Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: CA

Complaint narrative:
I am filing this complaint against L J Ross Associates , Inc. for continued reporting and collection activity regarding an alleged XXXX XXXX XXXX collection account in the amount of {$170.00} ( Account # XXXX ) that is being reported to XXXX XXXX XXXX 

I have formally disputed and requested validation of this debt pursuant to 15 U.S.C. 1692g ( b ) under the Fair Debt Collection Practices Act ( FDCPA ). Despite this request, L J Ross Associates , Inc. has failed to provide any competent evidence establishing my legal obligation for this alleged debt. 

Specifically, the company has not provided : Any bill of sale or assignment showing transfer of collection rights from XXXX XXXX XXXX to L J Ross Associates A breakdown or itemization explaining how the alleged {$170.00} balance was calculated A copy of the original agreement or contract bearing my signature Proof that L J Ross Associates is legally authorized to collect or report this debt to XXXX XXXX XXXX Despite the absence of proper validation, L J Ross Associates , Inc. continues to report this account as a valid collection to consumer reporting agencies, constituting continued collection activity and communication of disputed debt information to third parties. 

Violations FDCPA 1692g ( b ) L J Ross Associates has engaged in collection and credit reporting activity without first validating the alleged debt. Upon receipt of a validation request, all collection activity including credit reporting must cease until verification is provided.

FDCPA 1692e ( 8 ) By furnishing disputed and unverified debt information to XXXX XXXX XXXX L J Ross Associates is making false and misleading representations regarding the character, amount, and legal status of the alleged debt.

FDCPA 1692c ( c ) Refusal to Pay/ Cease & Desist I have formally refused to pay this alleged debt and demanded that all communication and collection activity cease. Credit reporting itself constitutes collection activity, as held in : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Accordingly, L J Ross Associates continued reporting to XXXX XXXX XXXX  after receipt of my cease-and-desist notice constitutes a direct violation of FDCPA 1692c ( c ).

FCRA 623 ( a ) ( 1 ) ( A ) & 623 ( b ) As a data furnisher, L J Ross Associates has a duty to ensure the accuracy and completeness of information reported and to conduct a reasonable investigation upon notice of a dispute. Continuing to report an unvalidated and disputed collection account violates these provisions. 

Refusal to Pay and Cease & Desist Notice I hereby refuse to pay this alleged debt and demand that L J Ross Associates , Inc. immediately cease all collection activity, including but not limited to : Credit reporting Furnishing updates to any consumer reporting agency Communicating debt information to third parties Under FDCPA 1692c ( c ) and controlling case law, any further attempts to report, collect, or communicate regarding this alleged debt will be treated as knowing and willful violations of federal law.

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