LJ Ross Associates

On or around XX/XX/year>, I made a direct electronic payment to XXXX XXXX XXXX XXXX XXXX, as reflected in my bank statement showing an XXXX DIRECT DEBIT transaction in the amount of the utility bill. Despite this, L J Ross Associates , Inc. is reporting the account as a collection account paid, closed on my consumer credit reports. I did not make any payment to L J Ross Associates , Inc. at any time. My payment was made directly to the original creditor, XXXX XXXX XXXX XXXX XXXX. I previously attempted to resolve this issue through the credit reporting dispute process. The account was disputed with XXXX, and supporting documentation showing direct payment to the original creditor was submitted. However, the reinvestigation did not address or reconcile this evidence.…

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LJ ROSS is falsely reporting on my credit. I have never had any accounts with them. Per my research LJ ROSS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

NOTICE OF CEASE AND DESIST & DEMAND FOR VALIDATION Date : XX/XX/year> To : XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT. This is a formal notice sent to you pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. I. CEASE AND DESIST ALL CONTACT Pursuant to 15 U.S.C. 1692c, you are hereby commanded to CEASE AND DESIST all communication with me regarding this alleged debt. I do not wish to be contacted by telephone, mail, email, or at my place of employment. II. FORMAL DISPUTE & VALIDATION OF DEBT Under 15 U.S.C. 1692g, I am formally disputing the validity of this alleged debt in its entirety. I demand " Verification of Debt, " which must include : 1. Proof of Claim : An original " wet-ink '' contract bearing my signature as required by UCC 3-308 . 2.…

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XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

I am filing this complaint regarding L J Ross Associates for reporting an inaccurate and unverified collection account on my credit report. This account is being reported as a collection for approximately {$5100.00} on behalf of XXXX XXXX XXXX XXXXXXXX. However, this is the same account that was previously reported, disputed, and removed after it was demonstrated that the balance had been satisfied. The balance for this account was addressed during the sale of my home in XXXX, where funds were paid through XXXX XXXX to resolve outstanding obligations with the original creditor. Despite this, the account has been re-reported with a new balance and under a different collection agency. I disputed this account and requested proper validation.…

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LJ ROSS is falsely reporting on my credit. I have never had any accounts with them. Per my research LJ ROSS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

LJ ROSS is falsely reporting on my credit. I have never had any accounts with them. Per my research LJ ROSS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

LJ Ross Associates is attempting to collect a debt they do not own and have no authority to collect, while simultaneously reporting an inaccurate balance to credit bureaus. Evidence attached : Exhibit A : LJ Ross letter dated XX/XX/year> demanding {$4800.00} Exhibit B : XXXX XXXX XXXX letter dated XX/XX/year> ( XXXX week later ) treating the account as active and offering payment plans directly Exhibit C : XXXX decision dated XX/XX/year> confirming XXXX XXXX XXXX told the XXXX the debt went to " XXXX XXXX XXXX, '' not LJ Ross Exhibit D : My XXXX credit report showing LJ Ross reporting {$4100.00} ( a third different balance ) Timeline of violations : XX/XX/year> : LJ Ross sent collection letter claiming debt is {$4800.00} XX/XX/year> : XXXX XXXX XXXX sent me a letter directlyoffering payment plans, re-enrollment in AutoPay, and listing their customer service number. This proves the account was still active with the original creditor.…

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XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX LJ ROSS & ASSOCIATES Creditor : XXXX Dear LJ ROSS & ASSOCIATES, I am writing in response to your letter regarding the above-referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am formally requesting validation of the alleged debt you claim I owe. In order to comply with federal law, please provide the following documentation : 1. Proof of Ownership : A signed contract or agreement with my signature that verifies I owe this debt to your company or the original creditor. 2. Chain of Custody : Documentation showing the transfer or assignment of the debt from the original creditor to your agency, confirming that you have the legal right to collect this debt. 3.…

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LJ ROSS is falsely reporting on my credit. I have never had any accounts with them. Per my research LJ ROSS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

I received a phone call in XXXX stating that I owed XXXX XXXX XXXX XXXX dollars for an unpaid statement for XXXX months. My account was supposed to be closed on XX/XX/XXXX and the account was paid at that time. XXXXXXXX XXXX XXXX do not close my account and continued to charge me/ a representative called me and stated I should have gotten proof and that its not their problem. A couple days later I received an email from a collection agency.

I am disputing an alleged utility debt related to an address in XXXX, IL. I was in the process of applying for the apartment but never signed a lease, never took possession of the unit, and never moved in. Because I did not complete the lease agreement, I did not authorize or request utility service at this address. Despite this, an account was opened in my name and I am now being held responsible for charges totaling {$190.00}. I have reason to believe another individual currently resides at the property and is using the utilities. I never occupied the residence and did not benefit from or use any services billed. I am requesting full validation of this debt, including proof of authorization, service agreement, and identity verification showing that I personally initiated or agreed to utility service. If such documentation can not be provided, I am requesting that this account be immediately removed and all collection activity cease.

I am filing this complaint against L J Ross Associates , IncXXXX regarding an account they are attempting to collect that does not belong to me. The account is being reported and/or collected as follows : Original Creditor : XXXX ( XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$810.00} I have never opened, authorized, or had any account with XXXX. Additionally, I have never resided in the state of Illinois, where XXXX provides utility services. I have only resided in Indiana. This account is clearly inaccurate and may be the result of identity theft, mixed file, or erroneous reporting. Despite this, L J Ross Associates is attempting to collect this debt and/or report it on my credit file without providing proper validation.…

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LJ Ross & Associates ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, phone XXXX ) is reporting a collection account on my XXXX credit report for {$4300.00} allegedly owed to XXXX XXXX XXXX and XXXX XXXX ( account # # # # # XXXX, date assigned XX/XX/XXXX, date of first delinquency XX/XX/XXXX ). This account is marked " Consumer Disputes Reinvestigation in Progress '' on my credit report as of XX/XX/XXXX. Despite this active dispute status, LJ Ross has not provided debt validation. I am an XXXX consumer and I am requesting : ( 1 ) full validation of this alleged XXXX XXXX utility debt including original account records and billing statements ; ( 2 ) proof that LJ Ross is properly licensed to collect debts in the state of Illinois under the Illinois Collection Agency Act ; ( 3 ) complete chain of ownership documentation from XXXX XXXX to LJ Ross ; ( 4 ) verification that the date of first delinquency is accurately reported as XX/XX/XXXX.…

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I am submitting this complaint regarding inaccurate and improperly reported information on my credit report. I discovered that the following accounts are being reported on my credit file without proper authorization and without required notification : - XX/XX/XXXX( XXXX XXXXXX/XX/XXXX) approximately {$1800.00} - LJ Ross Associates ( collection account related to XX/XX/XXXX ) I am a victim of identity theft and have already filed an official Identity Theft Report with the Federal Trade Commission ( FTC ). These accounts are fraudulent and were not authorized by me. Despite this, these accounts have been placed and/or maintained on my credit report without proper verification and without providing me the required notification under the Fair Credit Reporting Act ( FCRA ). I disputed this account and it was removed. Additionally, I was not notified of the placement or any reinsertion of these accounts on my credit report, which is a violation of FCRA requirements.…

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To Whom It May Concern, I am writing to formally dispute a debt that has been reported under my name in connection with an account allegedly owed to XXXX XXXX XXXX and XXXX XXXX and currently being reported/collected by L J Ross Associates . I do not recognize this account and have no knowledge of any services or obligations associated with it. I no longer reside in the city of XXXX, and I have not authorized any account, service, or charges with XXXX XXXX at any time relevant to this claim. I believe this account is the result of fraudulent activity or identity theft. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following : Full validation of this debt, including : Copies of any signed agreements or applications Service address associated with the account Dates of service and billing statements Proof that I am legally responsible for this debt Immediate suspension of collection activity while this matter is…

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This debt collector has done unjustifiable practices of the FDCPA, which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. They didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations, and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

A collection notice was received on XX/XX/XXXX, from L J Ross Associates , Inc., seeking {$3200.00} for an alleged utility debt originally owed to XXXX XXXX for the billing period of XXXX through XX/XX/XXXX. The notice specified a response deadline of XX/XX/XXXX. A formal written dispute was submitted on XX/XX/XXXX, the deadline specified in the collection notice, stating the debt was not acknowledged and requesting full validation, including meter inspection documentation and raw usage data. On XX/XX/XXXX, L J Ross Associates responded with copies of XXXX billing statements only. No meter inspection reports, no technician credentials, no raw meter read data, and no verification of their legal right to collect were provided. Under the FDCPA, billing statements alone do not constitute adequate debt validation. The underlying billing is demonstrably implausible. The account recorded XXXXXXXX XXXX per day during XXXX and XX/XX/XXXX for a XXXX square foot residential apartment unit.…

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Validation of Debt Request - L J ROSS ASSOCIATES - XXXXXXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I am writing to formally request an investigation into the L J Ross Associates Inc account reporting on my credit file ( Account XX/XX/XXXXXXXX ), with the original creditor listed as XXXX. I have reason to believe this account contains inaccurate, incomplete, or unverifiable information. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. XXXX et seq. ), I am requesting that you conduct a reasonable investigation and verify all information associated with this account, including but not limited to the account balance, payment history, dates of delinquency, and any remarks currently being reported. I also request disclosure of the method of verification used to confirm the accuracy of this account, as outlined under 15 U.S.C. XXXX ( a ) ( XXXX ) ( B ) ( XXXX ). Additionally, under the Fair Debt Collection Practices Act ( 15 U.S.C. XXXX et seq.…

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LJ ROSS is falsely reporting on my credit. I have never had any accounts with them. Per my research LJ ROSS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S CXX/XX/XXXXe XXXX - Disclosure of investigation consumer report ; you are in violation.

LJ ROSS is falsely reporting on my credit. I have never had any accounts with them. Per my research LJ ROSS is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I, XXXX XXXX, consumer and natural person, am notifying LJ Ross Associates, that I refuse to pay the alleged debt. Pursuant to 15 USC 1692c ( c ), I want this debt collector to cease further communication with myself in regards to the above stated alleged debt. My Demands -This letter serves as written notice that I am notifying you all that I refuse to pay the alleged debt that you all say I owe and that I wish for you to cease further communication with me the consumer and all consumer reporting agencies. -This letter further demands that LJ Ross Associates stop all illegal negative reporting of this alleged debt for reference number ending in XXXX to all consumer reporting agencies. -This letter also further demands an AUDIT TRAIL for reference under XXXX XXXX .…

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I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days :

On XX/XX/year>, I submitted a dispute to the credit reporting agencies regarding a collection account reported by L J Ross & Associates with a balance of approximately {$1700.00} that appears on my consumer credit report. I do not recognize this account and I have never authorized, opened, or signed any agreement with this company or the alleged original creditor. After my dispute was submitted, the credit reporting agencies completed their reinvestigation and marked the account as verified or accurate. However, no documentation was provided showing how this account was verified. I was not provided with any contract, signed agreement, application, or proof of authorization demonstrating that this account belongs to me. This indicates that the credit reporting agencies failed to conduct a reasonable reinvestigation as required under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).…

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L J ROSS ASSOCIATES IN is falsely reporting on my credit. I have never had any accounts with them. Per my research L J ROSS ASSOCIATES IN is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Someone made a fraudulent account with energy in XXXX XXXX where someone had a fraudulent XXXX in my name. The person was evicted and the XXXX was taken out my name. I was left with an unaware account for energy when a debt collector named XXXX XXXX XXXX Ive tried to dispute several times. Not only did I not authorize and energy account in XXXX XXXX, I never lived in XXXX nor did I consent to XXXX XXXXXXXX having access to any of my information

LJ ROSS is falsely reporting on my credit. I have never had any accounts with them. Per my research LJ ROSS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.