Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LJ Ross Associates
State: IL

Complaint narrative:
Re : Formal Dispute, Demand for Deletion, and Legal Notice L.J. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account To Whom It May Concern, I am writing to formally dispute the accuracy, completeness, and validity of the account reported by XXXX. XXXX XXXX, original creditor XXXX XXXX, XXXX XXXX XXXX XXXX, on my Equifax credit file. The account contains numerous discrepancies that render it unverifiable, violating the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C.1692 ), and XXXX XXXX / e-OSCAR reporting standards. 



XXXX. Reporting Discrepancies Across XXXX : Account Opening Date : XX/XX/XXXX consistent across all bureaus. 
Balance Update Dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
Account XXXX and XXXX : XXXX XXXX  XXXX account, collection status from XX/XX/XXXX XX/XX/XXXX ( monthly reporting ). 
XXXX XXXX Open account, status unpaid, no payment history. 
XXXX  : XXXX XXXXcount, status : no data, comments : Place for Collection, no payment history. 

Contact Information : XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX, phone XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, phone XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, phone XXXX These discrepancies demonstrate XXXX XXXX non-compliance, as reporting codes and contact information are inconsistent and do not accurately reflect the account status or verification. 




XXXX. FDCPA Violations : Providing conflicting contact information, account types, and statuses constitutes false representation of a debt in violation of FDCPA 807 ( 8 ). 
Failing to verify and report the debt accurately violates FDCPA 809 ( b ), making the reporting misleading and deceptive. 




XXXX. FCRA Violations and XXXX Coding : Inaccurate and unverifiable reporting violates FCRA 1681s-2 ( b ) and 1681i ( a ). 
e-OSCAR submissions must reflect accurate account types, statuses, payment histories, and contact information. The inconsistencies demonstrate noncompliance with e-OSCAR verification procedures. 
Because the information can not be validated as accurate, this account must be deleted from my Equifax credit file. 




XXXX. Demand for Documentation and Deletion : I demand proper verification of this account from Equifax excluding billing statements, including : Contract with wet signature proving my legal responsibility. 
Assignment/transfer documents from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX L.J. Ross Association.

Proof of ownership by L.J. Ross Association.

L.J. Ross Associations collection license and license number in XXXX. 

If proper verification can not be provided, I demand an immediate cease and desist of all collection activity and deletion of this account from all credit reports. 




XXXX. Legal Considerations : I am prepared to pursue all legal remedies permitted under the FCRA and FDCPA, including attorney fees, damages, and complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and relevant state agencies. 
Reporting an unverifiable account to XXXX XXXX XXXX XXXX is a violation of federal law, and legal action will be taken if the account is not corrected or deleted. 




Please provide written confirmation that this account has been deleted or supply the requested documentation within the legally required timeframe. 



Sincerely, XXXX XXXX

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