Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: PA

Complaint narrative:
I XXXX XXXX have been a victim of LJ Ross trying to extort money out of me through illegal debt collection practices for a debt that I don't even owe. They have not provided me with proof of how this debt is mine pertaining to my signature on documentation with them as the original creditor and what services and or products was rendered to me to allot to this amount of {$2000.00}. Therefore, due to these illegal activites a furnishing a collection account to my XXXX  & XXXX consumer credit report ( s ) I am reaching out to the cfpb to notify them of the fraud that is occuring. Additionally, I would like the cfpb to have a record on file prior to me filing a suit aganist them if they don't comply with this cease & desist. 

Demand to Cease and Desist Collection Activities Prior to Validation of Purported Debt This constitutes legal notice under federal law that regulates the activities of collection agencies and their representatives. 
You are hereby notified, under provisions of Public Law 95-109, Section 805-C, THE FAIR DEBT COLLECTION PRACTICES ACT to hereby CEASE AND DESIST in any and all attempts to collect the above debt.

Pursuant to the Fair Debt Collection Practices Act. 15 U.S.C.A 1601.1692 et al. this constitutes timely written notice that, I decline to pay the attached erroneous purported debt which is unsigned and unattested, and which I discharge and cancel in its entirety, without dishonor, on the grounds of false representation and fraud. No judgment has been entered on this matter.

15 U.S.C. 1692 ( e ) states that a " false, deceptive, and misleading representation, in connection with the collection of any debt, '' includes the false representation of the character or legal status of any debt. I have incurred no liability for this debt.

Said Notice contains, false, deceptive and misleading representations, and allegations intended to pervert the truth for the purpose of inducing me, in reliance upon such, to part with property belonging to me and to surrender certain substantive legal and constitutional rights. To act upon this Notice would divest me of my property and my prerogative rights, resulting in a legal injury to me.

Pursuant to 15 U.S.C. 1692g ( 4 ), Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that I owe this alleged disputed debt, this is a demand that, within 30 days, you provide such validation and supporting evidence to substantiate your claim. 
Until the requirements of the Fair Debt Collection Practices Act have been met and your claim is validated, you have no jurisdiction to continue any collection activities against me in this matter. This is constructive notice that, absent the validation of your claim within 30 days, you must cease and desist any and all collection activity and are prohibited from contacting me, through the mail, by telephone, in person, at my home, or at my work. Your failure to do so will result in charges being filed against you with the State and Federal regulatory agencies empowered with enforcement. You are further prohibited from contacting, my employer, my bank ( s ), or any other third party. Each and every attempted contact, in violation of this Act, will constitute harassment and defamation of character, will subject your agency and/or board, and any and all agents in his/her/their individual capacities, to a liability for such damages and a further liability for legal fees to be paid to any counsel which I may retain. Further, absent such validation of your claim, you are prohibited from filing any notice of lien and/or levy and are also barred from any further legal action and from reporting any derogatory credit information to any Credit Reporting Agency , regarding this disputed purported debt.

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