Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Mobile : XXXX Date : XX/XX/XXXX To : LJ Ross Associates , Inc . 
XXXX XXXX XXXX XXXX, MI XXXX Re : Formal Demand for Validation and Removal of Alleged Debt Account # XXXX Amount : {$1200.00} To Whom It May Concern, This letter serves as a formal dispute and demand for validation regarding the above-referenced collection account currently being reported on my credit report. I do not acknowledge or accept this debt, and I am demanding complete, verifiable proof that your company has the legal right to collect or report this account.

This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

You are not permitted to assume this debt is valid or continue ANY collection or credit-reporting activity until all documentation requested below has been provided.

Required Documentation You must provide the following for this account : The original signed contract or agreement bearing my signature that legally binds me to this alleged debt.

A complete chain of title or assignment, showing every transfer, sale, or assignment of the debt from the original creditor to LJ Ross, with all signatures, dates, and documents included.

Proof of ownership or assignment, including the bill of sale showing that LJ Ross legally owns or has been assigned this account.

A complete and itemized accounting showing exactly how the balance of {$1200.00} was calculated, including principal, interest, fees, and all transaction history.

The full name, address, and contact information of the original creditor, including the dates the account was opened, defaulted, and charged off.

Copies of all billing statements, notices, letters, or communications you claim were sent to me, including proof of mailing or delivery.

Proof of your license and authorization to collect debts in Illinois, including license number and bonding information.

The name, title, and contact information of the individual who verified this account with any credit bureau or during any previous investigation.

Legal Notice A billing statement, generic printout, or internal record is NOT proper debt validation under federal law.

Providing such materials as proof is a willful violation of : FDCPA 809 ( b ) ( failure to validate before collecting ) FCRA 611 ( a ) ( failure to furnish accurate, verifiable information ) Required Actions if You Can not Validate If you can not provide complete validation within 30 days, you are legally required to : Delete this collection account from ALL credit bureaus ; Cease all collection activity immediately ; and Send written confirmation that this account has been permanently removed.

Failure to Comply If you continue reporting or attempting to collect this unvalidated debt, I will file complaints with the : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Illinois Attorney Generals Office I also reserve the right to pursue civil damages under 15 U.S.C. 1681n, 1681o, and 1692k for willful and negligent violations.

This is not a request for an explanation it is a demand for full, verifiable proof.

If you can not provide it, delete the account immediately. 

XXXX XXXX

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