Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #15051057
Complaint Overview
Complaint ID: 15051057
Company: Law Office Of Michael J. Scott, Pc
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: California
ZIP Code: 95758
Date Received: 2025-08-01T12:00:00-05:00
Date Sent to Company: 2025-08-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Date : XX/XX/year> Consumer Name : XXXX XXXX XXXX Creditor/Collector : Scotts and AssociatesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Original Creditor XXXX XXXX XXXX XXXX Depositor , Acc Manager NOT owner per SEC filings ) Subject : Violations of Cease and Desist request, Lack of Debt Ownership and Legal Standing. Complaint Summary : I am submitting this complaint to contest the legal validity, chain of title, and ownership of a charged-off credit card debt allegedly owned by XXXX XXXX XXXX XXXX XXXX, and/or its affiliated entity XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is with XXXX XXXX and has been the subject of collection efforts based on alleged assignments and sale agreements that do not appear valid under applicable consumer protection laws.
Frequently Asked Questions
What is Complaint #15051057 about?
Complaint #15051057 was filed against Law Office Of Michael J. Scott, Pc regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-08-01T12:00:00-05:00.
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 (Credit reporting or other personal consumer reports) 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.