Consumer complaint received 2023-09-23
Company: LJ Ross Associates
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Please remove XXXX XXXX XXXX XXXX from my credit report Dear Collector : My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature and documentation shows i gave you permission to have my information and paperwork showing i gave you authorization to report this to my credit report. No consent to you having my information and unathorized use of my social security number is identity theft and you will be reported for such.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.

6. ( The purchase agreement ) 7. ( Swear under penalty of perjury you were present during the alleged debt ) 8. ( Demand You provide Chain of Custody for account to ensure the financing and hand to hand transfers is correct ) 9. ( Master Bill Of Sale ) ****** Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.Also you have commited the following FDCPA Violations : 15 U.S. Code? 1692d-Harassment and abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. You harming my reputation which is a violation.

15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in the collection of this alleged debt.

Under 15 U.S. Code 1692k - Civil liability I Demand XXXX dollars for each violation as you have caused severe damage to my character. ( a ) Amount of damagesExcept as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.

Stop contacting me about this or any other matter you have. cease and desist ASAP and delete this account from my credit reports, except to provide me with accurate validation of this debt by U.S. mail only.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have.

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficent validation response and this item must be removed immediately or i will seek litigation for Monetary damages along with the violations you alrerady committed.

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