Consumer complaint received 2025-07-17 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: MD

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, D.C. XXXX Subject : Formal Dispute and Request for Removal of Fraudulent Collection Due to Identity Theft Dear Sir or Madam, I am writing to formally dispute the presence of fraudulent information appearing on my credit report caused by identity theft. The unauthorized activity detailed below does not reflect any transactions, accounts, or benefits to me and constitutes a clear case of identity theft. I have reported this matter to the Federal Trade Commission ( FTC ) ( FTC REPORT # : XXXX ) and to the XXXX XXXX Police Department ( Police Report # XXXX ). I request the immediate removal and blocking of all fraudulent and unverifiable data in accordance with my rights under the Fair and Accurate Credit Transactions Act ( FACTA ), 15 U.S.C. 1681c-2, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Legal Basis for Dispute and Obligations of Credit Reporting Agencies Under Section 605B of the FCRA, credit reporting agencies are required to block fraudulent information within four business days of receipt of a valid police report. The Federal Trade Commission ( FTC ) has reaffirmed this obligation. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court emphasized that agencies must act swiftly to correct inaccuracies once proper documentation is provided, highlighting their statutory duty to prevent consumer harm. 
Furthermore, the Supreme Court in XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), clarified that consumers have standing to challenge inaccurate reporting that causes tangible harm, underscoring the importance of accurate data and diligent investigation by credit bureaus. 


Supporting Case Law and Enforcement Actions- IXXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court held that failure to investigate and rectify inaccurate reporting violates the FCRA , leading to damages for consumers harmed by such conduct. 
- In XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, the court reaffirmed that credit bureaus have a duty to conduct reasonable reinvestigations and are liable when they fail to do so, citing the " reasonableness '' standard under 15 U.S.C. 1681i. 
- The CFPBs recent enforcement actions, including the XX/XX/XXXXXXXX  lawsuit against XXXX for inadequate investigations ( see CFPB v. XXXX, XXXX. XXXX ), highlight ongoing efforts to ensure compliance with FCRA investigation XXXX. 

Legal Violations and Consumer Protections The Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028, criminalizes unauthorized use of identifying information. The FCRAs provisions also protect consumers from ongoing harm caused by such violations. Additionally, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, affirms my right to dispute and seek correction of fraudulent accounts or debt collection activities related to identity theft.

Demand for Action : Therefore, I respectfully request that you : 1. Conduct a thorough reinvestigation of all disputed items, consistent with 15 U.S.C. 1681i ( a ) ( 1 ) - ( 2 ).

2. Provide all documentation used to verify the accuracy of the disputed information, including third-party verification procedures.

3. Immediately delete or block all fraudulent data that can not be verified, as mandated under 15 U.S.C. 1681i ( a ) ( 5 ). 

Please be advised that failure to comply with these statutory obligations may result in legal action, including claims for statutory damages, punitive damages, and attorneys fees under 15 U.S.C. 1681n and 1681o.

Specifically, I dispute the following fraudulent contact numbers and accounts : Contact Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Account/Collection : - LJ ROSS XXXX  XXXX XXXX I have already reported this matter to the FTC ( FTC REPORT XXXX : XXXX ) and the XXXX XXXX Police Department XXXX Police Report # XXXX ). I request that all such fraudulent information be removed promptly from my credit file. 

Thank you for your prompt attention to this urgent matter. Please confirm receipt of this dispute and inform me of the actions taken.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation