Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: IL

Complaint narrative:
I recently reviewed my credit report to find that there was an unknown collection account being reported. I immediately sent the letter below and the collection company has since ignored me, continued to contact me, continued the reporting of this alleged debt. 

TO : L J ROSS ASSOCIATES XXXX XXXX XXXX XXXXXXXX, MI XXXX Phone : ( XXXX ) XXXX RE : CEASE & DESIST NOTICE Under FDCPA 805 ( c ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Claimed Balance : {$900.00} Date Reported/Open : XX/XX/XXXX To Whom It May Concern : This letter serves as my formal CEASE & DESIST notice regarding the above-referenced account that your company claims to be collecting. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am invoking my federal right to demand that all communication from your office cease immediately, including but not limited to : Phone calls Voicemails Text messages Emails Letters Contacting my relatives, workplace, or neighbors Any third-party disclosure Any attempt to contact me through automated systems or skip-trace activities I do not authorize any further communication regarding this alleged account.

Under 15 U.S.C. 1692c ( c ), once you receive this notice : You must cease all collection attempts except to notify me of one of the following : That you are terminating collection efforts ; That you may invoke specified legal remedies ; or That you intend to invoke specified legal remedies.

Any other attempt to contact me especially after receiving this letter will constitute a willful violation of federal law. 
This letter serves as a statutory cease and desist, a request for debt validation, and a demand for deletion from all credit reporting agencies under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I demand you cease and desist all collection activity and delete this account from every credit reporting agency immediately. 
1. No Proof, No Right Under 15 U.S.C. 1692g ( FDCPA ), you must give me proper validation of alleged debt. That mean original contract with my wet-ink signature, full account history, and chain of title from original creditor. You can not just say I own this alleged debt without showing lawful proof.

No contract= No obligation. 
No original record= No right to collect. 
No proof you even have legal assignment= No standing. 
Without this, reporting is false, misleading, and abusive in violation of 1692e ( false representation ) and 1692f ( unfair practices ).

2. Unlawful Reporting Violates the FCRA By putting this on my credit report without proof, you violate : FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) : You must ensure maximum possible accuracy. Reporting an alleged debt with no proof is not accurate and fails this requirement. 
FCRA 611, 15 U.S.C. 1681i : When a consumer disputes, the furnisher must investigate. A parroting verification is not enough. Courts have held that parroting a prior response does not meet this standard ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) ). 
FCRA 623, 15 U.S.C. 1681s-2 : As a furnisher, you can not report information you know ( or should know ) is inaccurate.

Unless you can substantiate your claim with lawful evidence, you are furnishing false and defamatory information to the credit reporting agencies. 
3. Cease Communication & Delete Immediately Under FDCPA 805 ( c ), 15 U.S.C. 1692c ( c ), I am demanding you stop all contact with me except to confirm deletion or legal action. Any further attempts to contact me for collection purposes will be documented as harassment. Under FCRA 623 ( b ) ( 1 ), you must investigate and delete unverifiable or inaccurate data within 30 days.

4. Legal Consequences if You Fail If you do not delete this account and stop collection : I will pursue damages under FDCPA 813, 15 U.S.C. 1692k and FCRA 616617, 15 U.S.C. 1681no, including actual, statutory, and punitive damages plus attorneys fees.

I will sue for defamation, invasion of privacy, and negligent enablement of identity theft as your continued reporting of unverified data is reckless and harmful. 


You are playing with my name and my life, and I will not allow it. 
My Demand Delete the account immediately from XXXX, XXXX, and XXXX. 
Send me written confirmation within 15 days. 
Provide full documentation proving you own this alleged debt and that my wet signature is on contract, or admit you have none. 
Continuing to report or attempt to collect without lawful validation is a violation of federal law and will not be tolerated. This letter serve as final warning. Comply with law, or prepare for court. 

Sincerely, XXXX XXXX XXXX

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