment document by a process server, which included the last four ( 4 ) digits of my social security number to an address that I do not recognize, is not listed as a point of contact for me, never been associated with me in my entire life. I have resided at the same address for over 10 years. To clarify, my social security number was sent to an unknown address /third party. The details to support my claim will be submitted for review and I hope this issue can be resolved to my satisfaction by deleting all information immediately. Please note due to the nature of this complaint and complicities of this matter, I do not want any contact from the companies named outside of written communication. Their common practices can not be trusted therefore, I require everything communicated to me be done so by written communication only. I wish to not be contacted by phone.

Company response to consumer: Closed with explanation