Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: IA

Complaint narrative:
This complaint concerns L J Ross & Associates, a third-party debt collection agency, and its reporting and attempted collection of an alleged debt it claims is owed to XXXX XXXX in the amount of {$420.00} ( alleged account ending * XXXX ). 

On XX/XX/XXXX, I attempted to send L J Ross & Associates a written dispute and request for validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). This correspondence was sent via XXXX XXXX XXXX to the address listed on the account and used by L J Ross & Associates for consumer communications : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. 

The United States Postal Service later indicated that the certified letter could not be delivered, despite being sent to the address provided by the collector. I have confirmed that the address used was the same address associated with the tradeline and the collectors public contact information. 

Despite the failed deliverycaused by issues within the collectors controlL J Ross & Associates subsequently reported this alleged debt to consumer reporting agencies on XX/XX/XXXX, without having received or responded to any validation request and without providing any verification or documentation supporting the alleged debt. 

The tradeline reflects the following information : Original Creditor : XXXX XXXX Creditor Classification : XXXX Assigned Date : XX/XX/XXXX Collection Reported : XX/XX/XXXX Amount Reported : {$420.00} Date of First Delinquency : XX/XX/XXXX Last Payment Date : None L J Ross & Associates has provided no documentation whatsoever demonstrating that I owe this alleged debt, that the amount is accurate, or that it has the legal authority to collect or report it. No signed agreement, no itemized billing history, and no assignment or chain of title has been produced. 

Reporting an alleged debt without providing validationparticularly after a consumer makes a documented good-faith attempt to dispute using the address supplied by the collectorconstitutes violations of federal law, including : FDCPA 1692g failure to provide validation of an alleged debt FDCPA 1692e false or misleading representations regarding the legal status or accuracy of an alleged debt FDCPA 1692f unfair or unconscionable collection practices FCRA 623 ( a ) furnishing information to consumer reporting agencies without ensuring accuracy or conducting a reasonable investigation The collectors failure to accept certified mail sent to its listed address, followed by immediate credit reporting of an unvalidated alleged debt, is misleading and unfair to consumers and undermines the dispute rights guaranteed by federal law. 

I am filing this complaint to request CFPB intervention to require L J Ross & Associates to cease all collection activity, delete any credit reporting related to this alleged debt, and provide written confirmation that the account has been closed and will not be sold, reassigned, or re-reported. I further request that the CFPB take any supervisory or enforcement action it deems appropriate to prevent similar conduct in the future.

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