Debt collection -- Took or threatened to take negative or legal action -- Complaint #11801671
Complaint Overview
Complaint ID: 11801671
Company: Law Office Of Michael J. Scott, Pc
Product: Debt collection
Sub-Product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: Texas
ZIP Code: 77093
Date Received: 2025-01-27T12:00:00-05:00
Date Sent to Company: 2025-01-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I reported fraudulent activity on my XXXX XXXX account multiple times, which resulted in an outstanding balance of {$1600.00}. Despite my efforts, XXXX XXXX disregarded my claims and subsequently hired Scott & Associates PC to collect the debt. To avoid any derogatory remarks on my credit report for an issue that was not my fault, I agreed to pay {$900.00} as part of a settlement agreement. Under this agreement, Scott & Associates PC assured me that the accunt would be marked as settled and that no information about the account would be reported to any credit reporting agency. However, in breach of this agreement, the negative account was still reported to the credit reporting agencies, XXXX, XXXX, and XXXX. When I contacted Scott & Associates PC about this issue, I was referred back to XXXX XXXXXXXX. Upon contacting XXXX XXXX, they redirected me back to Scott & Associates PC. Both companies have failed to take responsibility or resolve this matter, leaving me without recourse and with unwarranted damage to my credit report.
Frequently Asked Questions
What is Complaint #11801671 about?
Complaint #11801671 was filed against Law Office Of Michael J. Scott, Pc regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2025-01-27T12:00:00-05:00.
How did Law Office Of Michael J. Scott, Pc respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Law Office Of Michael J. Scott, Pc?
Yes, visit the Law Office Of Michael J. Scott, Pc company profile at readthecomplaint.com/company/law-office-of-michael-j-scott-pc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.