Consumer complaint received 2025-05-07 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:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX LJ Ross Associates XXXX. XXXX XXXX XXXX, MI XXXX Re : Formal Dispute of Alleged XXXX XXXX XXXX Account Cease and Desist Notice To Whom It May Concern : I am writing to formally dispute the validity of an alleged debt your office claims to be collecting on behalf of XXXX XXXX. You are hereby notified that, under my rights as a consumer, I do not recognize this debt and have not received any documentation validating your authority to collect or verify the amount allegedly owed. 

Applicable Law and Violations : 1. FDCPA 1692g ( b ) Debt Validation : You are required to cease all collection efforts until you provide full debt validation. To date, no original contract, account statements, or assignment of debt have been furnished. Any further collection activity without validation constitutes a willful violation of the FDCPA.

2. FCRA 1681s-2 ( a ) Reporting Accuracy : If you are furnishing this information to consumer reporting agencies, you are required to ensure that the data is accurate and verifiable. Reporting unverifiable or disputed information is a violation of the FCRA and subjects you to liability under 1681n and 1681o.

3. TILA Absence of Consumer Credit Agreement : You have failed to provide any agreement that establishes credit terms, APR disclosures, or contractual consent as required under 15 U.S.C. 1601 et seq. The absence of such documentation renders any claim unenforceable under TILA and Regulation Z.

4. UCC 3-501 and 9-210 Proof of Claim and Assignment : Under the Uniform Commercial Code, a party asserting a financial claim must produce the original obligation or assignment thereof. You have failed to demonstrate standing or authority to collect on this alleged XXXX XXXX account, making any demand for payment legally defective. 

Formal Demand : I hereby demand that you : Cease and desist all collection activity immediately pursuant to FDCPA 805 ( c ) ; Provide full validation of the alleged debt, including the original agreement bearing my signature, itemized charges, and documentation showing legal assignment or sale from XXXX XXXX to your agency ; Cease all reporting of this alleged debt to any consumer reporting agency until your validation responsibilities have been fully met ; Provide a written statement of withdrawal of any credit reporting entries made during the disputed period, if no documentation is produced within 15 days.

Failure to comply will result in formal complaints filed with the Michigan Attorney General, Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ). I also reserve the right to pursue civil remedies under 15 U.S.C. 1692k, FCRA 1681n, and MCL 445.911.

This letter serves as your legal notice under the above statutes. Please govern yourselves accordingly. 

Sincerely, XXXX XXXX Would you like a printable version or a version ready to upload to the CFPB complaint system as well? Here is a formal debt dispute and cease collection letter directed at LJ Ross Associates, regarding an alleged collection account from XXXX XXXX, invoking your rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), and the Uniform Commercial Code ( UCC ) : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX [ Insert Date ] LJ Ross Associates XXXX. XXXX XXXX XXXX, MI XXXX Re : Formal Dispute of Alleged XXXX XXXX XXXX Account Cease and Desist Notice To Whom It May Concern : I am writing to formally dispute the validity of an alleged debt your office claims to be collecting on behalf of XXXX XXXX. You are hereby notified that, under my rights as a consumer, I do not recognize this debt and have not received any documentation validating your authority to collect or verify the amount allegedly owed. 

Applicable Law and Violations : 1. FDCPA 1692g ( b ) Debt Validation : You are required to cease all collection efforts until you provide full debt validation. To date, no original contract, account statements, or assignment of debt have been furnished. Any further collection activity without validation constitutes a willful violation of the FDCPA.

2. FCRA 1681s-2 ( a ) Reporting Accuracy : If you are furnishing this information to consumer reporting agencies, you are required to ensure that the data is accurate and verifiable. Reporting unverifiable or disputed information is a violation of the FCRA and subjects you to liability under 1681n and 1681o.

3. TILA Absence of Consumer Credit Agreement : You have failed to provide any agreement that establishes credit terms, APR disclosures, or contractual consent as required under 15 U.S.C. 1601 et seq. The absence of such documentation renders any claim unenforceable under TILA and Regulation Z.

4. UCC 3-501 and 9-210 Proof of Claim and Assignment : Under the Uniform Commercial Code, a party asserting a financial claim must produce the original obligation or assignment thereof. You have failed to demonstrate standing or authority to collect on this alleged XXXX XXXX account, making any demand for payment legally defective. 

Formal Demand : I hereby demand that you : Cease and desist all collection activity immediately pursuant to FDCPA 805 ( c ) ; Provide full validation of the alleged debt, including the original agreement bearing my signature, itemized charges, and documentation showing legal assignment or sale from XXXX XXXX to your agency ; Cease all reporting of this alleged debt to any consumer reporting agency until your validation responsibilities have been fully met ; Provide a written statement of withdrawal of any credit reporting entries made during the disputed period, if no documentation is produced within 15 days.

Failure to comply will result in formal complaints filed with the Michigan Attorney General, Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ). I also reserve the right to pursue civil remedies under 15 U.S.C. 1692k, FCRA 1681n, and MCL 445.911. 

This letter serves as your legal notice under the above statutes. Please govern yourselves accordingly. 

Sincerely, XXXX XXXX

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