Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LJ Ross Associates
State: IN

Complaint narrative:
I am filing this complain because my credit report contains multiple inaccurate and unverifiable accounts that are the result of identity theft and/or improper reporting. These accounts include collections and charge-offs that I did not authorize, initiate, or benefit from. 

In accordance with the Fair Credit Reporting Act ( FCRA ), Section 605 [ 15 U.S. Code 1681c ] consumer reporting agencies are prohibited from including outdated negative information, including accounts that are : More than seven ( 7 ) years from the date of first delinquency.

Unverifiable or inaccuracy reported by furnishers and collectors. 

Furthermore, under FCRA Section 611 [ 15 U.S. Code 1681I ], I have the right to dispute any item on my credit report that I believe to be inaccurate or incomplete. If the reporting party can not provide verifiable documentation, such as a contract with my signature or proof of a valid business relationship, the item must be deleted.

Under FCRA Section 605B, I have the right to block information resulting from identity theft. I have provided the necessary documentation to support my claims. Despite this, the accounts in question remain on my credit report, which is a violation of my rights as a consumer.

I have attempted to resolve this matter directly with the credit bureaus and collection agencies by requesting validation under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S. Code 1692g ). They failed to provide the require documentations, not once but three ( 3 ) times including : A copy of the original contract with my signature. 
Proof of the alleged debt and the legal right to collect it. 

Because the information can not be verified and is a result of identity theft and/or outdated negative reporting, I am requesting that these accounts be permanently deleted from my credit file. 

I am asking the Consumer Financial Protection Bureau to intervene and hold these agencies and furnishers accountable for their failure to follow federal law. My credit profile should reflect only accurate, verifiable, and lawfully reported information. 

XXXX XXXX XXXX {$12000.00}, 1st dispute XX/XX/XXXX, 2nd dispute XX/XX/XXXX, requested validation/method of verification ( including wet signature contract and person who verified the information ) XXXX XXXX {$510.00}, 1st dispute XX/XX/XXXX, 2nd dispute XX/XX/XXXX, requested validation/method of verification ( including wet signature contract and person who verified the information ) XXXX XXXX XXXX {$520.00}, XXXX XXXX XX/XX/XXXX, XXXX dispute XX/XX/XXXX, requested validation/method of verification ( including wet signature contract and person who verified the information ) XXXXXXXX XXXX XXXX {$1100.00}, 1st dispute XX/XX/XXXX, 2nd dispute XX/XX/XXXX, requested validation/method of verification ( including wet signature contract and person who verified the information ) Thank you for your time and assistance.

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