Consumer complaint received 2023-12-07
Company: LJ Ross Associates
State: MD
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

Complaint:
I am writing to lodge a formal complaint against LJ ROSS ( Original Creditor : XXXX XXXX ) concerning their handling of my credit account ( Account # : XXXX ). This complaint pertains to serious violations of my consumer rights and non-compliance with the Fair Credit Reporting Act ( FCRA ). 

Background of the Issue : Account and Reporting Details : The account in question was opened on XX/XX/XXXX, and is categorized as a collection account. Despite being paid, it has been reported with a status of " Collection/Chargeoff '' as of the last report on XX/XX/XXXX. 
Disputed Information : It has been noted in the account comments that the information was disputed by the consumer and meets FCRA requirements. However, the adverse reporting remains unresolved. 
Key Concerns : Violation of FCRA Standards : The FCRA mandates accurate and fair reporting of credit information. The reporting of this account as a collection/chargeoff post-payment is inaccurate and misleading, negatively impacting my credit report and score. 
Failure to Update Personal Information : I had proactively informed LJ ROSS of my change of address following a significant incident of mail theft. This notification was provided in a timely manner, with the expectation of ensuring the security and accuracy of communication related to my account. Despite this notification, LJ ROSS failed to update this critical personal information in their records. This neglect resulted in several adverse consequences : Misdirected Communications, Uninformed Financial Decisions, and Increased Vulnerability to Fraud. The resultant misreporting as a collection/chargeoff in my credit report is a direct outcome of LJ ROSS 's failure to act on my updated information. 
Obligation to Provide Proof of Verification by Collection Agency : Mandated Verification Process : In compliance with the Fair Debt Collection Practices Act ( FDCPA ), specifically under Section 809 ( Validation of debts ) [ 15 USC 1692g ], LJ ROSS is required to provide detailed verification of the debt. This includes original creditor documentation, authority to collect, and account accuracy confirmation. 
Definition and Relevance of Identity Theft : Identity Theft Concerns : The failure to update my personal information has led to circumstances that parallel identity theft. This negligence has facilitated financial decisions and activities under my name without my consent. 
Emotional and Psychological Impact : Personal Crisis Beyond Financial Harm : This situation has caused immense emotional and psychological distress. The realization that my personal information has been mishandled in a way that aligns with identity theft has led to significant anxiety and uncertainty. 
Demand for Justice and Corrective Measures : Urgent Need for Action : I implore LJ ROSS to rectify this situation immediately, including correcting the inaccurate information on my credit report. 
Call for Legal Compliance and Protection : I urge the relevant authorities to investigate this matter in the context of identity theft and FCRA violations. 
I await your prompt attention to this serious matter and look forward to a just resolution.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation