Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LJ Ross Associates
State: FL

Complaint narrative:
L J ROSS ASSOCIATES IN is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681 a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( L J ROSS ASSOCIATES IN ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( L J ROSS ASSOCIATES IN ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agencies ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. L J ROSS ASSOCIATES IN can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screen shot from the IRS website. By definition, the IRS clearly says a cancelled debt or charge off is income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from L J ROSS ASSOCIATES IN for the cancelled debt of { { {$70.00} } } in order to file as ordinary income. Where is my 1099-C L J ROSS ASSOCIATES IN is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$70.00} }. This is unsatisfactory! L J ROSS ASSOCIATES IN has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In L J ROSS ASSOCIATES IN terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and XXXX is not affiliate of L J ROSS ASSOCIATES IN nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in Federal Law. I have the right to privacy and per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization. I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have written, non written, verbal and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681 s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, in accurate. L J ROSS ASSOCIATES IN must also refund the remaining balance of the consumer account upon its termination. This is your 7 day notice to return ALL money due from this consumer account.

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