Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am submitting this formal statement to file a complaint and request immediate intervention regarding XXXX accounts that are currently damaging my consumer credit profile. I am so tired of going through having my financial situation keep being jeopardized by XXXX  and XXXX  data breaches plus my stolen identity I see address that dont belong to me never please see attached documents I WANT ALL THESE LATE PAYMENTS AND FRAUDULENT AND CLOSED ACCOUNTS FROM MY REPORT IMMEDIATELY THIS AGAINST THE LAW TO HAVE XXXX  XXXX XXXX, AND XXXX  AND THESE COMPANIES TO HAND MY INFORMATION ALL AROUND THE WORLD WITHOUT MY CONSENT XXXX Account ( Account Number : XXXX ) : This account is closed and should no longer be reporting on my credit file. Its continued presence is misleading, derogatory, and a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2 which mandates accurate and complete information from data furnishers. I am demanding this account be removed from all three major credit bureaus XXXX, XXXX, and XXXX  immediately. 

XXXX XXXX XXXX / XXXX XXXX ( XXXX  Account Number : XXXX ) This collection account was created and reported without my knowledge, consent, or authorization. XXXX XXXX XXXX began reporting a collection related to XXXX XXXX without validating the debt or notifying me. I only found out about it once it appeared on my credit report. This is a violation of both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), which require proper validation and communication before reporting. 

I am requesting that the Consumer Financial Protection Bureau urgently investigate these accounts and require XXXX  and XXXX XXXX XXXX to cease and desist from any further reporting or collection activity. These accounts are inaccurate, unfair, and have caused significant hardship for me and my family in seeking credit, housing, and transportation. 

Please accept this as my official personal statement and complaint. I respectfully request the deletion of both accounts and enforcement of my rights under federal consumer protection This is my fifth time submitting complaints to have false, inaccurate, or fraudulent items removed from my credit reports. I am respectfully asking the Consumer Financial Protection Bureau ( CFPB ) to take immediate and permanent action against these companies who continue to violate my rights. 

These accounts and inquiries are hurting me financially and causing unnecessary stress. I am asking the CFPB to instruct these furnishers and collectors to permanently stop reporting any negative, fraudulent, or inaccurate information on my consumer report. 

It is not fair that I must continue to dispute and defend myself over the same issues. I have the right to an accurate, fair, and secure credit profile under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Please help me bring this to a final resolution and stop these companies from further damaging my

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