| 09/06/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This company has violated my consumer rights and has defamed my character by attempting to collect an alleged debt and reporting it to consumer reporting agencies. Because of this I could not purchase a home or gain a credit card. I never gave this company my information. Pursuant to XXXX XXXX XXXX - Other prohibited practices more specifically subsection ( c ), I am demanding that I get my money back via electronic funds transfer. The following are additional federal laws that they broke.
XXXX. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER.
Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument.
( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument.
( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made.
( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this XXXX and has only the rights of a partial assignee XXXX Notice for validation of debts.
( c ) Validation information. Pursuant to paragraph ( a ) ( XXXX ) of this section, a debt collector must provide the following validation information.
( XXXX ) Debt collector communication disclosure. The statement required by XXXX ( XXXX ).
( XXXX ) Information about the debt. Except as provided in paragraph ( c ) ( XXXX ) of this section : ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.
( ii ) The consumer 's name and mailing address.
( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in XXXX ( f ), the name of the creditor to whom the debt was owed on the itemization date.
( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number.
( v ) The name of the creditor to whom the debt currently is owed.
( vi ) The itemization date.
( vii ) The amount of the debt on the itemization date.
( XXXX ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector XXXX disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page.
( ix ) The current amount of the debt.
XXXX Harassing, oppressive, or abusive conduct.
( a ) In general. A debt collector must not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( h ) of this section.
( b ) Repeated or continuous telephone calls or telephone conversations ( XXXX ) In general. In connection with the collection of a debt, a debt collector must not place telephone calls or engage any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
XXXX False, deceptive, or misleading representations or means.
( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section.
( b ) False, deceptive, or misleading representations.
( XXXX ) A debt collector must not falsely represent or imply that : ( i ) The debt collector is vouched for, bonded by, or affiliated with the United States or any State, including through the use of any badge, uniform, or facsimile thereof.
( ii ) The debt collector operates or is employed by a consumer reporting agency, as defined by section XXXX ( f ) of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( f ) ).
( iii ) Any individual is an attorney or that any communication is from an attorney.
( iv ) The consumer committed any crime or other conduct in order to disgrace the consumer.
( v ) A sale, referral, or other transfer of any interest in a debt causes or will cause the consumer to : ( A ) Lose any claim or defense to payment of the debt ; or ( B ) Become subject to any practice prohibited by this part.
( vi ) Accounts have been turned over to innocent purchasers for value.
( vii ) Documents are legal process.
( XXXX ) Documents are not legal process forms or do not require action by the consumer.
( XXXX ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt.
( ii ) Any services rendered, or compensation that XXXX be lawfully received, by any debt collector for the collection of a debt.
XXXX Unfair or unconscionable means.
( a ) In general. A debt collector must not use unfair or unconscionable means to collect or attempt to collect any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( f ) of this section.
( b ) XXXX of unauthorized amounts. A debt collector must not collect any amount unless such amount is expressly authorized by the agreement creating the debt or permitted by law. For purposes of this paragraph, the term any amount includes any interest, fee, charge, or expense incidental to the principal obligation.
XXXX Other prohibited practices.
( a ) Required actions prior to furnishing information ( XXXX ) In general. Except as provided in paragraph ( a ) ( XXXX ) of this section, a debt collector must not furnish to a consumer reporting agency, as defined in section XXXX ( f ) of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( f ) ), information about a debt before the debt collector : ( i ) Speaks to the consumer about the debt in person or by telephone ; or ( ii ) Places a letter in the mail or sends an electronic message to the consumer about the debt and waits a reasonable period of time to receive a notice of undeliverability. During the reasonable period, the debt collector must permit receipt of, and monitor for, notifications of undeliverability from communications providers. If the debt collector receives such a notification during the reasonable period, the debt collector must not furnish information about the debt to a consumer reporting agency until the debt collector otherwise satisfies this paragraph ( a ) ( XXXX ).
XXXX XXXX Code XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
XXXX XXXX XXXX XXXX - XXXX maintained on individuals
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| 10/09/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am giving authorization to this company to respond to this cfpb complaint before I proceed with litigation. As a federally protected consumer, this company has violated my consumer rights and has defamed my character by attempting to collect an alleged debt. They also have reported this information to consumer reporting agencies when I have never engaged in an agreement with this company, nor have I given them written, nonwritten, verbal, nonverbal consent to communicate with me both directly and indirectly pursuant to 12 CFR 1006.6 ( b ) ( 4 ) ( i ) and multiple federal laws pursuant to 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES. Furthermore, they claim that they are attempting to collect a debt from a purchased contract which violates Uniform Commercial Code 3-203 which states that once a contract has been transferred, you cancel all rights to collect. I have a right to privacy pursuant to the privacy act of 1974, to be more specific 5 U.S.C 552a, and this company did not get my permission to use my social security number which has caused me monetary damages. I could not purchase a home, a new vehicle or further extend my credit as a result of this pursuit.
The following are federal laws that have been violated in pursuit of this alleged obligation with a brief explanation on how it was violated.
12 CFR 1006.10 and 15 U.S. Code 1692b - Acquisition of location information.
Stating that I owe a debt on consumer report ( s ) and using language that states that the communication relates to the collection of a debt 12 CFR 1006.6 and 15 U.S. Code 1692c - Communications in connection with debt collection.
I have already stated the reason above 12 CFR 1006.14 and 15 U.S. Code 1692d - Harassing, oppressive, or abusive conduct.
The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. In connection with the collection of any debt, a debt collector must not communicate or attempt to communicate with a person through a medium of communication if the person has requested that the debt collector not use that medium to communicate with the person.
12 CFR 1006.18 and 15 U.S. Code 1692e - False, deceptive, or misleading representations or means.
The false representation of the amount of the alleged debt. The threat to take any action that can not legally be taken or that is not intended to be taken. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. The false representation or implication that accounts have been turned over to innocent purchasers for value.
12 CFR 1006.22 and 15 U.S. Code 1692f - Unfair or unconscionable means.
The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt and I never created an agreement with this company.
12 CFR 1006.34 and 15 U.S. Code 1692g - Notice for validation of debts.
Company did not validate the debt and send the entire purchase agreement to me, the consumer.
15 U.S. Code 1692h - Multiple debts.
Once the debt is disputed, any and all payments shall apply in accordance with the consumers directions and my directions were to send me back my compensation by mail.
12 CFR 1006.26 and 15 U.S. Code 1692i - Legal actions by debt collectors This subchapter prohibits any authorizations from a debt collector to bring forth legal actions.
12 CFR 1006.38 - Disputes and requests for original-creditor information.
UCC 3-203 - TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER.
I have already stated the reason above.
12 CFR 1022.42 and 12 CFR 1022.43 and 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.
A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
5 U.S. Code 552a - Records maintained on individuals.
I have the right to keep my financial life private and I have not given this company any authorization to use my social security number.
3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER.
Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument.
( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument.
( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made.
( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.
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| 06/04/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX. # XXXX XXXX, TX XXXX L J ROSS ASSOC Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified.
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform that if offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by theses companies, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable.
Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.
I look forward to an expedite resolution of this matter Thank you.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when it fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX. # XXXX XXXX, TX XXXX
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| 07/25/2018 |
Yes |
- Debt collection
- Other debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
Servicemember |
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On XX/XX/2018, my boyfriend received a missed call to his telephone from an unrecognized number. When he returned the call, an associate stated that they were looking for me regarding a bill due to XXXX ( XXXX XXXX XXXX ). Believing that it was XXXX calling, my boyfriend told the associate that he would have me call their offices. He then contacted me and stated that XXXX called him about a bill that I owe. He also questioned why they called him. This also seemed odd to me, as I had never given XXXX my boyfriend 's number. I immediately contacted XXXX and learned that I had a final bill of {$120.00}, which was now overdue. I was not aware of the bill until that moment and paid the bill in full. I then asked why they called my boyfriend. The XXXX associate stated that, as a business practice, XXXX does not contact third-parties for any reason and she confirmed that they did not have my boyfriend 's telephone number on file. I asked if the account had been sent to collections and the associate said that it had not. I later learned that she was mistaken, when on XX/XX/2018, I received an alert from my credit monitoring service that a collections account had been sent to the three major credit reporting agencies ( CRAs ). I called XXXX at this time and the first associate that I spoke to stated also stated the account had not been sent to collections, however, when I spoke with a supervisor, she confirmed that her colleagues had been mistaken and that the account had been sent to collections on XX/XX/2018, when the account was 15 days overdue. It was at the point that I began to think that it may have been collections agency that called my boyfriend. XXXX XXXX XXXX directly and learned that it was their office who called my boyfriend.
On XXXX XX/XX/XXXX 18, XXXX said they would notify the collections agency, LJ Ross Associates, that the account was paid on XXXX XX/XX/XXXX 18 and to remove it from collections. The supervisor also suggested that I contact LJ Ross Associates to discuss deletion of the account from my credit reports in consideration of the fact that they began reporting the collection 7 days after I paid the debt, as XXXX did not have the authority to delete the account. On XXXX XX/XX/XXXX 18, I contacted LJ Ross Associates with this request, but they declined to delete the account and the associate was extremely rude and condescening. In addition, the associate stated that they notified me of the debt prior to reporting it to the CRAs, when I spoke with them on XXXX XX/XX/XXXX 18. I explained that I had not called or spoken to anyone in their office prior to XXXX XX/XX/XXXX 18, nor had i ever received a call from their offices. The associate continued to insist that they spoke with me, so I asked her to repeat the telephone number of the person who they spoke with. She repeated the last four digits of my boyfriend 's number and gave no indication that she even had my telephone number on file. This is when I realized that it was LJ Ross Associates who called my boyfriend on XXXX XX/XX/XXXX 18, not XXXX. I let the associate know that it was my boyfriend who they spoke with and that it was him who they shared my debt information. At first the associate denied that this occurred, then she stated that it did not matter who they spoke with, their records say that they spoke with and will continue to show this, r and that as far as they are concerned, I was notified of the debt directly. The associate refused to discuss the matter further.
I am reporting LJ Ross Associates for informing a third party of my debt and failure to identify, while misrepresenting themselves. They also continue to base their decision to report my account to the CRAs after I paid the debt, on the false belief that they informed me of the debt prior, although they are well aware that this is not true. Further, if they continue to insist that they spoke to me on XXXX XX/XX/XXXX 18, despite it not being true, by law they were required to notify me of the debt in writing within 5 days after this alleged conversation, which they failed to do.
If all telephone calls are recorded as they say, evidence of all conversations should be available.
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| 09/23/2023 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Please remove XXXX XXXX XXXX XXXX from my credit report Dear Collector : My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.
2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.
3 ) Documentation that shows I agreed to pay this debt with my signature and documentation shows i gave you permission to have my information and paperwork showing i gave you authorization to report this to my credit report. No consent to you having my information and unathorized use of my social security number is identity theft and you will be reported for such.
4 ) The Agreement that grants you authority to collect on this alleged debt.
5 ) A copy of your state license, including license number that give you rights to collect in my state.
6. ( The purchase agreement ) 7. ( Swear under penalty of perjury you were present during the alleged debt ) 8. ( Demand You provide Chain of Custody for account to ensure the financing and hand to hand transfers is correct ) 9. ( Master Bill Of Sale ) ****** Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.Also you have commited the following FDCPA Violations : 15 U.S. Code? 1692d-Harassment and abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. You harming my reputation which is a violation.
15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in the collection of this alleged debt.
Under 15 U.S. Code 1692k - Civil liability I Demand XXXX dollars for each violation as you have caused severe damage to my character. ( a ) Amount of damagesExcept as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
Stop contacting me about this or any other matter you have. cease and desist ASAP and delete this account from my credit reports, except to provide me with accurate validation of this debt by U.S. mail only.
I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have.
You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficent validation response and this item must be removed immediately or i will seek litigation for Monetary damages along with the violations you alrerady committed.
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| 01/25/2022 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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To whom it may concern L J ROSS & ASSOCIATE you are in violation of the FDCPA you are in violation of my consumer protection rights as a federal protected consumer remove this account that you have on a consumer from all three major credit bureaus immediately XXXX, XXXX, XXXX Pursuant to 15 U.S. Code 1692a Definitions The term " debt collector '' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests.
L J ROSS & ASSOCIATE you are debt collector pursuant to federal law.
.
Pursuant to 15 U.S. Code 1692e.Falseor misleading representation A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( A ) the character, amount, or legal status of any debt ; or If it is a debt L J ROSS & ASSOCIATE that is owed like you ( allege ) all charges you say I owe should be shown in the negative. This will be a False or misleading representation and this is violation Under FEDERAL LAW.
Pursuant to 15 U.S. Code 1692c - Communication in connection with debt collection c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except I am CEASE and DESIST all further communication with you L J ROSS & ASSOCIATE. remove this account on the consumer from all three major credit bureaus immediately from XXXX, XXXX, XXXX. L J ROSS & ASSOCIATE credit bureaus are use as a medium for communication so remove this account immediately.
18U.S.Code8-Obligation or other security of the United States defined The term " obligation or other security of the United States XXXX' includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes , Federal Reserve bank notes , coupons, United States notes , Treasury notes XXXX gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States XXXX stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps .
Anything that is alleges owe is obligation of the UNITED STATES L J ROSS & ASSOCIATE 15 U.S. Code 1692k - Civil liability Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; L J & ROSS ASSOCIATE send me my check for violating my consumer protection rights and for the actual damages you cause me and my family. Invoice will be sent for {$100000.00} to your corporation.
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| 08/28/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I XXXX XXXX the federally and state protected consumer pursuant to 15 U.S. Code 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. In Fact Pursuant 18 U.S. Code 8 I the natural person I am not obligated by federal law to pay a debt. L J ROSS ASSOCIATES, INC are in violation of my consumer rights pursuant to 15 U.S. Code Fair Debt Collection Practices Act ( FDCPA ), The Gramm-Leach-Bliley Act ( GLBA ),. Fact XXXX XXXX XXXX has violated Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.Code 1692b Acquisition of location information by acquiring my place of abode and not contacting me the consumer before. Fact L J ROSS ASSOCIATES, INC Violated Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.Code 1692c Communication in connection with debt collection ( a ) Communication with the consumer generally ; Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Fact XXXX XXXX XXXX Fact Violated Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.Code 1692d ( 1 ) Harassment or abuse ; The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. Fact DEBT COLLECTOR are in violation of Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e False or misleading representations ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. Fact L J ROSS ASSOCIATES, INC In violation of Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section Fair Debt Collection Practices Act ( FDCPA ) 1692k of this title for failure to comply with a provision of this subchapter. Fact L J ROSS ASSOCIATES, INC are liable for {$1000.00} per Violation that has been violated in this Act Pursuant to Fair Debt Collection Practices Act ( FDCPA ) 1692k ( a ) ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
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| 01/28/2024 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Request for VALIDATION, NOT Verification XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX L.J. Ross Associates XXXX XXXX XXXX XXXX, MI XXXX RE : XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed, and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VAILDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that shows I agreed to pay what you say I owe : Provide a verification or copy of any judgement if applicable : Identify the original creditor : Prove the Statue of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX, or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to being legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate the information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the 3 major credit reporting bureaus : XXXX, XXXX, and XXXX ) request shall be sent to me immediately.
I would like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt to telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties. It will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
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| 07/13/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
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My name is XXXX XXXX I am writing this complaint against L.J. ROSS, ACCOUNT # XXXX, ORIGINAL CREDITOR : XXXX XXXX XXXX. I sent a certified letter to L.J. ROSS ASSOC. on XX/XX/2021 they receive it on XX/XX/2021 ( letter and certified receipt is attached with this complaint ). I spoke to my Attorney General 's Office they inform me that this company has no right to collect in the state of Maryland were I reside as a resident. They have no registered agent license to collect in my state and NO SURETY BOND. I was also informed that a lot of residents of my state have written and called the Attorney General 's Office that this company has been harassing them with calls, letters and emails. So, they told me to keep them inform of the reply that I get back. If this item is not remove from my credit report immediately we will be seek legal damages. Also, as a consumer I am afforded protection they have violated major Federal, State law. They have violated also FCRA Sec. 605 ( c ) and FDCPA Sec.809 ( b ). Also, the Attorney General 's Office wanted me to gather this information : CREDITOR/DEBT COLLECTOR DECLARATION Please provide all of the following information and submit the appropriate forms and paperwork ______________________________________________________ Name and Address of Alleged Creditor : ______________________________________________________ Name on File of Alleged Debtor : _____________________________________________________________ Alleged Account # : _____________________________________________________________ Address on File for Alleged Debtor : ____________________________________________________________ Amount of alleged debt : _____________________________________________________________ Date that this alleged debt became payable : _____________________________________________________ Date of original charge off or delinquency : ___________________________________________________ Was this debt assigned to debt collector or purchased? ____________________________________________ Amount paid if debt was purchased : ___________________________________________________________ Commission for debt collector if collection efforts are successful : Please attach a copy of the agreement with your client that grants the authority to L.J. ROSS ASSOC. this alleged debt. Also, please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. Please attach a copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor. Please attach copies of all statements while this account was open. Have any insurance claims been made by any creditor regarding this account? YES or NO ( circle one ) Have any judgments been obtained by any creditor regarding this account? YES or NO ( circle one ) Please provide the name and address of the bonding agent for L.J. ROSS ASSOC., in case legal action becomes necessary : ______________________________ ______________________________ ______________________________ _________________________________________ Authorized Signature For Creditor Date __________________________ Print Name This matter needs to be resolved immediately because it has cause my harm as consumer to my creditworthiness. If all questions and documents are not sent this debt is no in void. Needs be deleted from credit report. Legal action will be pursue for damages.
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| 04/19/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I received a debt collection notice from L J Ross Associates , Inc. dated XX/XX/2022 at an address I did not provide to them nor to XXXX, the company they were attempting to collect an alleged debt in the amount of {$34.00} for. XXXX XXXX and XXXX ( XXXX ) is a utility company in Maryland. Once I received the notice from L J Ross, I contacted XXXX and paid off the balance on the account immediately. After contacting XXXX, I sent L J Ross a cease and desist notice dated XX/XX/2022 and pointed out multiple FDCPA violations they committed by sending me their collection notice accusing me of owing a debt. I also invoiced them {$4000.00} for the violations they committed. I offered to settle the offenses just between the two of us. When they responded to the cease and desist, they falsely identified XXXX as the original creditor. They did not mention anything about the settlement offer I made to them. Nor did they remit payment of my invoice.
On XX/XX/2022 at XXXX in the afternoon, I called L J Ross to follow up with them regarding my invoice. After being transferred a couple times, I spoke to a man. He already had the account pulled up but told me unless I lift the cease and desist, he could not discuss the account with me. He asked could I lift it, I said, " sure ''. He also ask me to verify my identity by providing him with the last 4 digits of my social security number or my date of birth. I gave him my date of birth. I was shocked he had that information considering I did not give it to him nor did I authorize anyone else to give it to him or L J Ross. I asked him about the status of the payment of my invoice. He ask me, " did I want him to send me {$4000.00} for sending them a letter ''. I told him, " No. I want {$4000.00} for the federal laws you have violated by sending me a debt collection letter ''. He said he wasn't going to send the payment. I told him I would pursue legal action. He said that's fine. We ended the call at XXXX XXXX. L J Ross is now in default of my invoice. They had 30 days to dispute and they did not.
Since L J Ross Associates , Inc. wasn't willing to settle the matter before, in additional to the 4 FDCPA violations I outlined to my cease and desist notice as well as in the invoice I sent them, I have more violations to add since they responded to my cease and desist notice. Four additional times they violated FDCPA 1692b ( 5 ) by including the company 's logo on the envelope and in the contents of the envelope. Two more times they violated FDCPA 15 USC 1692f ( 8 ) by including their company 's logo in the content of the envelope. Each one of these violation carries a fine of {$1000.00} each.
L J Ross Associates , Inc. violated federal law 18 USC 1028 ( a ) ( 7 ) & ( b ) ( 1 ) ( A ) ( i ) ( ii ) by obtain my private information without lawful authority to defraud me by attempting to collect an alleged debt. This offense carries a criminal penalty of not more than 15 years of imprisonment if found guilty and a fine. L J Ross also violated 18 USC 1028A ( a ) ( 1 ) aggravated identity theft by obtaining my private information without lawful authority. This violation carries a penalty of 2 years of imprisonment if found guilty and the fine prescribed in 18USC 3571 ( a ) ( c ) ( 3 ) of {$500000.00}. XXXX XXXX and XXXX company ( XXXX ) violated these same federal laws by transferring my private information to L J Ross Associates, Inc. without my prior consent.
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| 12/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am writing to lodge a formal complaint against LJ ROSS ( Original Creditor : XXXX XXXX ) concerning their handling of my credit account ( Account # : XXXX ). This complaint pertains to serious violations of my consumer rights and non-compliance with the Fair Credit Reporting Act ( FCRA ).
Background of the Issue : Account and Reporting Details : The account in question was opened on XX/XX/XXXX, and is categorized as a collection account. Despite being paid, it has been reported with a status of " Collection/Chargeoff '' as of the last report on XX/XX/XXXX.
Disputed Information : It has been noted in the account comments that the information was disputed by the consumer and meets FCRA requirements. However, the adverse reporting remains unresolved.
Key Concerns : Violation of FCRA Standards : The FCRA mandates accurate and fair reporting of credit information. The reporting of this account as a collection/chargeoff post-payment is inaccurate and misleading, negatively impacting my credit report and score.
Failure to Update Personal Information : I had proactively informed LJ ROSS of my change of address following a significant incident of mail theft. This notification was provided in a timely manner, with the expectation of ensuring the security and accuracy of communication related to my account. Despite this notification, LJ ROSS failed to update this critical personal information in their records. This neglect resulted in several adverse consequences : Misdirected Communications, Uninformed Financial Decisions, and Increased Vulnerability to Fraud. The resultant misreporting as a collection/chargeoff in my credit report is a direct outcome of LJ ROSS 's failure to act on my updated information.
Obligation to Provide Proof of Verification by Collection Agency : Mandated Verification Process : In compliance with the Fair Debt Collection Practices Act ( FDCPA ), specifically under Section 809 ( Validation of debts ) [ 15 USC 1692g ], LJ ROSS is required to provide detailed verification of the debt. This includes original creditor documentation, authority to collect, and account accuracy confirmation.
Definition and Relevance of Identity Theft : Identity Theft Concerns : The failure to update my personal information has led to circumstances that parallel identity theft. This negligence has facilitated financial decisions and activities under my name without my consent.
Emotional and Psychological Impact : Personal Crisis Beyond Financial Harm : This situation has caused immense emotional and psychological distress. The realization that my personal information has been mishandled in a way that aligns with identity theft has led to significant anxiety and uncertainty.
Demand for Justice and Corrective Measures : Urgent Need for Action : I implore LJ ROSS to rectify this situation immediately, including correcting the inaccurate information on my credit report.
Call for Legal Compliance and Protection : I urge the relevant authorities to investigate this matter in the context of identity theft and FCRA violations.
I await your prompt attention to this serious matter and look forward to a just resolution.
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| 03/14/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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L.J. ROSS & ASSOCIATes falsely accessed my consumer file fraudently without permission nor permissable purpose. 1. Provide validation of the debt, that is, the actual accounting.
2. Verification of their claim against you, that is, a signed Invoice.
3. A copy of the Contract binding both parties ( you and them ), and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' This letter is to inform you that the above referenced accounts being reported by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I have recently opted out from all secondary credit reporting so please do not rely on them for accuracy for they should not be sharing any of my information.
I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts?
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner.
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation.
I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding these items listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Cease and desist and my legal counsel was contacted. THis company is not licensed to collec tin my state.
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| 12/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) are a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) as the financial institutions and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, and ( furnishers of information of credit agencies ), whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnishers of information to credit agencies ) never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' These accounts are adverse items that are being reported again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. This is pertaining to XXXX XXXX, L.J ROSS ASSOCIATES, and XXXX XXXX XXXX.
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| 08/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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I am responding to your business reporting a debt you are trying to collect. You reported on all three credit bureaus XXXX, XXXX as well as XXXX by postal mail, on XX/XX/2023, and identified the debt as verified debt owed. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
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| 09/06/2016 |
Yes |
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- Improper contact or sharing of info
- Talked to a third party about my debt
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Web |
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My youngest daughter, XXXX, broke her wrist this past winter. During the course of her treatment, there were times that my dad, had to take her to appointments as both her father and I had to work. I filled out all initial paperwork and indicated that I would be responsible for all billings associated with her treatment. I provided our home address and home phone number as the only contact information.
I paid all bills that arrived in the mail and thought that I had taken care of all treatment costs associated with this break. However, my dad received notification that there was a physician bill that had not been paid and it was in collections under his name.
I immediately called the provider, now XXXX XXXX XXXX XXXX ( previously just XXXX XXXX ) to find out what happened. I spoke with a XXXX in XXXX XXXX XXXX on XX/XX/2016 regarding the matter. She noted that XXXX had tried to mail the bill for the physician to me one time at our home address and it came back undeliverable. They did not attempt any other mailings, though I received multiple other bills to our home address for this and other services from the hospital during this time frame without incident. She noted that they then tried to call a cell phone number four times without getting a response. Again, I had not provided a cell phone number in any of the paperwork associated with this provider or claim.
I indicated to XXXX that I always pay my bills with the hospital and would like to do so with this bill. However, given the circumstances, I wanted to request that the bill be taken out of collections altogether and especially in the name of my father. Further, given the amount of the bill, I requested that I be allowed to be put on a payment schedule as I would have requested right away had I received the bill. Both requests were denied. The hospital maintains that my dad is responsible for the bill as he took her to the appointments even though I had signed as the responsible party.
Furthermore, I signed an Authorization For Release Of Protected Health Information To Family Members Or Other Persons that specifically indicated that XXXX could disclose information related to medical conditions, diagnosis or lab reports to both my mother and to my father. However, I did not indicate that billing inquiries on the account could be directed to them. Obviously, they disregarded this request. As neither my father nor I ever received any written documentation on the matter, I do not have an account number or more specific information on the collection agency the debt was sent off to.
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| 04/26/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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Case # XXXX The following is a rebuttal to LJ Ross & assoc l etter. Pardon me for starting a new complaint as you had closed the old : CPFB XXXX XXXX XXXX Case # XXXX Dea r Manager, Thank you for your prompt response. Unfortunately, XXXX XXXX and LJ Ross asso ciates ( LJRA ) half-baked research and lackadaisical reporting lacks relevant points of facts : 1. That ou r property at XXXX XXXX XXXX , XXXX , MD XXXX was a rental property. The renter had a separate XXXX account. However, when the renter moved out and much later the bank foreclosed on the property XXXX decided to purge that account and outstanding balance was merged into our current account on XXXX XXXX XXXX , XXXX MD XXXX ( p resent home ). {$910.00} was merged with latter account exactly on XX/XX/XXXX ( account history enclosed ). 2. So when XXXX makes a claim that the utility bill is for present home she is condescending. Either she lives in a cave or below some rock to not realize how can some live on a property ( XXXX XXXX XXXX ), n ot pay utility bills and yet the utility company does NOT turn off the power. And why does the company not turn off power? Because bills are have been paid on time and the account is current. 3. That XXXX fails to ask requisite questions on XXXX and blindly ascertains that XXXX bill is not included in the bankruptcy. She is again found stating falsely that utility bills are not for XXXX when the account history referred in para XXXX above highlights the falsehood. 4. XXXX without first getting hold of itemized statement from XXXX unabashedly goes on a charact er assassination c ampaign making false assumptions. While she is able to find out when bankruptcy was filed and discharged but made no efforts to ascertain for what property? After all certain debts are discharged as result of bankruptcy, right! Had she done her job she would been pleasantly surprised? Easy to destroy a poor consumer 's credit but tough to get relevant facts and details! Lo Behold! High handedness. From the preceding it can safely be concluded that over-reaching and tone-deaf characteristics of collection agencies who are most concerned about their bottom-line and consider good-credit of customers as trivial hence expendable and LJRA is no exception. Regrettably, CPFB lacks the teeth to take such self-aggrandizing and disreputable collections agencies to task. Or is it? Thanks again for all the great service you extend. Best regards. Most respectfully, XXXX XXXX
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| 09/07/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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I have previously contacted CFPB ref:XXXX-XXXX as of XX/XX/2019 the respondent has Sold the Debt to L J Ross Associates In.
Reported By L J Ross Associates In XXXX XXXX XXXX, XXXX, MI XXXX ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/2019 Creditor Class Utilities Client Name XXXX XXXX XXXX XXXX Original Amount {$550.00} Again, Multiple Letters have been sent to XXXX, and their collection representatives now AT LEAST 5 times ( including over 30 phones calls in the last 2 years ). I am writing this letter in response to the information your company has placed on my credit reports.. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you, and not an invoice. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license number and Registered Agent Number If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Sent Via USPS TRACKING XXXX ADDITIONALLY : I HAVE SPOKEN TO XXXX, REPRESENTATIVE OF XXXX ADMITTED VIA TELEPHONE CALL IN XXXX of 2019 THAT THE ACCOUNT USED IN QUESTION WAS A FRAUDULENT ACCOUNT AND WOULD BE CLOSED/BLOCKED/BAN. XXXX HAS BEEN PROVIDED WITH COPIES OF MY STATE ISSUED ID AND COPIES OF MY TAX RETURNS FOR THE YEAR IN QUESTION.
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| 11/05/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.
9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.
10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.
12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.
13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.
14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.
15. Provide verification from the stated creditor that you are authorized to act for them.
16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.
Disputing the Debt, Dated this XX/XX/2018
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| 06/05/2017 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
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I have been continuously getting the run around from XXXX XXXX XXXX XXXX and LJ Ross Associates regarding my medical bills- patient responsibility amounts. I called XXXX XXXX XXXX XXXX in XX/XX/XXXX to make a payment arrangement on ALL outstanding bills as the statement I received in the mail stated. It stated that if I was unable to pay that I could call and setup a payment arrangement. I called XXXX XXXX XXXX XXXX and was setup on a payment arrangement and paid the balance in full XX/XX/XXXX . Then the very next day I g ot a letter from LJ Ross Associates which is a debt collection agency for a balance I thought I just paid through the payment arrangement. XXXX XXXX XXXX uses, LJ Ross Associates as a debt collector and the few bills that I was under the impression I was paying off were not included in the payment arrangement only facility fees. I called XXXX XXXX XXXX after talking to a representative a t LJ Ross and the XXXX XXXX XXXX billing representative " XXXX '' told me that, that bill was not included in the payment arrangement. I do not understand how they could have been left them out when I asked for " ALL '' outstanding bills to be setup on a payment arrangement bills. I am in the process of obtaining a mortgage and this is hurting my credit score. This is super frustrating and this is not the first time XXXX XXXX XXXX has billed me incorrectly. In the past they have not billed my insurance timely and then when they finally do bill my insurance and my insurance pays their portion I get sent my co-pay or patient responsibility to a debt collector instead of giving me the opportunity to pay first. XXXX XXXX XXXX facility has gone through various changes through the past 10 years and I really think that they have cut corners to clear accounts before new owners have taken over. Fortunately, I have gotten those past issue off my credit report by disputes through the XXXX credit bureaus, but this is getting very frustrating and I need this to stop. I 'm sure I am not the only that this issue has happen too. XXXX XXXX XXXX billing practices ne ed to be investigated. And currently the bills I have been responsible for that were sent to LJ Ross for collection were paid an d LJ Ross list ed them as a charge off on my credit report when that is not accurate. I understand that may be a separate issue but both companies practices should be investigated.
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| 05/18/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX L J ROSS ASSOCIATES IN XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious L J ROSS ASSOCIATES IN XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 07/11/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I had electric services with XXXX XXXX XXXX, XXXX, I was moving out of Indiana, had my account requested to be closed on XX/XX/2022. I have paid all my bills on time for electric utilities. On XX/XX/XXXX, the account was closed and the final bill came due, XXXX, I paid this on XX/XX/XXXX, the due date on the final bill was pay by XX/XX/2022. Apparently on XX/XX/2022 I was sent to debt collections LJ Ross associates, I received a letter dated XX/XX/2022 that I was sent to collections for XXXX ( this was already paid ). Since mail takes some time to get to me, I opened the letter on XX/XX/XXXX, was distraught that this occurred. I called XXXX On XX/XX/XXXX in the XXXX, they said that there was a " system error '' that occurred and several accounts were sent to collections mine happened to be in that account, then it was recalled on XX/XX/XXXX, they said nothing will go to credit bureau and that LJ Ross or other debt collector should not be collecting. I then called LJ Ross later in the day on XX/XX/XXXX, they stated the account was recalled and they can not give any other information and told me to call XXXX. I then called XXXX they said that it was a system error account has been recalled, I have paid in full, and that it should not hit the credit bureau, but it would be LJ Ross that reports that, they said to check XXXX in a couple of weeks. I stated okay, and I stated that this is a significant amount of work, time consuming out of personal time, and requires checking multiple places ( XXXX, LJ Ross, XXXX ), and that there should be compensation for literally time wasted for an error done by XXXX, I was denied compensation, one rep sent me to a supervisor, I notified the supervisor who I spoke with I would like this I was told I can file a damage claim online ( there is no damage claim for financial compensation ), and then I was told another supervisor would reach out for my concern, I notified that this type of behavior is not acceptable to have accounts sent to debt collection and waste customer 's time, and I should receive compensation, I notified the supervisor I will post on CFPB for this behavior. I would like fair compensation for my efforts at making sure I am not put into debt collection for no reason, my credit report is not damaged. This compensation can be negotiated with myself.
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| 04/21/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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TODAYS DATE:XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT L J ROSS ASSOCIATES IN XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious L J ROSS ASSOCIATES INXX/XX/XXXXXXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example XXXX XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX XX/XX/XXXXStop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1983 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
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| 12/22/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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This complaint involves a utility, XXXX XXXX, in New York, and their collection agency LJ Ross Associates in XXXX XXXX XXXX Michigan, XXXX XXXX XXXX, XXXX MI XXXX ( XXXX ) XXXX.
I have a stellar credit record, always paying my bills and have no late or bills in default.
I had moved to an apartment building and was disputing charges that were inappropriate to my account with the utility. The basis for my complaint is that after a few months, I actually moved out of the apartment but was being charged by the utility as if I lived there. The charges were several hundreds of dollars monthly based perhaps on another tenant 's prior usage but not my actual usage. XXXX XXXX - without any notice to me - sent my account to LJ Ross Associates. In turn, and once again without ANY NOTICE to me, LJ Ross Associates put a collection notice on my credit report -- permanently damaging my credit standing for absolutely no reason. I never said that I would not pay the bill, rather the bill from the utility needed to reflect the accurate charges.
My complaint surrounds treatment of me and complete disregard for the credit rating and score that I have had all of my life, having paid all of my bills without ever being late or delinquent. These are harsh and unforgiving tactics that are undeserved given that I absolutely was intending to pay my bills, as I have for the past XXXX years as a XXXX XXXX client in New York. This shows me that utter disregard and harm has been done, given that collection efforts CAN remain on the credit report for up to 7 years. This is bullying, destructive and cruel, with malice, with absolutely no care for people in a pandemic. I will also state I closed my XXXX XXXX account and moved out of state ; however, my email and phone and all contact information was readily available and in the possession of XXXX XXXX and its collection agency.
I am hoping with this complaint that an investigation take place and that these firms institute corrective measures to 1 ) provide notice of collection referral prior to damaging an innocent person 's credit report ; 2 ) request and strongly encourage LJ Ross Associates to remove the collection activity from my credit report to be permanently expunged since it was there wrongly and without ANY justification and notice.
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| 03/30/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX XXXX L J ROSS ASSOCIATES IN XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious L J ROSS ASSOCIATES IN XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/198XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 01/14/2023 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Account # XXXX, XXXX, and XXXX Are in violation Not only have you ignored my prior requests for validation of the debt letter will again request that you follow the FDCPA and please provide the following : Validation of Debt Request -Proof that you can collect on a debt in my state -Proof of the date the account went into delinquency -Your Bond ( if required ) in the event I need to seek counsel -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so, therefore, that must mean you agree with me that this debt is false. You have violated my consumer rights under the Fair Debt Collection Practices Act These accounts are in violation of : 15 USC 1692c ( c ) Ceasing communication, FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations 15 USC 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing of medical information 15 USC 1681b ( 4 ) Limitation on redisclosure of medical information I am seeking monetary damages for each violation made On XX/XX/2022, I checked my state license requirements for collection agencies and it states that in order to collect from consumers in this state ( Wisconsin ), you must have a license and be bonded. I sent a letter to your company six weeks ago asking that you provide me with proof that you meet my state licensing requirements. As of today, you have not responded. Because of that, I checked your company name to find out whether you were bonded and whether you have a license to collect in my state, and your company name is not in the system. As of right now, your company is violating my states law, and penalties for violating the law are harsh. If your company does not delete the negative information that is appearing on my credit report due to your illegal reporting within 10 days of this letter, I will have no other choice but to seek legal advice and report your company to the Attorney Generals office, the XXXX XXXX XXXX and the Consumer Financial Protection Bureau.
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| 09/08/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I'm a victim of identity theft and fraud against me.I have already made proper reports with appropriate agencies and am still going through it and it's exhausting and relentless especially with companies who don't do their due diligence and ask for proper ID or background checks, if they did these examples would be less of a headache I'm already going through.So I was pulling my credit report and found this, no phone call, no documentation, no validation so I could even dispute to remove.Was only made aware of this fraudulent activity against me by pulling my credit reports for another problem.I immediately called and was met with a rude hostile person whom I told who I was and this is a result of my identity being stolen and fraud against me in so many words, and they haven't even did the bare minimum of validation by FCRA standards i believe there supposed to at minimum, not even a phone call, and it's because it's not mine it's fraudulent against me and should immediately be removed, met with refusal of course.Did find out where my stolen identity was used this time was from XXXX XXXX somewhere in Texas where I never lived.I called XXXX XXXX and spoke to a XXXX and told him this was not mine and a result of identity theft and fraud against me and they didn't even call much less provide validation ... because it isnt mine and don't exist, but I repeated he needs to send me validation so I can turn documents over to identity theft, he refused.This is false and fraudulent negligent credit slandering reporting and needs to be removed.This has gotten so twisted and theyve gotten away with this so long without accountability its very distressing and disturbing.Im not very good with putting thing into to words, but i think my point is made thus is wrong.I did however dispute and report this with a couple agencies so far afterwards and will vigorously stand angainst all wrongs against me and will continue to stand for whats honest and right even if i have to stand alone.Thank you and please remove all false and fraudulent credit slandering reports against me as we consider further proper options to deter these bad practices.
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| 06/23/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Dear Collector : Please be advised this letter is a demand for validation pursuant to the Michigan Consumer Protection Act and the FDCPA, made by XXXX XXXX. Your failure to respond may trigger action for damages brought by an individual consumer against XXXX XXXX XXXX, for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., and the Michigan Collection Practices Act ( State Act ), MCL 339.901 et seq., which prohibit debt collectors from engaging in abusive, deceptive, and unfair practices. Furthermore, FCRA Sections 623 ( a ) ( 5 ) ( A ) & ( B ) stipulates what a collection agency must do to attempt to determine the date it must provide to a consumer reporting agency for calculating a seven-year period. This date is a key to ensuring that collection accounts, even when transferred from one collection agency to another, do not result in a change in the calculation of the seven-year period for retention of adverse information.
Be advised THIS IS NOT MY DEBT! Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 ( g ) : I XXXX XXXX states that your claim is disputed and validation is requested. During this period of dispute, consistent with the requirements of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., you are required to stop all efforts to collect this alleged debt and remove any negative reporting to any credit reporting agencies or be held accountable for the ensuing liability and penalties arising under the FDCPA. Further consistent with the requirements of the FDCPA, 15 USC 1692g, please verify the debt you are seeking to collect, in writing, in the following particulars : What the money is owed for ; Explain and show how you calculated what you say is owed ; Provide copies of any papers that show the amount claimed to be owed was agreed upon ; Provide a verification or copy of any judgment if applicable ; State if you purchased this debt from the original creditor ; Prove the Statute of Limitations has not expired on this account Show proof that you are licensed to collect in Michigan Provide copies of your license numbers and Registered Agent
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| 02/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
Servicemember |
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On or around XX/XX/XXXX, I received a call from an L.J. Ross & Associates. At the time of the call, an agent informed me of a debt that was reported to have been mine.
During this call verification of debt was requested of L.J. Ross & Associates, and I provided my new address as of XX/XX/XXXX, along with my email address to have the verification documents provided to me, as I wanted something documented to ; ( 1 ) .Clearly explain the debt/amount. ( 2 ). Verify that L.J. Ross was a legitimate collections agency before agreeing to repayment/settlement and providing my payment information.
After months I received another call from L.J Ross & Associates on XX/XX/XXXX, pertaining to this same issue, and I informed the phone assoicate of my prior request of verification document. The associate was again provided with my physical.mailing address and email address and she infomred me that the information had not been entered in there system previously?
On XX/XX/XXXX, I received an emailed alert from my Credit Union informing me that that there had been a change to my report that could have a negative impact on my credit score, so I logged in to the credit monitoring app to find that L.J.Ross and Associates placed a collections on my report.
On XX/XX/XXXX, I contacted L.J.Ross and Associates with the contact information listed on the collection entry of my credit report and ultimately requested to speak with a supervisor because the associate that I was connected to was very rude and unprofessional. Upon being connected to a supervisor the communication worstened and the supervisor ignored my concern that the agency did not follow the law and provide me with some documentation that confirmed this debt and confirmed that the attempt to collect my payment information were all legit, he just bantered with me and there no no resolve met with this agency in explaing how/why they placed a collections on my report.
On XX/XX/XXXX, I received a verification of debt and a letter verifying collections from L. J Ross & Associate, after they failed to negatively impacted my credit and failed to uphold consumer reporting laws.
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| 03/02/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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L J Ross Associates Inc has failed to validate an " alleged '' debt in the amount of. According to the FDCPA, the validation information must include : ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information. ( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ). Official interpretation of 34 ( c ) ( 1 ) Debt collector communication disclosure. Show ( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collectors name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( i ). Show ( ii ) The consumers name and mailing address. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( ii ). Show ( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( iii ). Show ( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( iv ). Show ( v ) The name of the creditor to whom the debt currently is owed. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( v ). Show ( vi ) The itemization date. ( vii ) The amount of the debt on the itemization date. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( vii ). Show ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( viii ). Show ( ix ) The current amount of the debt.
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| 10/10/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Received multiple calls from L.J. ROSS & ASSOCIATES, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX, XXXX who is handling a debt for XXXX XXXX XXXX XXXX XXXX ) that is around {$110.00} and I have told the rep that the debt has been paid through XXXX. Regardless, the rep tried to collect payment as she refused to do her due diligence and tried to manipulate me into paying as she said I need to pay. Also, during the call, the rep provided me the last four digits of my social BEFORE confirming my identity and provided my previous addresses and full name. I was not comfortable with that and I would appreciate this matter be followed up on. I called back and discussed my concerns with someone who said they were a manager but, this is not the first time Ive had an issue like this with this collection company. Behaviors like this create XXXX! Especially during these unprecedented times where fraud and scams are forever exercised for monetary gains. I confirmed with XXXX that my account is current and am eligible for new service since I do not have a previous balance. XXXX told me that I do not need to provide proof to the collection agency and I am OK. I am being told conflicting information from XXXX and LJROSS. This collection agency made it appear that I NEEDED to pay THEM or the debt will not be effectively removed from collections. This company has been a pest and creating problems for me. I do not want this on my credit since, it is not valid. Ive disputed via XXXX and it was removed but, they still continue to call, relentlessly. Even AFTER it has been removed. It is still on the other two credit bureaus. I want them to remove it. Please note that the amount that I paid was higher than what was due but this amount will be credited towards my future account. I have proof but will not attach it due to not wanting the company to keep for their records. The specific incident mentioned in the above comments was on XX/XX/20. On this date, there were 3 separate calls placed, an incoming and two outgoing. I returned a missed call from the company, and called back and spoke to a manager.
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| 11/22/2022 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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L.J. Ross has repeatedly violated federally protected consumer rights by failing to adhere to government issued protocols for debt collectors ; federal authority granted in 12 U.S.C. 5481 ( 15 ) ( A ) ( xi ). Specific to the issues at hand, prior to reporting to a credit agency that an account is in collection status, as required under law, L.J. Ross must furnish verification of an alleged debt to the consumer. Further, L.J. Ross must notify the consumer of their right to dispute the alleged debt and the subsequent instruction. 12 C.F.R. 10 1006.34 ( a ). L.J. Ross is also barred from utilizing deceitful activities or tactics when working on the collection of any alleged debt. 12 C.F.R. 10 1006.18. L.J. Ross has violated the requirements of 12 C.F.R. 10 1006.34 ( a ) by not furnishing or attempting to furnish verification of the alleged debt. In fact, L.J. Ross DOES NOT MAKE AN ATTEMPT to notify an alleged debt prior to sending the debt to collection status. I have resided at the same address for four years and maintained the same phone number for sixteen years. By reporting to credit companies without notifying or providing consumers verification of alleged debt, L.J. Ross is engaging in deceitful tactics. Validation of the debt does not exist as reported, because claims of service dates do not match appointment or insurance benefit explanation statements. In addition, upon filing disputes with credit agencies has led to multiple collections accounts held by L.J. Ross being resolved and removed. However, L.J. Ross responds by reporting new accounts in collections for the same amounts. L.J. Ross has devalued by credit score by over ten percent, resulting in my failure to be able to secure a needed student loan or HELOC. I have been battling this agency for nearly a year, only to find similar stories and law firms advertising on how they can defeat L.J. Ross 's deceitful practices. Federal authority to issue protocols and regulate collections agencies was granted to the CFPB to ensure protections for consumers from companies like L.J. Ross.
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| 09/02/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This company is reporting an account that is not mine. They have failed to proof that their is a legal binding or contractual obligation to pay this debt.
Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from THIRD PARTIES. I do not recall giving permission to LJ ROSS ASSOCIATES, for them to release my medical information to a third party, I understand that HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore I demand that you cease and desist your illegal reporting of this account and have it deleted from my report as soon as possible.
Here are the laws violated : XXXX. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX postmeridian, local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer ; or ( 3 ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.
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| 07/18/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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Web |
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To Whom it May Concern, I was having major difficulty paying my bill due to landlord not providing gas heat and not allowing XXXX to access electric meters resulting in large billing adjustments. Weve received bill over {$1000.00}. Despite this and loss of employment, I still tried to pay XXXX. Thankfully, public assistance helped pay for the majority of the past due bill. I was in communications with XXXX, letting them know that I was not working and applying for public assistance. Even though a payment was made to XXXX they still sent my account to collections and did not they did not properly notify me that the account was going to collections. Details below : A payment of {$1000.00} was made on XX/XX/2019 to XXXX. On XX/XX/2019, XXXX sent the account to LJ Ross collections for {$460.00}. I was out of work and in the process of getting public assistance to have this bill paid, which I let XXXX know ; however even after a payment was made they immediately sent the account to collections.
2 ) I was not notified by either mail or phone call that this was going to collections. I later found an email from XXXX with the title Importance Notice from XXXX. The email did not state they were attempting to collect a debt. There was an attached letter that stated this. I was never contacted by LJ Ross either. I found out about the collections account in XX/XX/2019 after checking my credit report, which I paid immediately.
As a reference, the landlord at the time was not providing gas heat so we had to use electric heaters during the winter. He also refused to provide XXXX access to the electric meters on a monthly basis, thus we were hit with large electric bills every 6-9 months. XXXX was well aware of the situation. I had to move from the apartment because I did not want another winter without proper heat. Even still, I made every effort to pay my bills while I was out of work and trying to find another place to live. Now because of this collections account on my credit I have not been able to rent another home.
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| 04/06/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against LJ Ross Associates , Inc. for committing identity theft. I have never given LJ Ross Associates XXXX Inc. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( XXXX ).
I have never received any documentation requesting validation from LJ Ross Associates , Inc. before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( XXXX ) which the FTC defines as debt parking. If LJ Ross Associates , Inc. can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until LJ Ross Associates , Inc. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LJ Ross Associates , Inc. continues its collection efforts, I will file for litigation for actual damages caused and LJ Ross Associates , Inc. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
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| 10/04/2017 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have recently received a letter from LJ Ross & Associates about a debt from XXXX XXXX XXXX XXXX Michigan for a bill for my daughter, stating that I owe them for a medical bill that was unpaid. I had spoken with XXXX 's a couple different times prior to that to tell them that they submitted the claim wrong and they would need to resubmit it. I had another child last year and I met all of my out of pocket expenses with insurance so it should have been paid. Once I got this communication from LJ Ross, I called them in regards to it. They told me to contact XXXX 's about the dispute. The visit in question was an emergency visit for my older child. She was experiencing a significant number of XXXX XXXX, which we have sine had XXXX at XXXX 's to correct. The emergency room visit was coded as " XXXX XXXX ''. Insurance does not recognize this as an emergency and that was not the reason that we were there. We came because it was late and my daughter suffered from multiple, painful XXXX XXXX I talked to XXXX 's and they told me that any new disputes had to go through LJ Ross. I contact LJ Ross another day and they tell me that they can not do anything and that I have to speak to XXXX 's about this wrong diagnosis code. I call XXXX 's back and explain the situation on another day and the representative hangs up on me. This is not the first time that this has happened. It takes alot of time to call these places in the middle of the day, when they are open and you are working but you get nowhere. Between 2 hour insurance holds and the games that the hospitals/collection agencies play, you are between a rock and a hard place. The XXXX that happened in XXXX was fully paid for because I met everything with insurance once having my newest addition. This is absurd that i have to keep fighting with them about these things but they wo n't help or investigate. Then, this week, I find that they have now put this on my credit report and I am seeking to resolve this asap.
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| 06/30/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I owed XXXX medical bills in the amount of {$94.00} each for my XXXX sons in XX/XX/XXXX. My sons had medicaid at the time of service. The hospital submitted the bills to medicaid for billing. The hospital claims there was a billing error and they were billed incorrectly. I NEVER received notification of this nor did I receive notice when it was taken over by a debt collector. When I pulled my credit XX/XX/XXXX I saw they were now on my credit. I disputed them. They took it off of XXXX of my credit reports but not XXXX other. I called them directly, L.J. Ross and Associates, and they were absolutely rude. Told me too bad, if I had insurance that I would have to pay them myself now because I had over a year to take care of it. I contacted my caseworker at DHS and filed appeals to get it paid, I contacted Medicaid and filed a complaint to get it paid. Finally I called L.J. Ross personally and tried to pay it myself and they told me I could n't because I had disputed it. So now these bills are stuck on my credit and I can do NOTHING about it??? How is that fair? Also, I finally got a call from Medicaid and they indicated that, because it was a billing error, I AM NOT LIABLE FOR THESE DEBTS. I requested that in writing. I then faxed the letter to L.J. Ross and later called to follow up. The lady I talked to kept interrupting me and telling me she already knew what I wanted ...? Her name was XXXX and she was very rude and agressive. She told me that until the hospital told them it was paid they do n't have to take it off my credit whether I 'm liable or not. I asked her how this was legal and she told me it was because I had plenty of time to dipute it ... which I did and it solved nothing.
My point is how can something I am not liable for be reported to my credit? How is the hospital 's error now my fault? Why does the collection agency, L.J. Ross and Associates, not have a duty to remove items that are reported incorrectly?
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| 01/18/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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OnXX/XX/XXXX I, ( the " Consumer '' ), started to receive phone calls from an unknown number at inconvenient and unusual times for me. On XX/XX/2022 at XXXX EST I decided to call the number back after having received another phone call from the aforesaid unknown number without having my permission to contact me. On the aforementioned date and time, I spoke with a person unknown to me by the name of, XXXX XXXX, who claimed to represent L.J. Ross and Associates. I asked XXXX XXXX why L.J. Ross and Associates had been causing my phone to ring without my permission and XXXX XXXX responded by saying, that it was an attempt to collect a debt for XXXX XXXX in the upwards of XXXX XXXX ( XXXX ) dollars which was a false and misleading representation of the character, amount and legal status of the debt XXXX XXXX claimed was owed. I informed XXXX XXXX that XXXX XXXX had not reached out to me regarding a debt owed and that I had not directly given L.J. Ross and Associates prior consent to communicate with me. XXXX XXXX transferred the call to XXXX XXXX, alleged supervisor for L.J. Ross and Associates. While speaking to XXXX XXXX, he engaged in unfair practices by attempting to continue to collect an amount that was not expressly authorized by any agreement creating the alleged debt or permitted by law. I kindly asked XXXX XXXX to send me a copy of the agreement between L.J. Ross and Associates that would permit the collection of the alleged debt as well as the license from the STATE OF MICHIGAN permitting L.J. Ross and Associates to collect debts for a third and XXXX XXXX refused. L.J. Ross and Associates have committed identity theft by using my personal or financial information without your permission. L.J. Ross and Associates have invaded the privacy of my family and I as Consumers, and violated the rights of the Consumer. L.J. Ross and Associates, are in violation of the following ; 15 U.S. Code 1692c, 1692d, 1692e and1692f.
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| 05/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I'm a resident of XXXX, NY- and a Notary. To hold the Public Office I must reside in NY, I've attached my Notary Certificate. Look at any bank statement or credit history and you can see everything happens in or around XXXX, NY. I called and said the debt was not mine. I'd like this removed from my credit score and there are already 2 investigations by XXXX and XXXX I've started, but this will take up to 30 days. I'd like this resolved faster because my rights have been violated. I never was given an opportunity to dispute the debt before sending to collections, even though I contacted the Company. This also ruined my perfect credit score with 100 % payments on-time for 20+ years. The collection agency never contacted me ( L.J. Ross ), I contacted them after they hit my credit score by over 40 points without verifying the debt, and even admitted they made a mistake when I spoke to a manager. They said they called me 4 times after I left them a voice mail and instructed them to call my cell phone number. The manager I called on XX/XX/23 admitted the notices were mailed to the wrong address, and the calls were made to the wrong number even though I provided the correct number in my voice mail. He admitted the fraudulent number was contact area code XXXX XXXX XXXX even though I said to call my number area code XXXX XXXX XXXX He ever said he would talk to the employee about this issue and reprimand them. Proof again I never was given an opportunity to validate the debt- the Manager admitted things were not done right and I was a victim. He also said he could tell this was fraud but could not do anything without XXXX 's permission. I'd like to share this as negligence and violations of the fair credit/report act. Also the people I talked to before management at L.J. Ross were very rude and I'd like an apology from that Company, the Manager/Supervisor at L.J. Ross was very arrogant XXXX was negligent in multiple ways.
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| 08/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Problem with product or service terms changing
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Web |
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
All the information listed on my consumer report was added through identity theft. 15 USC 1681B clearly states the consumer must provide written consent for anything added to their consumer report. Which means they obtained all information through identity theft because I did not give my consent. That is also a violation of 18 USC 1028A aggravated identity theft and The Privacy Act of 1974, seeing as they shared my Social Security Number. According to 15 USC 1681C-2 the consumer reporting agencies have 4 Business days to block information resulting from alleged identity theft. It has been more than 4 days since they opened their investigation and no action has been taken.
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| 02/12/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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LJ Ross Associates, Inc. contacted me regarding XXXX XXXX debt collection. Since XXXX XXXX I have agreed to pay in monthly installments for the account XXXX, located at XXXX XXXX XXXX XXXX , an apartment I had to leave due to non livable conditions and landlord neglect. I have since been making on time payments of {$110.00}, and completed 2 of the 5 payments. They told me they would be reporting back to the credit bureau positively that I am paying this debt as I make these payments.
On my interaction for attempts to make the third payment, today XX/XX/XXXX after calling several times during the week at a different number provided initially without response, I was told I would need to pay the full remaining balance, or they will report negatively to the credit bureau, affecting my credit score. This is not what I was told, or lead to believe initially upon agreeing to do the monthly installments upon consumer good faith, and futhermore I am being essentially blackmailed/ strong armed into paying a full bill I can not afford to pay or they will report to the credit bureau . This is also during a time of lockdown, pandemic economic crisis, where state and federal government along with cooperation from NY XXXX has allowed for individuals to not have to pay their bill, or be threatened for negative recourse if by negative credit reporting or fees, if they can not afford to pay it from lack of work due to the current crisis. I am currently on unemployment, and working hard to find new work and LJ Ross is pushing me into economic hardships I can not afford to pay safely, while using reporting to the credit bureau negatively as undue and pandemic profiteering leverage. I need immediately for them to not be allowed to report to the credit bureau, and for the debt payment obligations to be put on hold as long as the original merchant XXXX XXXX is offering relief due to hardships during the lockdown.
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| 03/19/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX is reporting a collection account to all 3 of my credit bureaus that is not mines. I have no contract or business dealings with XXXX XXXX XXXX XXXX. I have never received any correspondence from XXXX. XXXX XXXX XXXX stating that they owned this debt nor their intent to pursue collection & report erroneously to my credit bureaus. I have tried disputing and getting this issue resolved with XXXX XXXX XXXX XXXX for some time & see they have had action & lawsuits taken against them for using deceptive tactics to collect bad debts. I have requested documentation to include a signed agreement & proof that XXXX. XXXX XXXX XXXX owns the debt ( along with copies of anyone else who has owned this erroneous debt ). Upon contacting the said original creditor, they acknowledge they do not have any knowledge of this account. XXXX XXXX XXXX XXXX refuses to comply and has constantly changed the dates on my credit file, I believe in an attempt to make this a valid debt. XXXX XXXX XXXX XXXX is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure XXXX. XXXX XXXX XXXX understands the importance of properly investigating my concern. Most recently when I tried disputing this debt I expressed the great financial and credit burden on my family as we were recovering from medical issues. XXXX XXXX XXXX XXXX even ignored those facts and continued to ensue the damaging affect on my family. I will continue to document my efforts to get this issue resolved. If this is not resolved I intend to pursue litigation & seek monetary damages. I am confident I will prevail and will not be interested in settling after legal expenses are paid. I believe it will be in XXXX. XXXX XXXX XXXX ' and my best interest to resolve this issue prior to litigation to avoid unnecessary out of pocket expenses.
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| 05/31/2023 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/XXXX my daughter, XXXX, who was. a XXXX at the time, received a notice from LJ Ross & Associates for a medical bill. I contacted them to correct the information and put me, her parent, as the guarantor and was provided the details of the expense. There should not be any collection account on her credit report as the debt is not owed by her. I agreed to pay the bill to them and provided my debit card information. They were to take three payments, one per month, of {$72.00} starting on XX/XX/XXXX. They deducted payments and I assumed this was resolved.
Today, XX/XX/XXXX, I received a call from LJ Ross & associates. They spoke to my daughter and told her that since she is the patient she owes the money but they could not confirm what or when the services were rendered ; only that she owes it because she is the patient. That is incorrect. I contacted the provider who was unable to locate any record of her or me with a balance due. Upon further investigation I was able to find my own documentation regarding this arrangement.
LJ Ross & Associates was made aware nearly two years ago and confirmed that this debt is not owed by my daughter. They agreed to a payment plan with my banking information to take monthly payments. and corrected the error to ensure that the debt is in my name.
Today this call came to my daughter with an emphatic agent insisting that my daughter owes the money but could not explain what it was for or when. Further when she was told that the patient, my daughter, is not the guarantor, she stated that she owes the money because she is the patient. That is false.
Lastly, no letter or phone call indicating that there is anything outstanding owed. She stated that a letter was sent in XXXX of XXXX to the address on the account which had forwarding and neither of us resided in for over a year.
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| 06/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Since XXXX, XXXX XXXX XXXX has been trying to say, that this debt was mine. It is not. I only found out about the debt after it appeared on my credit bureau. Because it never belonged to me, it never came to my address. In or around XXXX, I started seeing this collection from XXXX XXXX XXXX. I despites it with XXXX XXXX, and it was resolved. Then 6 months later, they sent it to another collection company. And they reported it to XXXX. I disputed it, and there it was also resolved and removed. Then another collection agency got the file and XXXX reported it. I again disputed it and was successful. Then again another credit agency reported it and XXXX once again adds it again to my credit file. After they already took it off a few months prior. I am repeatedly disputing the same charge from XXXX XXXX XXXX. Now XXXX says the collection company certified their collection. This cant be possible, as I have never lived at the address of this dispute. I have never even lived in the city. This is not my debt. I moved in with my boyfriend in XX/XX/XXXX. After I rented my home in XXXX. I have not had electric service since I moved. XXXX XXXX XXXX transferred the service to the renter, and closed my account and returned my deposit and I do have a receipt showing it was paid in full. I sent that to XXXX and have had no problems with them regarding this issue. There is no way they can certify this debt is mine, because I know I moved from my XXXX house to my XXXX house. I bought the house in XX/XX/XXXX and I rented my XXXX house in XX/XX/XXXX. XX/XX/XXXX, was the last time I had electric service in my name. This has already been disputed and resolved numerous times and I should not have to repeatedly dispute the same collection just because they moved to a different collection agency.
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| 10/19/2021 |
Yes |
- Debt collection
- Other debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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My name is XXXX XXXX and I have an issue with LJ Ross Associates, XXXX collecting, buying, and selling my private information. They have been placed on my consumer report which lets me know that they have bought AND obtained my personal and private information without my written consent pursuant to 15 USC 1692c ( b ). No consent is identity theft which is in fact punishable by law pursuant to 18 USC 1028A. This also falls under extortion. Title 18 section 891 ( 6 ) of the United States Code clearly states that " An extortionate extension of credit is any extension of credit with respect to which it is the understanding of the creditor and the debtor at the time it is made that delay in making repayment or failure to make repayment could result in the use of violence or other criminal means to cause harm to the person, reputation, or property of any person. '' Obviously my CREDIT card, which is my social security card pursuant to 15 USC 1602 ( l ), was used and shared in this process. An extortionate means is ANY means which involves the use, or an express or implicit threat of use, of violence or other criminal means to cause harm to the person, REPUTATION, or property of any person. If I am not mistaken, my consumer report is apart of my reputation. So LJ Ross Associates are taking and using my private information and I did not authorize anything! Pursuant to 18 USC 1028, ANYONE who possesses, transfers, traffics, uses, or produces, without LAWFUL authority, any identification document shall be punished. Federal law also states that whoever knowingly participates in ANY way in the use of ANY extortionate means shall be fined and/or imprisoned not more than 20 years. These are public federal laws and there is no excuse for any debt collector to not know and understand them.
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| 10/16/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am entitled to certain rights with regard to this account, and I am seeking your assistance in ensuring that these rights are upheld.
Account Details : Name : XXXX XXXX Account Number : XXXX Collection Agency : L J Ross Associates IN Date of Initial Collection : XX/XX/2023 I believe that the FCRA allows me to request the following information regarding the aforementioned collection account : Verification of the Debt : Please provide me with detailed information verifying the existence and validity of this debt.
Copy of Original Contract : I am requesting a copy of the original contract or agreement that supposedly gave rise to this debt.
Payment History : Please provide a comprehensive payment history for this account, including details of any payments made, charges, and interest.
Name and Address of the Original Creditor : Kindly furnish me with the name and mailing address of the original creditor associated with this debt.
Proof of Ownership of the Debt : I am entitled to see proof that the collection agency indeed owns the debt and has the legal right to collect it.
I understand that, under the FCRA, I have the right to request this information, and the collection agency is obligated to provide it. Moreover, I am aware that the collection agency must cease collection activities until this validation process is complete.
Please consider this letter as my formal request for the information mentioned above. I kindly request that you forward this request to the collection agency involved and provide me with a copy of the validation response within the statutory time frame specified by the FCRA, which is usually 30 days.
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| 11/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I received a call from LJ Ross Associates ( https : //www.ljross.com/ ) on XX/XX/20. The very rude individual claimed that I owed XXXX XXXX XXXX XXXX XXXX {$68.00}.
I had lived in the greater XXXX XXXX area 2 years ago. They correctly stated my street address from that residence.
Due to the aggressive nature of the call and my knowledge that I did not owe XXXX XXXX XXXX anything, I ended the call. I then called XXXX XXXX XXXX, who researched my past account and verified that I had paid all balances and closed the account properly. They also verified that they had not enlisted a collections agency as I had no debt with them.
I called LJ Ross Associates the next day ( XX/XX/20 ). The same person answered the phone ( a very young-sounding female ). She was able to identify my account from my phone number, but incorrectly gave my address as the title company in XXXX, CA that handled my home sale. She then correctly stated my prior home address ( XXXX XXXX XXXX XXXX XXXX XXXX, CA ).
I informed her about my conversation with XXXX XXXX XXXX. She told me that was not true, and that they had been retained by XXXX XXXX XXXX Accounts Payable, and that I should call them and talk to a Supervisor. I informed her I had spoked to a Supervisor, and again informed her what they had said. She said that they had all my info, including my social security number, and that if I did not pay they would escalate collection procedures.
I asked what State they operated in, as I was going to call law enforcement. She said " Good luck with that '' and hung up.
I am very concerned that this entity has my information. Please direct me how I can file a claim against this company.
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| 08/07/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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( # 1 ) Upon reviewing my credit reports, I found a collection account listed under a company called LJ Ross. On X/XX/17, I sent them a letter disputing the account. I requested validation of the debt. They were informed that if they can not validate the debt that as per FCRA 611 ( a ) ( 5 ) ( A ) they must delete it. They had 30 days to validate/verify this debt. ( # 2 ) This is proof that LJ Ross received and signed for the letter on X/XX/17. ( # 3 ) Collection letter from LJ Ross dated X/XX/17 received telling me that XXXX had turned this account over to them and that I had 30 days to dispute the validity of the claim, although I have proof that they had already signed for and received the dispute on this account. ( # 4 ) These are copies of the LJ Ross account on my XXXX account showing that they complied with the FCRA regulation to mark my account as disputed. They did this within the required timeframe. ( # 5 ) Letter from LJ Ross dated XXXX/XXXX/XXXX, This was a basic letter saying they received my dispute, they enclosed 2 statements and that was it. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized statement does not constitute verification. ( # 6 ) Copies of the XXXX statements sent with the above letter. ( # 7 ) My reply letter to LJ Ross dated XX/XX/XXXX. I let them know that they have AGAIN failed to provide me with any viable evidence of the account being reported accurately. They have basically put that account on my credit report, sent me an old statement with no proof and never responded again. ( # 8 ) Proof that the letter was received and signed for on XX/XX/XXXX.
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| 04/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
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Web |
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On XX/XX/2018 at approximately XXXX XXXX ( eastern ), I ( XXXX XXXX XXXX ) called LJ Ross ( XXXX. XXXX XXXX , XXXX, XXXX XXXX, XXXX, MI XXXX, XXXX ) and asked to speak with a supervisor. I was transferred to a supervisor by the name of XXXX. I related to XXXX that I was unhappy about the communication that one of his representatives had with my father ( XXXX XXXX XXXX ). I advised XXXX that someone called my house last month and that they shared the debt amount ( {$1600.00} ) and the debt originator ( XXXX XXXX XXXX ) with my father via oral communication at my home phone number of XXXX.
I asked XXXX to research who made the call, XXXX stated that the call was made by XXXX on XX/XX/2018 at XXXX. I then asked him why they would share that information with my dad. XXXX said that my dad must've said he was me. I advised XXXX that my dad would not do that.
I then asked him that when I call the XXXX # to call in, that I am asked to verify my LJR Account # ( XXXX ) and the last four of my security number every time. And I asked him why his representatives when calling out, don't follow that same practice. XXXX stated to me that he was unaware that the touchtone prompts at the XXXX # ask for a persons last XXXX of their social and then said that they do verify name and addresses, but don't always verify the date of birth or social security number when calling.
I am highly upset with their practices and sharing the information with a third party. As I informed XXXX that it severely impacted my relationship with my father and that because of this ; I will be filing a complaint. He said that he will look into it.
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| 09/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Im requesting that you validate the debt below.
L J Ross Associates.
This letter is not a refusal to pay ; however, I would like to advise your company that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, failure to comply with the FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of All the following : ( 1 ). Proof that you either own or were assigned the debt from the creditor.
( 2 ). Proof that you have the right to collect this debt in my state of New York.
( 3 ). Proof that your company carries a bond.
( 4 ). Proof of how your company assessed the outstanding debt.
( 5 ). Payment history from the original creditor.
( 6 ). Name and address from the original creditor.
( 7 ). Copy of the original contract bearing my signature.
( 8 ). Chain of title on this debt.
( 9 ). Proof that you can collect this debt from me.
( 10 ). Do you own it or is this debt assigned?
( 1 ). Copies of all letters sent to me from you and from the original creditor.
( 2 ). How much did you buy the debt for?
( 3 ). When was the last date a payment was made on this debt?
( 4 ). What fees/interest was tacked onto the debt?
( 5 ). How were the fees determined?
While validating this debt, you must cease all collection efforts until you can send me all sufficient proof as listed above. If you choose not to send me the proof requested, You must delete the reference account from all three-credit reports.
Thank you for your time and cooperation.
Sincerely,
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| 05/14/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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Over the past 14 months I've disputed a incorrect amount of a collection, via credit bureaus all of which results cone back " vaild debt or amount ''. Today with acknowledgment, I recorded the calls w/ LJ Ross collection agency , after XXXX and XXXX both supervisors told me that if I was disputed the amout of debt, the information would need to be confirmed through original creditor. XXXX, when asked how were LJ Ross to render a decision to credit bureaus over the past 13 months, WITHOUT verifying data..no answer was given. Upon calling XXXX and speaking w/XXXX he informed me that XXXX no longer report to credit bureaus effective 2018, futhermore my account is listed as CLOSED, all and any information MUST come from LJ Ross. If LJ Ross is telling you they must call us to get information regarding your account to send you is INCORRECT ... XXXX went on to read XXXX protocol in how they do not handle, deal or report to credit bureaus and went on to read that all consumers are referred back to the collection agency. When called back to inform XXXX another supervisor about information I just received, he asked that's not true ... and asked " so how much do you think you owe ''?, " we just need to get you a summary of your accont '',. When pushed him as to how this information was NOT already available, considering I made ANOTHER request XX/XX/XXXX, XXXX became defensive stating, I was being threatening '' ... .I called back to XXXX to express my findings, and they opened another dispute and recommended that I file a complaint with CFPB, due to all the inconsistency.
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| 12/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
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Web |
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In XX/XX/XXXX LJ Ross Associates began contacting me about a debt that they claimed that I owed to them. During the initial phone call, which is recorded by the company, I disputed their claim informing them that I have no connection to or ever received any service from LJ Ross Associates. In XX/XX/XXXX I received a copy of my credit report and found that LJ Ross Associates is reporting an unverified debt. I have disputed this four times with all three credit bureaus and twice with LJ Ross Associates directly.
On XX/XX/XXXX I sent a certified return receipt letter requesting that they validate this debt they are attempting to collect within 30 days. They received the letter on XX/XX/XXXX and refused to respond yet continued to update their negative reporting on my credit reports every month following the receipt of the letter. On XX/XX/XXXX I sent a follow up letter requesting that they remedy the situation and they responded by sending me an account analysis from a utility company which does not validate that I owe a debt to LJ Ross Associates.
LJ Ross Associates has failed to provide me with any documentation bearing my signature showing that I have a contractual obligation to pay LJ Ross Associates for the debt that they are reporting on my credit reports. I have never entered into a one month termed contractual agreement with LJ Ross Associates. However they are reporting these inaccuracies on my credit report in addition to a seriously past due negative payment history. I request that this entry be removed from all of my credit reports immediately.
|
| 04/06/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
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Web |
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I received a letter from a collection agency for a XXXX bill in regards to an old account. I went ahead and paid the bill in the amount of {$570.00} for account number XXXX. A week later I get a letter form another collection agency I know owe {$200.00}. I called the debt collection company and told them a bill for XXXX was just paid and they said they would close the account out. This was back in XX/XX/XXXX. On XX/XX/XXXX XXXX sent me an alert stating there was a new collection on my credit. I called LJ Ross the new collection company and told them the same info I told the last company. They in return told me that verified the debt and suggested I call XXXX. On XX/XX/XXXX I called XXXX and spoke to a customer service rep and he told me something did n't look right. He stated there was a account opened on XX/XX/XXXX and closed on XX/XX/XXXX. He then stated there was a new account with the same address opened on XX/XX/XXXX and closed on XX/XX/XXXX and said it did n't make sense. He then gave me the number of the department who handles closed accounts. The lady on the phone at that point would n't let me speak two words before interrupting me and saying you owe it and the last person had no idea what they were talking about. I kept asking can you please explain the XXXX account that was activated the same day the last account was turned off at the same address. She would n't. I then asked to speak to a manager and she stated one would call me back by the end of the day. As of XXXX EST I have yet to receive a call.
The XXXX account numbers are : XXXX XXXX
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| 03/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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A XXXX residential utility account # XXXX was fraudulently opened in my name some time around XXXX.
I dd not sign up for this account, have never paid on this account, and was unaware of this account.
I received a bill at my home address in New Jersey dated XX/XX/21 from XXXX stating I owed {$480.00}. Repeated attempts to resolve the issue with XXXX were unsuccessful ; REF # XXXX.
I was given a supervisors number to assist me in resolving the issue as they confirmed they could not verify the account was opened by me not have I even paid on the account and I live in a state where XXXX does not operate. I was given a Supervisors phone number XXXX. The call was never returned and the matter was sold to a collections agency LJ Ross XXXX Acct # XXXX.
LJ Ross informed me they would hold off on submitting the debt as in collections status until they could investigate the identity fraud claims made ads I was bale to provide evidence that the debt was not mine. Despite providing all requested information and sending a letter asking for verifiable documents substantiating the account as outlined by the Fair Credit Reporting Act.
This account is now reported as collections status on my credit reports and is having an adverse affect on my credit score. Up to this point I have had an excellent credit rating.
I have made every effort possible to substantiate that this is a clear and obvious example of identity theft.
I need assistance to resolve this matter and have this removed form my credit rdeports.
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| 12/13/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In alignment with the Truth in Lending Act ( TILA ), designed to protect consumers against abuse and deceit by creditors, I find it necessary to bring to your attention several violations that I believe have occurred in my case : 1. **Fact : ** The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors.
2. **Fact : ** I am aware, and I have proof attached as Exhibit A, that XXXX XXXX XXXX is in violation of 15 USC 1692.CA. A debt collector may not communicate with a consumer in connection with the collection of any debt.
3. **Fact : ** I am aware, and I have proof attached as Exhibit A, that XXXX XXXX XXXX is in violation of 15 USC 1692B ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt.
4. **Fact : ** I am aware, and I have proof attached as Exhibit A, that XXXX XXXX XXXX is in violation of 15 USC 1692.8755. Not using any language or symbol on any envelope or in the contents of any communication, effected over the mails or telegram, that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
5. **Fact : ** I am aware, and I have proof attached as Exhibit A, that XXXX XXXX XXXX is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language, the natural consequence of which is to abuse the hearer or reader.
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| 11/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XX/XX/XXXX a balance of {$890.00} from my previous place of residence was transferred to my account with XXXX XXXX XXXX at my new place of residence. After this balance was transferred to my account my utility service was suspended and I was left without power. Upon contacting the Power company ( XXXX XXXX XXXX ) I was informed that my power service could not be restored until I paid a portion of the balance. On XX/XX/XXXX I made a payment of {$700.00} to XXXX in turn restoring my electric service. The remaining balance was paid off through the following billing cycles. On XX/XX/XXXX L J Ross Associates Reported to my Credit Report that I had a debt in collections in the amount of {$890.00} with the original creditor listed as XXXX XXXX XXXX. As described above, the balance was paid in order to restore utility service and is no longer owed. On XX/XX/XXXX I filed a formal dispute through XXXX providing this same information, and on XX/XX/XXXX I received the results of this dispute and the information was still incorrect. Upon receiving this information, I immediately called XXXX directly and submitted another dispute over the phone on XX/XX/XXXX. Once again on XX/XX/XXXX the dispute results were returned and L J Ross Associates again failed to properly update the Information as the status column stated " unpaid '' the balance amount column stated " {$890.00} '' and the date of last payment column remains blank. This debt does not exist and must be removed from my credit report immediately.
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| 05/25/2022 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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LJ Ross send a notice on XX/XX/2022 that does not comply with 12 CFR 1006.34 The notice does not include the account number provided by the creditor the purpose of which is to permit the accused debtor to identify the debt per 12 CFR 1006.34 ( c ) ( 2 ) ( iv ). Instead it only includes the optional reference code permitted by 12 CFR 1006.34 ( d ) ( 3 ) ( ii ).
The notice does not include the name of the creditor per 12 CFR 1006.34 ( c ) ( 2 ) ( v ). Instead, the notice provides a name that is not a legal entity under Michigan law.
For example, while the notice references " XXXX XXXX XXXX XXXX XXXX '' there is no corresponding amount due on the purported creditor 's accounts with XXXX XXXX so the actual creditor must be a different entity than XXXX XXXX proper.
From the provided information, the purported debtor is unable to identify who the creditor is or any account number to reference in order to attempt to correlate the notice with a statement or creditor.
The undersigned has been in contact with XXXX XXXX proper for over six months regarding insurance billing errors on the part of XXXX XXXX which have still not been resolved and have been provided representations that until resolved accounts would not be sent to collections. The creditor would provide partial payment for amounts not in dispute, however XXXX XXXX will not allocate payments to certain designated invoices and for that reason the creditor is unable to pay because payments may be applied to disputed amounts.
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| 08/28/2022 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received notice from LJ ROSS ASSOCIATES , INCXXXX about an alleged debt reporting on my consumer report that I was requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, XXXX5 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210 ; therefor I demand VALIDATION and VERIFICATION of this alleged debt. I certified mailed this letter to LJ ROSS on XX/XX/2022 which I have proof that I sent it and they received it. But never sent me the Documentation I requested.
again on XXXX XXXX I sent LJ ROSS another letter requesting all of the documentation for VALIDATION and VERIFICATION of this alleged debt they said I own them and one again they never sent it to me. now please keep in mind they I have gave them a substantial amount of time to get me all the documentation but they still haven't gave me what I asked for Now this is my third attempt reaching out to LJ ROSS ASSOCATES, INC. on XXXX XXXX for the documentation that i requested months ago asking for VALIDATION and VERIFICATION and once again they haven't sent me the proper documentation that I have been asking for.
1. Account number XXXX IN ACCORDANCE WITH THE FDCPA 15 USC 1692- I THE CONSUMER HAVE THE RIGTH TO PRIVACY ALSO IN ACCORDANCE WITH THE FCRA 15 USC SECTION 604A SECTION2 - IT STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
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| 05/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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In XX/XX/XXXX, I reached out to XXXX to notify them concerns of about my meter being hacked and used as a shared meter. My utility bill was consistently 400 % higher than the average for the area. I reached out to XXXX to make them aware of the issue and asked them to look into the matter as shared meters in XXXX are illegal and I can not be held liable for the charges. XXXX never got back to me and I ended up moving out of the apartment and ending my service with XXXX. From XX/XX/XXXX to XX/XX/XXXX I was not in my unit AT ALL, yet received a utility bill for over {$700.00} during that time frame. I have evidence of not being in XXXX during that timeframe.
In XX/XX/XXXX, LJ Ross Associates attempted to collect the debt from me via phone calls and letters. On XX/XX/XXXX I disputed my debt with LJ Ross Associates via a written letter sent with USPS secured mail. I never heard back from them on the matter. I provided documentation as to why I do not believe I owe the debt. They never called me about it again.
On XX/XX/XXXX I received a major derogatory mark on my credit report from them for the same matter. I have not received 1 phone call or written letter from them since XXXX, over 2 years ago. They hit my credit report without contacting me at all. They have also not validated the debt. I provided email correspondence with XXXX, the debt holder, on why I do not think I am responsible for the charges. No one from XXXX or LJ Ross has reached out to me.
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| 05/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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In XX/XX/XXXX I called XXXX XXXX and told them that a fraudulent utility account was showing up on my credit report. XXXX XXXX XXXX informed me that I needed to make a police report, and complete an affidavit in order for them to investigate the matter further. On XX/XX/2019 I contacted XXXX XXXX XXXX again in regards to a suspicious utility account that I found on my credit report that was not mine and again explained to XXXX XXXX that I had an affidavit, and police report reporting the identity fraud for the fraudulent utility account and was advised by XXXX XXXX XXXX to fax it to their Collection Dept which I did. XXXX XXXX XXXX informed me that they were in receipt of the documents and would need 90 days in order to investigate the matter and that they could not delete the account from my credit report because the account had been sold to a collection agency- LJ Ross . On XX/XX/XXXX I also contacted LJ Ross and told them that I had been a victim of identity theft, and that I had an affidavit and police report corroborating that, and asked them to remove the account from my credit report and to stop reporting it to the credit bureaus. LJ Ross advised me that they could do neither until XXXX XXXX XXXX told them that their investigation was complete. It has been past 90 days and this account is still showing up on my credit report. It is the responsibility of the furnisher to report accurate and correct information per the FTC
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| 06/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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Bankruptcy in XXXX in WI as part of divorce. Moved out of state. Attorney amended bankruptcy at hearing to include utilities. Utilities marked " closed '' on all of my credit reports with a XXXX balance. I did not receive a bill. Attorney told me everything was taken care of.
Received a letter from L.J. Ross Associates, INC in XX/XX/XXXX. An attempt to collect a debt for XXXX XXXX in WI for {$250.00}. If I did not respond in 30 days they would assume the debt is valid and place a judgement against me for the debt. I called L.J.Ross and was told that it was from XXXX. I should call XXXX XXXX about the debt.
I called XXXX XXXX and they could not give me a meter reading or dates of service for this debt. The agent told me that they did not accept the amendment to the bankruptcy. Agent also said the bill was larger and they reduced it. I asked why it was 4 years old and was told they sent it to another agency and had recently changed to L.J. Ross who were more aggressive. I stated I have never received a bill before they sent it to any collections. Agent also told me it was out of their hands and I should again call L.J. Ross.
It has been over 4 years without any notification or communication about this debt.
I am told to call the utility company by the collection agency and told to call the collection agency by the Utility company.
XX/XX/XXXX the collection agency shows up on my credit report.
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| 11/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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L J ROSS ASSOCIATES IN is a privately owned collection agency is in violation of the Fair Credit Reporting Act, 15 USC section 1681 ( i ) and 15 USC 1692 ( a ) ( 5 ) there is no debt. This collection is not this consumers account. This assumed debt was charged off after an internal credit in the amount of the loss in order to XXXX out the balances and close the account. The loss balance is then transferred from the XXXX XXXX XXXX to the XXXX XXXX XXXX which opened up another fraudulent. The agreement is satisfied, the terms of the agreement is satisfied and the account has been XXXX out and the contract has been satisfied. This consumer is only responsible for the XXXX account closed. So if the account that is closed and the contract that created the account, that contract has been satisfied then L J ROSS ASSOCIATES IN has no claim. I hereby irrevocably refuse to consent/contract to L J ROSS ASSOCIATES IN agencies because there is no law required for this consumer to do so. Until L J ROSS ASSOCIATES IN agency can provide a lawful authority by which this consumer is subject to comply with submitting to any debtors collections or jurisdiction in violation of my rights to be free of involuntary servitude. This consumer dispute this debt and all claims to contract in accordance with 15 USC 1692 ( g ) L J ROSS ASSOCIATES IN is hereby warranted to Proof of Claim in Arbitration.
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| 05/17/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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A letter was sent to LJ Ross and Associates on XX/XX/22 via Certified Mail requesting the name and address of the original creditor, the account number and amount owed, verification that there is a valid basis for claiming I am required to pay the current amount owed, details about the age and amount of the debt, including the last billing statement from the original creditor, detailed explanation of interest added or payments made since the last billing statement and legal authorization for this interest. I also requested the date the original date the creditor claims this debt became delinquent, whether this debt is within the statute of limitations and how that was determined. Requested were details about the authority for this company to collect this debt, whether they are licensed in my state, the license number, name, address and phone number of the state agency issuing that license. This letter was sent for account number XXXX, XXXX, XXXX and needs to be verified for any and all accounts that LJ Ross holds for XXXX and/or XXXX XXXX.
I received nothing back from this company to validate any debt therefore according to the Fair Credit Reporting Act, I am not required to pay this debt as I am unable to validate this debt. I tried to dispute this on my credit report, however XXXX was unable to verify my account for me to access my dispute feature at this time.
|
| 10/28/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Your agencys failure to rebut, address, answer or respond to Conditional Acceptance upon Bona Fide Proof of Claim, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX and Conditional Acceptance upon Bona Fide Proof of Claim, dated XXXX XXXX XXXX XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. Your agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory Judgment, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, created a Summary judgment. Your agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Summary judgment, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, created this Final judgment, dated XXXX XXXX XXXX XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, with prejudice of the facts in this matter stated herein and will and shall stand XXXX XXXX, under full faith and credit in any and all courts in the land from beginning of this matter, XXXX XXXX, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
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| 11/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I was a utility customer with XXXX XXXX XXXX in Pennsylvania. XXXX contracts with LJ Ross for asset management and collection. I was referred to LJ Ross for an amount owed when changing addresses, without notice and/or the chance to dispute the amount. Amount was never verified before showing on my credit report. XXXX as original creditor would not communicate with me, so I was forced to negotiate with LJ Ross to settle for removal of the account for an amount. I paid the settlement amount, but the account was not removed, only updated to a paid, open account and re-aged. I recently discovered that LJ Ross never communicated to XXXX the settlement amount and was recently contacted by XXXX this fall that I owed a balance on the unpaid disputed amount. I contacted XXXX to inquire about the account and for verification, and they told me they would investigate. I received a second letter informing them that I owed an additional balance from my prior address that would be tacked on to my current address bill, and when I contacted them to ask about the result of the investigation, they told me to contact LJ ROSS for proof of settlement. I contacted LJ ROSS whom mailed me the proof of settlement in full, but not the date of the agreement or the information related to terms of settlement that involved deletion of the incorrect account from credit reports.
|
| 08/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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In XXXX of XXXX I noticed a collection account on my credit bureau. I sent a letter to validate the debt to the collection company.I received a postcard back from LJ Ross stating the original creditor name and the date of service of XX/XX/XXXX, they stated the included an itemized statement, but there was no itemized statement. I tried to contact the original creditor and they stated they dont have any information, that I had to deal with LJ Ross .
That all being said, I have XXXX LJ Ross directly, a handful of times. The most recent call was today XX/XX/XXXX, I spoke with a representative and they were very rude and said they dont have any information or history or agreement with my signature that they can send me to prove what they are trying to collect. She said she was not going to argue with me that I owe the alleged debt and I asked for a supervisor. The supervisor was even more rude, basically stated that she isn't going to go back and forth, and she stated that the balanced is owed and they are not sending me any information and she hung up on me.
They are violating FCRA and FDCPA laws and if they are reporting an alleged debt on my credit report and they cant provide any proof that I owe this debt, it needs to be removed and all collections need to cease.
Ive attached my letter I sent them as well as the response they sent me,
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| 10/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I recently contacted XXXX 's Special Handling Department to inquire about a collection account that's being reported on my credit profile. I am not responsible for this account, have no knowledge, and have never had an account with that creditor at that address. I asked if the reporting creditor had provided proof of ownership for this disputed account.
Surprisingly, I was informed that XXXX does not typically request validation documentation. Instead, they rely solely on a response from the creditor, deeming it valid. I then raised a crucial question : How does this process guarantee the accuracy of the reported account information? In response, I was informed about their operational procedures and advised that if I wished to challenge the accuracy, I would need to request this information directly from the creditor. Otherwise, XXXX would continue reporting inaccurate information.
I emphasized that I had already raised this issue with the creditor through the Consumer Financial Protection Bureau ( CFPB ). In response, L.J. Ross Associates Company stated that the complaint did not belong to them. They mentioned the possibility of reopening the request but cautioned that if the creditor responds again with validation, XXXX will continue to report what the creditor wishes. This would leave me with no recourse but to file another complaint.
|
| 09/02/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
|
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Dear Consumer Financial Protection Bureau, XXXX XXXX, writing to clarify that this debt in dispute, may be illegal in his collection process.
According to FDCPA ( Fair Debt Collection Practices Act ) 809. Validation of debts ( a ) Notice of debt ; contents ( b ) Disputed debts, firstly, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt so If the company does not provide verification within 30 days, the FDCPA prohibits them from continuing to contact you or reporting the debt. And the company didnt provide itemized bill statement as I requested. But they suddenly report to credit bureaus after one year of the initial communication.
I doubt the amount is not correct. The company did n't provide itemized bill to validate this amount, but they still report to all the 3 credit bureaus.
Secondly, the company fails to provide the validation response in 30 days, but they continue their collection activities suddenly after one year.
Thirdly, in the coming notice letter, they did n't mark the steps how to dispute and legal rights that I can dispute. I was only told I owe the money, and they assume it is valid.
Therefore, I think this collection report is illegal. Please help me how to appeal to this collection case?
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| 01/26/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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On XX/XX/2022, upon viewing my XXXX credit report, I notice a significant decrease in my score. I telephoned and spoke with both XXXX and XXXX representatives. I was informed that there was a medical bill from XXXX XXXX XXXX XXXX submitted by L. J. Ross XXXX XXXX. I then contacted both XXXX XXXX XXXX and L. J. Ross, I was informed by XXXX XXXX that when an account is not pay in XXXX month the account to transferred to collection. However, I stated I had not receive any overdue account notice from L.J. Ross. I did was allowed to bring my account current by paying {$100.00} to XXXX XXXX XXXX XXXX.
I was informed by XXXX XXXX XXXX XXXX that a notification would be sent to L. J. Ross of my payment and it would be L.J. Ross decision to remove the collection from my credit report. Then I notified L.J. Ross of my payment to XXXX XXXX XXXX XXXX. I was informed LJ Ross will wait for XXXX XXXX XXXX XXXX to notify them regarding my account payment. However, they could not ensure me that the debt reported on to the credit bureau will get removed from my credit report. I am disputing that I was not notified by XXXX XXXX XXXX XXXX of this debt being at risk of collection nor did L.J. Ross ever sent me a correspondence regarding a debt collection.
|
| 04/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
On XX/XX/2021, I notice a new collection which dropped my credit scores 59 pts, It dropped my credit scores while in the middle of purchasing a home. L J ROSS ASSOCIATES, INC was contacted immediately via email. And after receiving a email from a XXXX XXXX a LJ ROSS ASSOCIATES she stated not to email LJ ROSS ASSOCIATES, INC anymore due to no such account is listed in my name with the account listed and to only reach them at telephone number listed XXXX. On XX/XX/XXXX, I spoke to a representative name XXXX who state she could not locate an account number listed with my name and social security number but insisted she could not remove it unless we send her company an email with the credit bureau listing it. I totally disagree with this first of all I have reside at my address for over 20 year and after researching the Original lender which is XXXX XXXX - I never heard of this company which is located in Wisconsin. PLEASE HELP i totally feel that I am being discriminated against and I will be completing a POLICE REPORT FOR THIS FRAUDULENT ACCT!! XXXX did not try to resolve this account after not locating no such acct with my address and social security number she refused to assist me any further and this is totally discrimination.
|
| 12/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I am writing to file a formal complaint against L J Ross Associates Inc., located at XXXX XXXX XXXX XXXX XXXX XXXX, regarding a utilities collection account that I believe has been erroneously reported under my name. This complaint is filed due to the significant financial hardship and distress this situation has caused, including the denial of housing opportunities. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Partial for security purposes ] Company : L J Ross Associates Inc .
Incident Description : I have recently become aware of a collection entry on my credit report from L J Ross Associates Inc. for a utilities debt. I dispute the validity of this debt and contend that this collection is either a mistake or a case of mistaken identity. The presence of this collection on my credit report has severely impacted my financial standing, leading to the denial of housing applications, which has in turn caused me considerable distress and hardship.
Actions Taken : I have attempted to resolve this issue directly with L J Ross Associates Inc. but have not received a satisfactory response or resolution.
I have not received any prior communication regarding this alleged debt before notifying it on my credit report.
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| 08/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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My one and only encounter with LJ Ross Associates : On XX/XX/XXXX my credit score suddenly dropped 150 points from XXXX to XXXX. Research showed this was due to a collection report filed by LJ Ross. Upon calling LJ Ross, it proved difficult to obtain information on the fraudulent report. After being transferred to a supervisor who only identified himself as " XXXX '' I discovered the alleged creditor was XXXX XXXX XXXX XXXX.
I called XXXX to inquire about the problem and they told me there was a charge to my account over 4 years past the point I had sold the property and asked them to cancel the account. XXXX said they would correct the clerical error and show my account closed in XX/XX/XXXX, thus invalidating the XX/XX/XXXX charge.
The issue here is LJ Ross ' tactics to contact me. In lieu of sending a letter or making a phone call, they elected to obtain my immediate and undivided attention by reporting the fraudulent collection to XXXX, XXXX and XXXX. Perhaps legal, but this action is highly unethical. Their utility company clients engage their services under the presumption of adding some value to the process. What 's the value of libeling a former customer who has paid XXXX over {$50000.00} in the course of 24 years?
|
| 06/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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XX/XX/2022 I received a debt collection notice from L J Ross XXXX XXXX XXXX XXXX MI XXXX This was for {$100.00} owed as of XX/XX/2022 on my rental property in Maryland. this was close out on transfer to the tenant.
I had not previously received a bill. My account was current as of XXXX XXXX. I went online to my account and verified that I was set for ebill. My bank is XXXX. The ebill never showed up or it would have been paid. No paper bill that I recall or can find. I paid the bill directly on line to XXXX XXXX ( first energy ) then called the debt collection agency. " XXXX '' at LJ ross stated that XXXX XXXX now gives all their final bills to them apparently with out actually making any attempt to actually collect them as usual before hand. We wonder if this is a scam as PE was hacked last fall. We wish to know why our credit score which is excellent should be subjected to t his attack with out any notice what so ever. I thought one had to have two notices before things were sent to collections. I emailed XXXX XXXX and attempted to call them but did not have the patience to wait 30 to 45 minutes to talk to a human being. Be wary of this company 's billing practices and the potential for scams with stolen information.
|
| 09/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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There's an invalid and unverified debt collection account on my credit report. I've made several attempts for verification such as original statements and a contract with my signature, the nature of the account, etc. I also requested a copy of their license to collect in the state of Michigan. I have sent several letters via certified mail to the collection agency for over a year. I have not yet gotten a response. This account does not belong to me.
Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
|
| 06/06/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
As of 2009 after seeking to obtain my credit reports to apply for a large purchase in the near future discovered several credit cards and other accounts opened without my consent filed for a investigation in regard to identity theft. After 4 years of failed attempts with XXXX credit bureaus I obtained assistance from the organization clarifi, along with filing a identity theft victims complaint & affidavit with the FTC. After further investigation & verification of the documentation supporting my claim the XXXX credit bureaus finally corrected the issue by deleting all the accounts opened without my consent. However I was XXXX for nearly 5 years unable to obtain employment and ineligible to buy a house or car and to this day still have several problems due to the credit bureaus negligence. They continue to place inaccurate incorrect and negative data on my credit profile. After sending several requests and getting no response or the inappropriate response am now seeking legal action to file suit for the violations in accordance with the FCRA ruling & guidelines. I am currently XXXX and XXXX by these practice 's which prevent me from gainful employment, purchasing real estate and buying a vehicle.
|
| 10/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX for of my social security is XXXX To whom it may concern, On a recent review of my credit report, I discovered your company reporting the collection account on my credit reports. In regards to the Fair Debt Collection Practices Act ( FDCPA ), I am notifying you that I am disputing this debt in entirety, and you are to provide me with validation of the debt by providing me ALL of the following information : Copy of original contractual agreement bearing my signature between me and this company. A clause in the original signed contract that authorizes you to collect on this debt. ALL Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. If youre Can not provide EVERYTHING I ask for to to validate the account, then you are to remove the collection account from my credit reports.
|
| 12/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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Relocated to another state and received the final bill of {$400.00} on XXXX that would fall due on XX/XX/XXXX. Paid the entire bill on XX/XX/XXXX, but the balance was sent to LJ Ross Associates for collection on XX/XX/XXXX although the bill was paid on XX/XX/XXXX. A representative told us we had 60 days to make the final payment before it would even be sent to a collection agency, so we paid it before the 60 days past due mark.
The collection agency and XXXX ( XXXX ) have been going back and forth about this since XXXX, and since then, the collection agency has now put this balance on my credit report, and it is being reported to all 3 reporting agencies although this was paid on XX/XX/XXXX, and it should never have gone to a LJ Ross Associates. LJ Ross Associates has constantly received information from XXXX stating we owe the {$400.00}, but when we call XXXX, they state we paid it on XX/XX/XXXX and it should have never gone to an outside collection agency, and they say they have been sending information to LJ Ross Associates showing that we paid the balance on XX/XX/XXXX. This is frustrating and all the while, it has caused my credit score to dip over 20 points.
Please help!
|
| 07/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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On XX/XX/2021 I XXXX XXXX sent a debt validation letter to XXXX XXXX for an alleged debt owed. On XX/XX/2021 they breach my right to privacy which is a violation of 15 usc 1681 with a false certain and deceptive form. Which is a violation of 15 usc 1692J and 18 usc 1341. I never did business with this company so I don't know how they got my personal information which is a violation of 18 usc 1028. In this form I received they told me that it was an attempt to collect a debt. Which is a violation of 15 usc 1692b ( 2 ). Also they had their logo in the contents which is a violation of 15 usc 1692b ( 5 ). They also harmed my reputation by reporting this false information on my consumer report which is a violation of 15 usc 1692d ( 1 ). They also used obscene language by telling me I owe an alleged debt and this was an attempt to do so, which is a violation pursuant to 15 usc 1692d ( 2 ). They also tried to make me pay the alleged debt by advertising it on my consumer report for companies to see, which is a violation pursuant to 15 usc 1692d ( 4 ). Since I know deletion is admission, I now that they know they violated me. Every attached document, I have also sent to the company.
|
| 05/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
on or about XX/XX/2023, I reviewed my consumer credit reports XXXX, XXXX, and XXXX XXXX and noticed collections on all three from a third-party collections agency so I decided to send them a debt validation letter requesting information on the so-called debt I requested the following.
an original contract with a wet signature from the original creditor with wet signature.
the name address and and phone number of the original creditor.
an itemized payment history associated with the account as to determine what is owed and/or that may be contested.
proof of ownership of this debt and or whether they are even allowed to collect on this debt per law.
I informed them they had 30 days to produce my request and or cease collection attempts and/or remove this from my consumer credit reports. during my 30-day wait, I discovered that this company via the NMLS that this company is not even licensed to do collections in the state of Iowa, whereas i am more than sure that the company has claimed numerous payments.
I mailed this letter on XX/XX/2023 it has been about 50 days and I have yet to hear back from the company and those items are still on all three consumer reports.
|
| 01/31/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
As of today XX/XX/XXXX, L J Ross & Associates have violated my rights in multiple ways. On XX/XX/XXXX, I mailed out Certified Mail with signature request a debt validation letter and LJ Ross & associates received and signed for my debt validation letter on XX/XX/XXXX. LJ Ross & Associate decided to report a debt on my credit report before giving me any type of communication ( dunning letter ). LJ Ross failed to send me a dunning letter previously before reporting this alleged debt on to my credit report, which I was never given me a chance to validate or dispute the alleged debt. L J Ross also ignored my written request for validation once I was made aware of the alleged debt with requested documents & L J Ross continued to try and collect by continuing to report and update the debt on my credit report. This has caused me damages.
Since L J Ross has yet to validate this alleged debt, I am requesting that it is deleted off every credit agency ( ex : XXXX XXXX XXXX ) that they are reporting to.
12 CFR 1006.30 ( a ) 15 USC 1681n : Civil liability for willful noncompliance 1681n. Civil liability for willful noncompliance ( b ) Civil liability for knowing noncompliance
|
| 12/03/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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A phone call was placed to L J Ross and Associates IN. on XX/XX/XXXX regarding a letter i received stating i had an outstanding debt with XXXX XXXX, they stated they could not tell me what the debot was for and i need to call the Bank. I then called the bank and they explained they do not have the records of my debt due to the age of the debt and i would have to order them from the collection agency if i am distributing. I thna call the agency back and spoke With XXXX whos assigned to the file, I explained I am disputing the debt and officially requested the transcripts showing the valifty of the debt. at that time the pursuit of the debt should have stopped until i received the documents requested, XX/XX/XXXX i received a notification from my credit monitoring app stating they had reported my debt to the XXXX prior to my receiving the documents which is a violation of the FDCPA, I spoke with XXXX XX/XX/XXXX and explained i have not received the docs, she explained they "sent them out at the end of last month" which was two days ago, this has since lowered my credit score 17 points prior to me receiving the documents, I have both conversations recorded
|
| 05/02/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I received several calls from XXXX at the end of XXXX . I answered several times and there was silence or a hang-up. In late XXXX they called again. I answered and the party identified themselves as being from LJ Ross a debt collection firm. They asked me to identify myself which I did and they proceeded to tell me that there was a bill owing XXXX ( XXXX ) from a house I had sold in PA for approxiametely XXXX . I told them I was never notified about any owing amount and said I would call XXXX to verify. At no time did I receive any form of written communication either from XXXX or LJ Ross . To my knowledge all bills were paid at closing of house sale. I called XXXX and indeed verified the debt and that LJ Ross was their collection agency. I then called LJ Ross and immediately paid the bill but they had reported it to credit bureau. I never received anything in writing to notify me of their legitimacy or the debts legitimacy or dispute it. They had my current address on file and XXXX had my email address on file. Totally inappropriate action on their part and quite disturbing. Not to mention inappropriate reporting to credit bureau.
|
| 09/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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On Mon, XX/XX/2019, XXXX called me at XXXX XXXX they did not leave a message. Upon leaving work for the day I decided to call the number back in case it was business. It was a company collecting debt, who did not inform me who they were unless I identified myself, XXXX said she can't tell me who they are and its just a debt! I couldn't get any information but it was a debt, then she hurriedly said LJRoss, unless i verified my DOB I couldn't know anything else., I did and she then proceeded to say that I owed XXXX {$360.00} and how was I paying? I said I wasn't and that I needed some form of letter from XXXX to say I owe you. This is the second time ( this year ) someone has referenced this account without saying I had a right to dispute or even allowed to clear it with XXXX. So they have an account and asking for someone who NEVER has let me know a third party has the account, nor has the responding debt collector acted on me asking for verification to the debt by letter. This LJRoss has not sent me any information in the times I have told them to do so. I cant give you an account number or anything as I do not have anything related to this company.
|
| 03/13/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I filed a complaint and it wasn't investigated before it was closed. I had no contract with Ross Associates! I made an agreement with XXXX XXXX XXXX XXXX for utility service not Ross. Ross has no paperwork but insistent that I owed the bill that was reported to my credit 6 months after final bill that I never received. I asked for a copy of XX/XX/XXXX bills or a copy of the final bill. They responded saying I owed without proof and said they wanted me to prove I paid the bill. So I put in the complaint for XXXX XXXX XXXX and Ya 'll couldn't contact them, the original debtors. How can the claim be closed without proof that I owe anything. It took them 6 months after the service ended not giving me a chance to dispute or challenge the bill. I found out 3 years later and never received a bill. Why don't they have to produce proof of me owing the bill especially since they're 3rd party. I was in XXXX when they reported the bill and that's why my services were turned off. I'm in XXXX and have no way of accessing this information and shouldn't have to. The burden of proof should be on them. Not close the case because they said I owed the money.
|
| 11/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
My XXXX of over 30 years was contacted and four voice messages was left with her. His name is XXXX XXXX. She told them to stop calling her and they told her to give us his number or we will keep contacting you. I then contacted the company on XX/XX/XXXX and told them to stop contacting my XXXX XXXX or any other relatives of mine they may have contact info on. I also told them that I wanted a complete total validation of debt with all contract documents pertaining to this debt. i also asked them was was the date of the last action on this account and they told me XX/XX/XXXX. I asked them if the debt is time barred in regards to the statue of limitations and the person told me " I just told you XXXX and the statue of limitations is 6 years ''. I then request again for a full debt validation and he told me to send in written request for it. On XX/XX/XXXX I sent that via XXXX certified mail and it was signed for by someone in the organization on XX/XX/XXXX. To this date over a month a half later I have not heard from them in regards to my debt validation request. I want this removed from my credit report as it is harming me financially.
|
| 08/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My name is XXXX XXXX i informed XXXX XXXX XXXX XXXX also the credit bureaus that my identity was stolen and my information have been compromised into several data breaches and also someone fraudulent accounts have been opened without my knowledge they said they will investigate and they claim they did but i dont have a resolution into this matter under the fcra it states 15 U.S Code 1681s-2 a person or company shall not furnish any information relating to a consumer to any consumer reporting agency if the information is inaccurate i would like these fraudulent accounts removed please because its hurting my credit profile and effecting my ability to take care of my family i filed a police report the police report number XXXX i even sent them copies of the report and have supporting documents and they claim after the investigation everything true and accurate also i have cleared up the matters with XXXX but XXXX is still reporting it on my credit reports XXXX and XXXX removed it already also i informed the credit bureaus about an unauthorized inquiry i found on my report told them to remove it but its still on my credit report
|
| 01/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge.
Further, I certity that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S C. 1001.
Additionally, these misstatements are punishable as perjury under 18 U.S. C. 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money, and, was successful in creating some accounts. All is being invessigated by the FTC account XXXX XXXX Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX this account is reporting to XXXX and XXXX only ( its not on my XXXX account )
|
| 05/19/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
LJ Ross Associates I have sent two letters of verification stating to please validate that these debts belong to me and please also show me the original contract of each debt. I would like to investigate the accounts listed below that the validity of the accounts are correct as well as providing documents with my signature and date and dates of service, that prove the debt is mine. As it states above, if you can not provide these documents to prove the debts are mine, I request that these accounts be removed as well as from the credit bureau in the allotted time.
LJ Ross Associates have not been able to validate these accounts with the documents I had asked for in the allotted time. I know LJ Ross Associates have received my letters of validation as I have sent the letters as certified mail starting on XX/XX/2022. The amounts are {$10.00}, {$180.00}, {$1000.00} This company has over 100 complaints just for debt with the CFPB. How can this company be trusted?
This company has also sent medical information that they should not have access to that violates my right to privacy and has violated HIPPA. This needs to be STOPPED!
|
| 05/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NY, XXXX Email : XXXX XXXX5 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!
Under 15 U.S Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding deletion of the accounts listedIMMEDIATELY!
|
| 01/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I did not find a category that accurately matches my complaint.
I discovered today that there is a collection on my credit report for XXXX dollars from LJ Ross associates, account number XXXX.
I never received any letters, notices or phone calls about this matter until I saw it on the collection report. It turns out it is an electricity bill for a property I don't even own anymore.
I paid this debt immediately, without even knowing if it is my debt or not ( as mentioned, I received no documents whatsoever ).
I was told by the representative that they will put in a request for removal from my credit report, however I have not received so far any document confirming that.
I was also informed that it may take up to 30 days for the information to come off my credit report.
This significantly affects me since I am in the process of buying a home.
I think this collection agency failed to do their job appropriately by not providing me with any notice whatsoever prior to reporting this debt to the credit bureau. Had they done that this matter would have been resolve a long time ago, I didn't even know this debt existed.
|
| 11/15/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XXXX XXXX I contacted the CFPB in regards to a complaint # XXXX that was submitted in XX/XX/XXXX. However I conversed with an agent and I was informed that my complaint needed to be forwarded to the Federal Trade Commission. I called the XXXX XXXX XXXX XXXX and I was not successful answering the security questions accurately in regards to the Derogatory Marks and /or Collections on myXX/XX/XXXXReport and the agent continued to coach me by phone to register on line. Once I set up the online account for the CFPB I viewed the collection account For XX/XX/XXXX and I found LJ Ross # XXXX for {$150.00} that was paid and closed on XX/XX/XXXX. I had no knowledge that the account was there because I was told once the account was paid in XXXX it would not affect my credit at all, it would be closed out. I contact LJ ROSS and XXXX said it will not be removed. I do not think it is fair to have {$150.00} Lingering on my credit report after I was told it would be closed years ago and no reported. On XX/XX/XXXX I also paid {$30.00} to close out any debts in there office. Please remove all debts that were previous paid.
|
| 01/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I contacted LJ Ross Associates on XX/XX/18 at XXXX to inquire about when they would stop reporting on my credit report for a debt profile in the amount of {$1100.00} that was RETRACTED from their company by the original creditor XXXX XXXX on XX/XX/18. They told me that even though XXXX XXXX now has the debt and Im paying XXXX XXXX directly they will still report on my credit report because they can. LJ Ross Associates is actively reporting on a debt that is no longer under their ownership/management and they are double reporting. That makes TWO FCRA violations they are actively participating in. This is an act of malice on their behalf. I spoke directly to XXXX XXXX on XX/XX/18 at XXXX after speaking to the representative at LJ Ross Associates , and XXXX XXXX confirmed for me that they contacted LJ Ross Associates and retracted my debt profile from them. It has been 30 days and LJ Ross is still refusing to delete their entry from my credit report. They have received proper notification and had ample time to do what is lawfully required of them and they have refused!!!!!!!!!!
|
| 10/31/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have a discrepancy on all three of my credit reports ( XXXX XXXX and XXXX ). Their is an account that is listed on all three of my credit reports from LJ Ross and Associates. I had no knowledge of this collection until I needed to put a utility ( electricity ) in my name at my residence. Due to the fact that I needed the electricity on, I did not dispute, verify or validate this collection. The one thing that I did address with LJ Ross is that this collection would be removed from my XXXX XXXX and XXXX credit reports after it was paid in full. This collection was paid in full for {$300.00} in XX/XX/XXXX. I truly thought that LJ Ross and Associates would complete their end of the agreement as I completed my end of the agreement by paying {$300.00} in XX/XX/XXXX. Fast forward to XX/XX/XXXX, while going over my credit reports LJ Ross and Associates DID NOT uphold their end of the agreement in deleting this collection from XXXX XXXX and XXXX This collection was instead marked PAID, CLOSED as of XX/XX/XXXX, not DELETED per the agreement between LJ Ross Associates and I.
|
| 05/22/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
LJ Ross assoc has an account on my credit report from consumers energy in XXXX mi. from XX/XX/XXXX in XX/XX/XXXX they threatened to take me to court. It was for {$2000.00} with fees and interest it came to {$2600.00} so i took out a loan from my retirement fund and paid it off in XX/XX/XXXX.I am trying to clean up my credit report and asked LJ ross to delete the account, they said only if the original creditor asked them to delete it.I contacted consumers energy and they were willing to help me out and made a call to LJ ross. XXXX at consumers XXXX XXXX was refused. So i called LJ ross back and they said he did not ask them to remove it, XXXX called back and was very specific this time and was refused again, so for a third time i spoke with XXXX at LJ ross XXXX she again said that if consumers energy called them they would have the account deleted from my credit report, this time with in XXXX minutes i had XXXX from consumers call LJ ross and again he was refused. I never went to court I payed it off way before the court date came up.please help.Thank you
|
| 12/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have received an email notification from XXXX to check my credit score because it has decreased. After I logged in to XXXX I have noticed a collection account from unknown company called " L J ROSS ASSOCIATES IN '' and the original creditor is " XXXX XXXX XXXX XXXX XXXX XXXX ''. I have multiple accounts with " XXXX XXXX XXXX XXXX XXXX XXXX '' therefore I called " XXXX XXXX XXXX XXXX XXXX XXXX '' to find out what this is about and if I owe any money on any of the accounts to which " XXXX XXXX XXXX XXXX XXXX XXXX '' said I do owe money for a property at XXXX XXXX XXXX XXXX, XXXX IL XXXX. I replied to " XXXX XXXX XXXX XXXX XXXX XXXX '' that I never owned this property and I never had any accounts there but I have represented the seller as a licensed real estate broker and sold the property on XX/XX/2020. Which brings me to conclusion ; I would like to report fraud both on " XXXX XXXX XXXX XXXX XXXX XXXX '' and " L J ROSS ASSOCIATES IN '' and request for this collection to be removed from all credit bureaus and proof of to be provided upon doing so.
|
| 07/25/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I am currently involved in a state mandated medical malpractice mediation for lawsuit against XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WI. They disputed bills involved in the lawsuit to multiple collection agencies XXXX. I PAID the bills to save my credit and filed a claim here. The matter was said to be resolved, now XXXX XXXX is fraudulently resubmitting paid medical debt, again, to various companies. LJ Ross sent me more than one collections letter on XXXX. I responded with a validation of debt letter and validation of collections, collector, names, etc. on XXXX. Within my 30day right to respond, witch I did through certified mail, LJ Ross reported the fraudulent debt in the middle of a Malpractice Lawsuit to the credit agencies ruining my credit and violating my rights. That a is civil and criminal violation of rights. I demand this be removed from my credit immediately and reprimands be made to compensate for this injustice.
Also, I have ALL evidence of lawsuit, former CFPB complaints, emails from lawyers, RECEIPTS, letters, etc.
|
| 03/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Letter was sent to L J Ross in XXXX about collecting on a debt. In the letter it stated for them to send me any information for : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
They sent a letter back with none of this infformation. The sent an account statement from the origial debtor XXXX XXXX. None of the information above was sent.
|
| 04/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
LJ Ross and Associates called me repeatedly over a several month period beginning around XX/XX/XXXX. They called demanding payment for a utilities bill in an apartment I rented in XX/XX/XXXX. Calls from them included robotic calls attempting to obtain my Social Security Number, and collections agents attempting to collect the debt and warning me vaguely about the consequences ( never specified ) if I failed to pay. After Finally paying the amount, giving them my credit card information on XX/XX/XXXX I became curious and reviewed my utilities payment to the company they claimed to be representing ( XXXX XXXX ). All bills had been paid on time, and the month they claimed to be collecting for never had a delinquent payment. Furthermore, they requested around {$87.00}, when the bill amount was {$140.00}. Further research online revealed multiple instances of the company refusing to settle issues such as this, and putting collections tags on credit reports even after the debt was proven to be non-existent.
|
| 08/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This dispute is being filed in regards to my numerous attempts to dispute, remove any/all discrepancies associated with this account from my credit report by said furnisher, LJ Ross .
The following inaccuracies are listed below : - First and foremost I would like to point out the fact that the the original creditor of this account, which is an energy ( utility ) company is located in XXXX, XXXX. I have lived in Arizona ( over XXXX miles away ) for over two years now. So it is quite clear that this debt does not in any shape, form or fashion belong to me.
-an evident inaccuracy you will see in the attachment below regarding this account is the fact that its only reporting to two out of the three credit bureaus.
-Another clearly noticeable inaccuracy is the fact that both bureaus have two different dates on which this account " Last Reported '' ( XX/XX/2023 and XX/XX/2023 ) -.and last but not least two different dates on which the " Date Last Active '' is listed ( XX/XX/2023, XX/XX/2023 )
|
| 04/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
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Web |
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LJ ROSS ASSOCIATES XXXX XXXX XXXX XXXX XXXX Michigan XXXX Back in XXXX of XXXX, the above collection agency threatened to place a collection on my credit report if I didn't pay XXXX left from an original debt of XXXX from XXXX. I thought the debt was paid in full with the security deposit put down on the XXXX account 5yrs prior. When the rep from LJ Ross informed me that there was still a balance, I was annoyed for getting a call for such a petty amount but paid the debt immediately. LJ Ross still placed a collection on my XXXX credit report a week later, reporting the debt after it was paid. I called to inquire why and it was noted in my account that the female representative didn't like my tone during our phone conversation. Not to mention they reported an erroneous amount/date for the original debt. I disputed the dates and amounts with XXXX. XXXX updated my report with the correct amount, date and paid in full but didn't remove. I've been fighting for 6 years. Please investigate.
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| 07/27/2015 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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Phone call received stating they were collecting a debt and I had nothing from them stating what it was for and verifying it was correct. They said they would mail to me but that I owed this money. Less than a week later, they called again and I told them again I still had not received anything documenting what the debt was for. They told me it was sent a week prior and that I needed to contact my post office to see why I had not gotten the letter yet and that I needed to set up payments immediately. I told them I would not do so until I had received something from the post office and it was their responsibility to mail that documentation to me, not mine. A week after, I received another call and ignored it as I still had no documentation. A few days later, they called again and again I let it go to voicemail. A few minutes later, THEY CALLED MY WORK PHONE. This is harassment. The company has not provided documentation and now they are calling my work phone disrupting my job.
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| 01/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Communication tactics
- Called outside of 8am-9pm
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Web |
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I moved from my apt in XXXX XXXX. I called Comed to cancel service to what they told me to wait for my final bill which never came. I have not received any bills and once i finally received that letter in the mail ( 2 days ago ) it said I had 30 days to dispute the validity of the debt ( needless to say I had no idea Comed sent me to collections until I got the letter and saw in my credit report ) I tried to settle and explained to both collection agency and comed that I will pay for the bill but I didnt pay an XXXX bill because I simply never received it. I do not know why I also explained I live in a rental property so the landlord might have taken the mail, I got ONE letter no phone calls no voicemails nothing and now I am trying to settle, pay them the XXXX bucks but they refuse to remove the debt from collections they were despreciative both credit collection and comed only because I am a XXXX woman with an accent they are XXXX and have no compassion please help me.
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| 07/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
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| 03/22/2017 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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LJ Ross has sent me what is on my credit report. This not validating what I 'm asking. Moreover, I am asking LJ Ross Assoc to validate background information with respect to the described account numbers. Since deleterious errors may be contained with respect to what you reported, I formally request that you send all relevant data within the 30 days.In addition, show that the accounts was established legally. I want more than only a cursory account history. Instead, this is a call for a formal documentary review.
If this documentation can not be provided during the time delineated here, data forwarded by you to the credit reporting agencies should not be considered truthful and may indicate L J Ross Assoc 's intention to violate applicable federal and/ or state collection laws. In that case, please erase those bureau reported immediately.
I also ask that no info given is medical description because there are thing that I only want a doctor to know Under the Hippa
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| 05/13/2023 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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on XX/XX/XXXX I was taken against my will to the emergency room by the local police department after I was robbed. I refused all Examinations and I told the emergency room that I do not wish to be treated because I was unharmed. I never gave them my name or ID and refused to talk or be treated. The police department gave them my information and I started getting a bill. I called and explained I was not treaded there and I was told they will take care of it and it is now a negative mark on my credit. I pulled the records from their office and multiple times it states that i refused treatment.
I was told if I do not pay it it will go to collections and hurt my credit and I was about to buy a home at this same time. It is now in the hands of a law firm and I told them them this is not a debt that I owe. Nothing has changed with this. I also have health insurance from my work that would have covered the majority of the cost but they didn't use my insurance either.
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| 09/16/2021 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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On XX/XX/XXXX an associate from L J Ross Associates called me stating I owe a balance of over {$1000.00} that was sent from XXXX XXXX XXXX! I explained to the associate i did not have any debt with either company and she should not call me demanding a payment! The associate disregard my response and continued to tell me I owe this balance and continued to repeat the last four digits of my social security number! The associate also told me I need to pay this balance or a legal action would be taken and disconnected the phone line. I've sent a letter to L J Ross Associate 's on XX/XX/XXXX and have not received a response in regards to my letter! Under section 15 U. S. C 1692b ( 2 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes debt! I am demanding that all phone calls be terminated and I am paid XXXX per violation of this company!
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| 08/13/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have disputed with LJ Ross Associates about the inaccurate entry that is reflecting on my credit report ( see attached documentation ). In my initial review and finding of this reflected entry, I submitted a dispute to LJ Ross Associates. on XX/XX/2018 and XX/XX/2018 via certified mail. Within my dispute ( see attached ), I specifically requested that they provide an agreement with signature of alleged debtor wherin he/she agreed to pay the creditor, date this alleged debt became payable, original delinquency date, verification that the debt was assigned or sold to collector as well as a complete accounting of alleged debt. LJ Ross Associates did not oblige. LJ Ross Associates letter, ( see attached ), dated XX/XX/2018 does not provide any substantial evidence to support the veracity in their reporting.Since LJ Ross Associates is unable to provide supporting documentation for this inaccurate, unverifiable entry, it must be deleted from my file immediately.
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| 07/31/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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On XX/XX/2018 I recieved a notification via XXXX that a collection account had been added to my credit report, for the amount of :XXXX $ to L J Ross Associates. The original creditor was from : XXXX a XXXX, Il electric utility company..I never lived or worked in XXXX, Il . I was able to dispute it off my credit report for XXXX and XXXX.I disputed with XXXX but recieved a email Pdf saying The Collection agency L J Ross Associates verified it was me.that a lie.I contacted them first when o saw on myfico they didn't have MY contact info but the person who used my SN # .If u contact XXXX.they wont have my contact info but another.I showed proof that the account is not mine.but just because Lj Ross say differently still on my credit report.I repeat they didn't have My contact info until I contacted them and ask what and why about the XXXX $ collection. Whatever date XXXX or lj ross may ask me to verify I can prove via paystubs that I live and worked in XXXX
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| 09/17/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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The phone number XXXX has called me a few times a week for several weeks. The caller ID reads " LJ Ross Assoc ''. When I XXXX, this is a legitimate debt collection agency, but the number that called me does not match any of their contact numbers provided online. They do not leave a voicemail.
When I called back I asked " I want to know who this number is that keeps calling me ''. They asked my name, I stated I would not provide that information until they tell me who they are. They read the name " LJ Ross Associates ''. I said " what type of organization are you? '' and they stated " we handle personal matters ''. I stated I would not provide additional information unless they provide more specific information and they said " Okay then have a nice day '' and hung up.
Either a scammer is spoofing this number or LJ Ross Associates is refusing to provide additional information about the nature of their business or validation of any alleged debt.
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| 11/15/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in getting this account established. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
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| 09/30/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I am in the process of getting approved for a mortgage and was advised I had a collection on my credit report for LJ Ross. I have lived in Texas for almost 4 years now and have never received any notification regarding this bill. When I moved all mail from the post office was set to be forwarded to XXXX XXXX XXXX XXXX XXXX Texas XXXX and then all mailed was forwarded to XXXX XXXX XXXX XXXX Tx, XXXX, all of which are documented with the USPS. Throughout this time I have not changed my phone number from the XXXX. I sent a letter certified to LJ Ross and to date I have not received any response at all. I am requesting that this be removed as I did not receive any notification regarding this and I did not receive anything to have in the mail to give me the right to dispute or have validate this bill. This company has valilated my consumer rights at this point. I have attached the letter I sent and the information saying they received my letter.
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| 02/08/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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When reviewing my credit report I notice that L.J. Ross Association is attempting to collect this allege debt. I never gave them my written consent to furnish these things on my credit report. This is defaming my character and violating my rights as a consumer. I have attached the copy of my invoice which is due within 10 business days on a 10 % fee will be applied. I have attached a copy of my ID & SSC & a copy of my identity theft report ( FTC-XXXX ). Below are the violations L.J. Ross Association is in violation of 15 usc 1692b ( 4 ) L.J. Ross Association is in violation of 15 USC 1692c ( a ). L.J. Ross Association is in violation of 15 USC 1692c ( 1 ) L.J. Ross Association is in violation of 15 USC 1692d ( 1 ) .L.J. Ross Association is in violation of 15 USC 1692d ( 3 ) L.J. Ross Association is in violation of 15 USC 1692eL.J. Ross Association is in violation of 15 USC 1692f ( 1 ) .L.J. Ross Association is in violation of 15 USC 1692g
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| 07/19/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have almost perfect credit with score being XXXX to XXXX depending on which agency you pull from 3 credit bureau. I check my credit score monthly to see how my credit score changes and keep up with excellent credit rating. Last month I see my credit score dip XXXX points all of sudden and I found out there is a utility collection from a company named " L.J. ROSS & ASSOCIATES '' L J ROSS, XXXX XXXX XXXX, XXXX XXXX, MI XXXX Phone : XXXX XXXX XXXX XXXX for amount of {$130.00} on XX/XX/XXXX reported, XX/XX/XXXX assigned This collection showed up on my XXXX and XXXX credit bureau . XXXX has removed and deleted this items from my credit report which I have proof of but XXXX credit bureau has not, telling me that they have verified this collection is mine. I might be a victim of identity theft or a fraud. I have lived in Colorado since XXXX and have paid utility bill through XXXX XXXX on auto pay for so long as to I don't even remember.
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| 12/20/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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L J ROSS ASSOC has failed to validate an alleged debt after submitting a written affidavit requesting validation via certified mail. They have infringed on my private information as well as my infants private information including medical record number and date of a major XXXX. This is a major HIPPA violation because I have never done business with L J ROSS ASSOC yet they have attached a false medical debt to my consumer reports defaming my reputation, name and brand. I have never signed a contract with this corporation & have no idea how they gained access to our personal private medical information. They have committed identity theft according to federal law and have given me health and marital problem due to their illegal tactics. My request has gone ignored for a month now & I am enforcing the law. A final notice of default has been sent to the company via certified mail. Complaint is also being forwarded to HHS.gov.
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| 02/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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Issue : L J Ross Associates, XXXX XXXX XXXX, XXXX XXXX, MI XXXX has been reporting a collection account on credit report since XX/XX/XXXX for an amount of {$220.00} for a past Gas bill from XXXX XXXX on a residential property. The collection agency has never sent letters or contacted individual regarding the collection. Disputed information with XXXX during XX/XX/XXXX once discovered the negative filing on the credit report. XXXX confirmed the dispute is valid without no investigation and reinstated the items on report during XX/XX/XXXX. XXXX system would not allow proof of claim to be submitted via their online system.
Problem : The residential property was sold on XX/XX/XXXX. There was an overpayment on the account during settlement which was issued back to the sellers. The sellers also received email communications directly from XXXX XXXX regarding the account closure and refund for the overpayment on the account.
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| 09/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act.
Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
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| 12/30/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I noticed an Adverse account In Collections reporting on my credit report from for a {$230.00} debt balance due to L.J. Ross Associates. I had never heard of this company and I certainly never signed a contract with them.
I contacted L.J. Ross Associates by phone on multiple different occasions to advise them that I was unaware of the debt that they are reporting and I requested that they remove it. I offered to pay the debt if they would agree to delete it so that I would not continue to suffer from the negative impact that this junk debt has had on my credit.
This is not my debt. I have not ever conducted any business with L.J. Ross Associates. I have never requested their services and I never signed an agreement to pay L.J. Ross Associates for anything. Please stop this company from reporting this erroneous debt on my credit bureau reports immediately. Thank you for your kind assistance.
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| 05/20/2023 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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This complaint concerns a medical debt that was placed on my credit report as a collection debt. XXXX XXXX placed a debt in the amount of {$3500.00} with XXXX. XXXX collection agency in error. The debt was for services received by XXXX ( XXXX ) that was at the time covered by my first and secondary insurances. Advocate admits that they only billed and was paid by my primary insurance ( XXXX ), and failed to bill my secondary insurance ( XXXX ) for any remaining balance. The debt was incurred in XXXX. Advocate and my insurance carrier verifies that I had both primary and secondary insurance since XXXX. Advocate agreed that it was a clerical error on their part, however, the collection agency refuses to remove the debt from my credit.
I am asking that this medical debt be removed from my credit for reason described above, and or laws regulating medical debt reported to consumer credit.
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| 09/27/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX XXXX XXXX keep sending wrong information and I keep getting different mails from different collection agencies trying to collect a debt including LJ ROSS and I dont recognize this debt, nor the amount owned. Im requesting debt validation which includes : Name and Address of Alleged Creditor, Alleged Account #, Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
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| 01/18/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I XXXX XXXX, have contacted LJ ROSS AND ASSOCIATES online and via certified mail between XX/XX/XXXX and XX/XX/XXXX. I've requested account validation of the collection account XXXX that has appeared on my most recent credit reports. LJ ROSS AND ASSOCIATES has failed to provide me with any form of account validation that I have requested in my certified letter to them.
I spoke with XXXX XXXX ( original creditor ) on XX/XX/XXXX.
Per my request, XXXX XXXX was able to immediately verify my current account information in their system and also confirm that my account has not been sent to a collection agency- nor should it be reporting as a collection account with LJ ROSS AND ASSOCIATES or anyone else. Finally, I requested that XXXX provide me with an email letter confirmation of my current account XXXX. I've attached the proof of the letters XXXX XXXX has provided me with below.
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| 09/27/2019 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/2019, I sent the debt validation letter to the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX along with the certified and return receipts regarding the account # XXXX, and balance {$350.00} as of XX/XX/2019. Not only that they failed to proof that it owns or has been assigned the debt by the original creditor or verification that I owe the debt and the amount of the debt within 30 days, they either sold or transferred the account to LJ Ross Associate, XXXX XXXX XXXX, XXXX, MI XXXX on XX/XX/2019. They also assigned new account # XXXX. This is a violation of the collection practices act for a debt collector to refuse to send a validation notice and failed to respond to my verification letter. Also, this is debt collector malpractice to either sold or transferred the account to a new collection agency since the debt hasn't been adequately validated.
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| 04/16/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I noticed a big drop in my credit score on XX/XX/XXXX, and found out it was due to an account that was resolved with a previous collection agency. The new debt collector which I have disputed with all credit bureaus last week is LJ Ross Collection Agency. They are saying I owe a past XXXX ( electric company in XXXX ) bill of {$2500.00}. That is entirely false, as I do not owe anything. When this was in previous collection a few years ago, the case was resolved, as XXXX did not find any bills in the past 10 years for me, except a few months in XXXX, which I paid ( {$60.00} per month ).
I have no idea why they are trying to collect again, especially since after I called XXXX , they couldn't even find any bill.
When I called LJ Ross last week, they said my only choice is pay it, and I'm not going to pay for anything I do not owe and has previously been resolved.
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| 10/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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The collection agency is sending false information about a debt to the credit beauros. They are not providing enough info related to my debt that they are trying to collect. I sent a dispute letter to this collection agency asking them to verify the debt but the company is sending their computer screenshots and saying that its a valid debt.
I contacted the the supposed original creditor XXXX and they acknoledged that the debt shouldnt have been reported in the first place. I got a call from XXXX saying that they would delete this negative item from my credit report and they promptly removed it.
On the other hand, LJ Ross is reporting this debt as a deliquent account and hurting my credit. This js absolutly unacceptable. They would need to contact XXXX regarding this debt and verify the validity of this debt and remove this item from all of my credit reports.
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| 02/13/2022 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Please do not mark this as a duplicate complaint as NEW INFORMATION IS BEING PRESENTED to you. I requested validation from LJ ROSS and was sent forged documents. Please see the attached documents that show no indebtedness nor obligation between myself and LJ ROSS. It literally was two pieces of paper with medical codes, no signature showing an agreement between myself and LJ ROSS nor the " original creditor ''. I'm very worried now because I have no idea how they got access to my social security number to place this on my consumer reports. They never marked my account as " disputed '' although I've been disputing this alleged debt over three months now which is a violation of the fair credit reporting act. I am seeking to have this rectified once and for all because this is negatively impacting my name, reputation, and brand. Please investigate this company.
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| 06/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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LJ Ross Associates Inc is a debt collector that is perpetually violating my consumer rights. LJ Ross has illegally and fraudulently parked a debt on my XXXX and XXXX consumer files. I first contacted LJ Ross on XX/XX/23, by sending a Notice for Validation of Debt request pursuant to 12 CFR {$1000.00}, as well as a cease and desist. Not only have they continued to collect a debt during the validation period, but they have even reported the account to an additional credit reporting agency, XXXX on XX/XX/23. I have only received one correspondence from LJ Ross and they have not sent me the required documents and disclosures under the law, nor have they provided me with the Model form B-1. The 30-day validation period has ended and LJ Ross Associates continues to illegally and fraudulently report this account on my consumer file and violate my consumer rights.
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| 11/28/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I had made payment arrangements with XXXX for {$50.00} a month to be withdrawn on a monthly bases for my copay of medical debt to ensure the debt would not go into collections. I have done this for over a year and for some reason they have turned me into collections when I have held up my end of the agreement. In addition, because of my ongoing life long medical condition my current copays go 's to this account to ensure a monthly payment is made to the hospital. Even at the collection of JL Ross the monthly payment is begin received via the hospital. I had over a year ago, made the arrangements for this payment to remain off my credit repost as I am rebuilding my credit. In addition, the hospital never sent anything saying this account would be turned over to collections so I could be able to contact them to have them review there records of agreement.
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| 11/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not confident that XXXX and XXXX Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on LJ ROSS ( Original Creditor : 08 XXXX XXXX ). Please change the status to Paid or simply " Remove '' the accounts. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report : LJ ROSS ( Original Creditor : 08 XXXX XXXX ) XXXX Balance : {$370.00} ; LJ ROSS ( Original Creditor : 08 XXXX XXXX ) XXXX Balance : {$240.00}
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| 05/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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The Original creditor, XXXX XXXX XXXX XXXX XXXX XXXX updated their reporting software and at the time of payment of a separate account, they weren't able to alert me of a payment I had outstanding. On XX/XX/XXXX, I saw that LJ ROSS and ASSOCIATES placed a collection with all three bureaus in the amount of {$400.00}. I thought this was fraudulence due to XXXX XXXX not communicating to me that I owed a debt. As soon as I could I settled the debt with the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for the amount of {$430.00}.
After paying the debt in full, LJ ROSS and ASSOCIATES is still reporting a collection with all three bureaus. I do not have a balance nor do I have an account with LJ ROSS and ASSOCIATES. This blemish is keeping my score low and will potentially keep me from attaining my ultimate goal of home ownership.
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| 07/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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I filed a complaint about this twice already now this is my third time and the company asked me to do a few things for them, so i did what was asked but i wanted to put it on here as prove before i take it to my attorney if this problem is not fixed or atleast settled with the company. I have paystubs the notarize letter and mail that they asked for so i am working with them to get this fix. I once again HAVE NEVER EVER lived on address that they have a file on. I don't have a signature on any applications nor do i have a contract or a lease or anything from this property due to once again me not living here. I am sorry that this has happen to both of us but i am a victim here of theft I will upload everything needed here I can not provide amounts nor dates because i never got a letter or reports about this till i saw it on my credit report.
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| 10/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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Hello. This is a response to a listing on my credit report. Please be advised that L J Ross Associates, Inc has reported invalid information to the credit bureaus ( XXXX, XXXX, and XXXX ). This may constitute fraud under both federal and state law. Also, a violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and placed an account on my credit file ( for collection ). Account number # XXXX. This account was successfully disputed and reported to be fraudulent ( please refer to FTC report number # XXXX ). XXXX tried to place this account again ( for collection ) with XXXX XXXX XXXX in XXXX. And again, this year ( XXXX ) with L J ROSS ASSOCIATES , INC . I am prepared to take legal action if this information is not removed from my credit files. Please assist. Thank you.
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| 11/05/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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There has been fraudulent charges in my XXXX bank account and I reported it to them IMMEDIATELY. They removed the charges but didn't remove the fees for my account going to negative for these charges.
Basically these fraudulent charges have been made in my account and these were revered back but the fees associated with these fraudulent charges making my account go to negative haven't been reverted back.
They said it'll take a month to investigate the charges in my account after a month they got back to me and said they indeed were fraudulent charges and removed them but didn't remove the fees.
So I closed my bank account there cause their policy is unfair.
If the charges were fraudulent why should I pay the fees associated with them?
Now they put a derogatory mark in my credit score caus of this. This is totally unfair.
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| 02/17/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
|
I had an outstanding debt that I owed to XXXX XXXX XXXX for a total amount of {$180.00}, the outstanding debt was sent to a collection agency by the name of LJ Ross. After many harassing phone calls I set up a payment with this company to settle my debt. On the date of XX/XX/XXXX LJ Ross withdrew the total amount of my debt of {$180.00} which was previously agreed on. About 5 days after the transaction i checked my credit report and saw my score had gone up due to LJ Ross changing the status of my account to closed and paid in full. Today XX/XX/XXXX I checked my credit report only to see that my score had changed significantly due to LJ Ross adding a new account in collections for the same debt that I had previously paid off. The collection agency of LJ Ross is attempting to collect again on a debt that was previously paid.
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| 03/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/2020 received a bill from LJ Ross stating that " XXXX '' owed {$870.00} to XXXX XXXX in XXXX Michigan.
XX/XX/2020 Sent a certified/ return receipt letter stating the charge is not mine, my legal name is XXXX , I have never lived in Michigan , I have never had an account with XXXX XXXX and asking for amount of alleged debt, full name and mailing address of original creditor, documentation that they have verified that I am legally liable for this debt and a copy of that judgement and documentation showing that they are licensed to collect debt in Washington State.
XX/XX/2020 - Letter was delivered to LJ Ross and signed for by XXXX XXXX XX/XX/2020 - Received a letter for LJ Ross stating that XXXX owed money to XXXX XXXX, a copy of an energy bill from XXXX Michigan and nothing proving their claim that I owe this debt
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| 02/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
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| 01/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
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| 02/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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I do not understand how they verified this account as being accurate when they have the wrong social security number noting in writing that I have sign with my social security number on it i talk to the original debtor because they inform me they had noting with my ssn on I they never report it on my credit report but also inform me if I paid the debt they would see that it is remove from the collection agency because I was in the process of buying a home and the debt was so low I agreed to pay for it and now I was unable to purchase the home because the collection agency would not remove this item from my credit report and they do not have my correct ssn number their paper work from the debtor they are still verifying as being accurate would like to get some help to have this remove from my credit report thank you
|
| 11/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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LJ Ross and associates flagged my account for collections and didnt ever disclose any information to me, they didnt validify the debt, and didnt even disclose where the debt is from or who it is even from. The only reason I know their name, is because they attempted to take negative action against my credit without calling, contacting, or confirming the debt with me verbally, or by documentation. in the past I have had debt collection amounts verified as not being owed because of billing errors or being incorrectly charged, etc. on numerous occasions.so the fact that they didnt even contact me or inform me that I can dispute it, and then reporting it on my credit report in an attempt to hurt my credit, is not only distasteful and unprofessional, but completely against acting as a fair debt collection agency.
|
| 08/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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LJ Ross is a debt collection company that sent a letter to me in XX/XX/2019 stating I owed money. I sent a letter to them within one week of receiving this explaining that this debt did not belong to me and that I was disputing it and asked for legitimate proof that this was a factual demand. They provided me with a fictitious statement created in their office alleging that this money was owed to XXXX XXXX XXXX but that I had to pay them. In XX/XX/2019 LJ Ross appeared on all 3 of my credit reporting bureaus. I disputed all 3 credit bureaus and all but 1, XXXX, removed LJ Ross because there was no basis for their claim. I have disputed LJ Ross to XXXX 3 times and they keep coming back saying it's legitimately belonging to me. LJ Ross and XXXX are destroying my credit/FICO scores by their false claims.
|
| 09/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
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After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with an account listed under LJ Ross Associates Inc. and validation was requested on XX/XX/2020. On XX/XX/2020 I reviewed my credit profile again as LJ Ross Associates Inc. had not responded, therefore a 2nd validation request for the account was sent out on XX/XX/2020. Credit report was reviewed again on XX/XX/2020 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.
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| 09/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I received a Notice of Amount Due from LJ Ross Associates, Inc. dated XXXX XXXX, 2017 for {$97.00}. The notice does not look like a valid collection notice, my name was spelled incorrectly, address incorrect, and the Current Creditor, XXXX XXXX XXXX, was a name of a utility company that does not exist nor have I used in the past. When I called within 30 days to ask for validation of the bill, they refused to validate and would only make statements that were false and inaccurate. The dates and circumstances that they cited with regards to verification of this event were inaccurate. They gave me an incorrect creditor and I feel that this entire collection notice is false and extremely deceptive. I want validation and statement showing that the debt is truly mine. I am disputing that this debt is valid.
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| 06/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
|
Hello, I am XXXX XXXX. After serving in the military for 7 years, I am ready to finally buy a home. I am working with a veteran organization here in Texas to improve my credit score so that I can be my best when getting approved for a home loan. I am running into a problem with the company LJRoss/XXXX. The company is on all three of my credit reports showing a XXXX balance. This entry has been on my report for over 9 years.
I have called and spoke to several people and even waited a month for them to take action. The entry still remails on my reports. Can someone help get this removed and or tell me how I can get through to them to have it removed, it would be greatly appreciated.
If you would like to contact me, my e-mail address is XXXX Thank you for taking the time to look into this matter.
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| 10/19/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I received a notice that there was activity causing my credit score to decrease. When I check my report I saw that L J Ross and Associates had reported a collection of {$180.00} on my credit report. I was not aware of this matter by this company and had never heard of them until the entry was placed on my credit file. I am really puzzled because, my utility company is the same, and my utilities are still on and I have " not '' received any notice from them indicating that I have or had an overdue or delinquent account.
I have disputed this matter with the credit reporting agencies and this company that I had never heard of or received a collection notice from " verified '' the debt. I have yet to see any verifying documents. I am preparing to sue this company and wanted to make you aware of it.
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| 03/04/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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|
I noticed something wrong on my credit report I notice a company by the name of LJ Ross Associates was listed and stated that 2 account was opened XX/XX/XXXX and closed XX/XX/XXXX and I supposedly owe them ( 1st account ) {$70.00} and the ( 2nd account ) {$1900.00} which is not true at all, I have no clue of what this is. So I sent LJ Ross Associates a dispute letter on XX/XX/XXXX no response sent another letter on XX/XX/XXXX thru certified mail and they responded with a letter stating that the account was verified, How? it's not my debt there is nothing with my signature on it making this phony account legit I then contacted my lawyer and she told me to file a complaint with CFPB because the documents they sent me is not valid and those documents does not validate anything so here I am. Thanks
|
| 08/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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LJ Ross is a debt collection company that sent a letter to me in XX/XX/2019 stating I owed money. I sent a letter to them within one week of receiving this explaining that this debt did not belong to me and that I was disputing it and asked for legitimate proof that this was a factual demand. They provided me with a fictitious statement created in their office alleging that this money was owed to XXXX XXXX XXXX but that I had to pay them. In XX/XX/2019 LJ Ross appeared on all 3 of my credit reporting bureaus. I disputed all 3 credit bureaus and all but 1, XXXX, removed LJ Ross because there was no basis for their claim. I have disputed LJ Ross to XXXX 3 times and they keep coming back saying it's legitimately belonging to me. LJ Ross is destroying my credit/FICO scores by their false claims.
|
| 04/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Because L J ROSS ASSOCIATES IN continues to report unverified, incorrect, and inaccurate information, this complaint is directed again at L J ROSS ASSOCIATES IN. I sent them a letter and called them even with respect to supposed obligation of the record reflected in my credit report wherein I was never told of this supposed obligation. This collection agency is violating the CFPB 's new Debt Collection Rule, which takes effect on XX/XX/2021, by reporting an unsubstantiated debt without providing proper notice prior to reporting.
My privileges has been abused various times. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.
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| 11/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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On XXXX XXXX a validation letter was mailed to L J Ross Associates In. This company/organization has failed to provide the following : What is the dollar amount owed?
Explain and calculate the amount owed : Provide me with copies of any papers that show that I agreed to pay the amount you are stating is owed : Provide a verification or copy of any judgement if applicable : Identify the original creditor : Prove the Statute of Limitations has not yet expired on this account : Provide me with the license that you are allowed to collect within my state : Provide me with your license numbers and Registered Agent or Agent of Service/s : Instead the company continuously calls my cellular telephone number as well as reported the collections onto my account both on XX/XX/2021 and XXXX XXXX.
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| 09/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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L J ROSS ASSOCIATES IN Original creditor : XXXX XXXX {$200.00} Balance updated XX/XX/2021 i Never Open any Accounts with This Company This Account Is Fraudulent and its been Reported to my credit report i never open any accounts with this company and they are forcing me to paid them for something i never open with this company also been getting harassment phone calls from this dead collector and also fraudulent phone calls asking me to paid for this account i never open and also this collection account was place on my credit report XXXX and XXXX and requested for the credit reporting agency to dispute this Fraudulent account from my credit file i want for this company to stop harassing me to paid for Disputed With XXXX Disputed with XXXX Identity theft Account From Collection Agency
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| 09/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have received numerous calls but zero written communication from LJ Ross about a supposed debt. They have failed to identify their line of business and or the reason for their call. On XX/XX/XXXX, I was notified about a collection attempt added to my credit report for {$220.00}. It has seen been removed from my credit report through the dispute process. I don't have any outstanding debt that I'm aware of currently for {$220.00}. I need LJ Ross to stop calling me. I need all communication in writing and proof that this wasn't debt written off by a previous company sold on a list somewhere. I know most debt in this country is collected illegally outside of the statute of limitations. I am tired of having to hire attorneys to send letters to address fraudulent claims of debt.
|
| 10/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
In XXXX of 2021 a collection with L J ROSS ASSOC XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Was deleted from my credit report because it was not mine. Information provided says it was for a XXXX XXXX account which I never had in my name. I was just alerted by XXXX XXXX that this scavanger debt collector says this account was opened 1 month ago which is a lie as I went through this a year ago and it was removed because LJ ROSS could not validate this debt. My credit score went down XXXX points because they just decided to erroneously and illegally put this on my credit like a new collection account. When you call this office, they attempt to threaten, harass and berate you into collecting money. Please have them remove this from my credit. I do not even liv ein NY
|
| 05/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
After an accident, my husband incurred substantial medical bills. While we were able to make payment arrangements for most, one slipped thru the cracks and ended up in collections. L.J. Ross of XXXX, MI. We are not disputing the debt, nor refusing to make payments, our issue is the amount of money this company wants every month is far more than we can pay. They refuse to negotiate and we do n't want this to be unresolved. We want to make payments, but we need them to be willing to work with us, and by that, I mean, we can only afford XXXX a month ( we are, after all, making XXXX other medical bill payments! ) and not pay them the over XXXX per month they want. A little compassion is what we need. We are not trying to get out of a bill, just make it affordable is all.
|
| 05/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
As I am in the middle of a REFI on XX/XX/2021 I noticed a collection account being reported by L.J. ROSS & ASSOCIATES claiming the Original Creditor is XXXX XXXX
On XX/XX/2021 I contacted XXXX XXXX to figure out why they have sent this account to collections and they verified that they do not have an account in my name and therefore they are not reporting it.
On XX/XX/2021 I contacted the credit reporting bureaus to get the contact information for the collection company that is reporting this fake account to them in my name and I was given the contact number they have which is ( XXXX ) XXXX. However, when I called the number it was out of service.
Unable to contact them with the information given to me by the credit bureaus I decided to submit this complaint.
|
| 01/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was contacted by LJ Ross and Associates regarding an unpaid utility bill. Upon hearing of the debt, I immediately disputed it's validity. My home was foreclosed on XX/XX/XXXX, however the new owner never took over the electric account. I was billed through approx XX/XX/XXXX for the electricity on a property that I did not own or occupy. I was unaware of the billing situation as the bills were being sent to a property that I did not live in. I sent LJ Ross & Associates a copy of the foreclosure dead, and made them aware that in the state of MA, I was not responsible for an electric bill for a property that I did not live in.
LJ Ross and Associates continues to try to collect on this debt, even though complete proof has been shown that this is not a valid debt.
|
| 03/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
LJ Ross collection agency for XXXX XXXX erroneously placed a collection account for {$510.00} which is the same as XXXX XXXX Account XXXX on my 3 credit reports ( i.eXXXX, XXXX, and XXXX ) as per LJ Ross letter dated XX/XX/XXXX. Conversely, on XX/XX/XXXX XXXX sent me notification stating that final balance of {$510.00} for XXXX XXXX Account XXXX have been TRANSFERRED to my current XXXX account. {$510.00} for XXXX XXXX Account XXXX is on my current XXXX XXXX account. This LJ Ross collection agency account XXXX must therefore be REMOVED from my 3 credit reports ( i.e.XXXX, XXXX, and XXXX ). REMOVE THIS LJ ROSS COLLECTION ACCOUNT XXXX FROM MY XXXX, XXXX, XXXX CREDIT REPORTS BECAUSE DEBT WAS TRANSFERRED TO MY NEW XXXX ACCOUNT. I will sue LJ Ross and XXXX.
|
| 12/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
The XXXX bill in question was for an apartment I did not move into due to the unit being uninhabitable. I successfully broke the lease and returned all keys. I paid the XXXX bill on XX/XX/2021. There was a clerical error processing the payment, and it did not go through. XXXX attempted to notify me of this by mail at the address I never moved into and did not have a key for despite me telling XXXX my correct address on a recorded phone line. As soon as I found out the bill was unpaid and in collections, I paid it immediately. This is the only negative item on my credit report and I am in the processing of buying a house. I don't believe a clerical error should prevent me from succeeding in buying a house when my credit is otherwise perfect. Thank you.
|
| 05/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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On XX/XX/2019 a report of an unpaid electric bill was reported on my credit report for {$290.00} from LJ Ross Association for XXXX XXXX XXXX at an address I have never lived at. It was someone that put in my name with my social security number. I have lived at my same address for the past 3 years and before that 2 other apartments in the past 4 years and then before that was the home I grew up in. I have never even had an electric bill put in my name and it has always been in my husbands name. I called the given number on my XXXX XXXX app for the debt collector and they told me I had to file a report to get it taken off my credit to prove identity theft. I hope you believe what I am saying and I can provide proof of my address if asked. Thank you
|
| 08/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
I get an alert from XXXX XXXX there a collection in my credit report from L J Ross Associate. I have NEVER been contacted by them nor know anything about this. I call XX/XX/20 XXXX And get XXXX which asked me was my social 3 different times 4 different last digits on a social I said NO. He said hold on came back and said idk dispute it with the credit agency its my job. Very unprofessional and weird. I asked for a manager and XXXX got on the phone said the same and that my name was similar but they had a couple numbers close to mine???? First, no debt validation, signed contract, proof of debt, what the debt is has ever been provided! This is beyond crazy. I explained I will contact CFPB and they said you could t do anything and hung up!!!
|
| 07/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 12/10/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I have reported numerous disputes to all three credits agencies apprising them of the error made by the UTILITY company XXXX.
The amount of XXXX XXXX dollars ( {$67.00} ) is in error. I contacted the electric company on or about XX/XX/2020 to inform them of my moving out of state and to discontinue my service effective XX/XX/2020.
My final bill from the utility was paid in full.
( See attached final bill ) The utility company retained L.J. Ross & Associates alleging I owe a balance of {$67.00}. Every month L.J. Ross & Associates has been sending " negative '' reports to the credit reporting agencies.
I request the XXXX & L.J. Ross & Associated cease and desist their actions in reporting this error to the credit reporting agencies.
|
| 03/15/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I received a call from XXXX, a electrical company in XXXX stating that I have a balance on an account and owe money or my power would be turned off in XXXX immediately. This concerned me because I 've lived in XXXX for the past 2 years. I called XXXX and they had given me an address of account that had been opened that I did n't not recognize and have not lived in XXXX for 2 years. They then told me that this is a case of identity theft as someone else, not me, opened an account with all of my information, but was not me. They did not pay their bill, which is why they contacted me and is now in the collections hands. I have sent in the proper fraudulent dispute papers into XXXX and I need help getting this taken care of within my credit.
|
| 08/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I really don't have a clue how this charge got on my credit. I have been diligently trying to straighten my life back out after several years of identity theft. My report says that on XX/XX/2023 XXXX XXXX charged me {$1000.00} for something but I was impatient receiving medical attention for XXXX in XXXX Mississippi at that time. There are no XXXX XXXX 's in XXXX Mississippi. Someone has also opened up car insurance in my name and this has taken a heavy toll on me and I'm really just trying to be a productive citizen trying to help the economy grow just like everyone else. They don't even have the date this supposedly transpired on the credit report. Asking for you guys help to resolve this situation as quickly as possible. Thank you!
|
| 01/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have disputed this debt with the original company, the collection agency and credit bureaus. I submitted a stop service at XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2017 to be backdated to XX/XX/2017, when I moved from this address. My final bill was for {$110.00} on XX/XX/2017.
I have reached out to LJ Ross to ask for proof of debt, as they are reporting to the credit agency {$310.00}. At the time, I could not remember if I had submitted a stop service, but once I did find the verification, I submitted to the collection agency of the proof that I did not live at that address after XX/XX/2017.
They have not provided the proof of debt after phone calls and written letters. They continue to submit negative remarks to the credit bureau.
|
| 02/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I sent a certified letter to LJ Ross on XX/XX/XXXX request validation of a debt they have listed on my credit report. LJ Ross received the letter on XX/XX/XXXX. To this day, I have not received any information validating the debt, and they continue debt collection practices by reporting it on my credit. According to what I read on the CFPB 's website, they should not be reporting anything that they have not validated. Also, it has been longer than 30 days since I requested proof of the debt. I have not received anything.
This has been very damaging to my credibility and has limited my ability to obtain better financing a terms with other companies. Please investigate to have this information removed and collection actions stopped.
|
| 08/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Company is attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX
XXXX service was terminated on XX/XX/XXXX.
XXXX final bill of {$690.00} was paid by the XXXX XXXX XXXX XXXX XXXX XXXX during the last week of XX/XX/XXXX. My XXXX was hospitalized for XXXX weeks, and the hospital paid some of our living expenses.
No attempts at collecting any additional funds were made by XXXX prior to giving the matter to collection agency.
The funds XXXX wants were meant to go to a service deposit that would be immediately refunded as we do not use their service. XXXX admits this on the phone. XXXX says it will do nothing to assist as it is in collections.
Debt collector is not interested in facts. Debt collector demands payment.
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| 11/09/2019 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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LJ Ross a collection agency has repeatedly reported false information to all three credit bureaus, specifically " re-aging '' my account, in violation of the FCRA. They reported that I opened an account in XX/XX/2018, that is absolutely false. I never opened an account with LJ Ross in 2018, and I opened no accounts in all of 2018. Most recently they placed a derogatory remark on my account which dropped my score 70 points, and will stay on my report for 7 - 10 years. This is beyond abusive and predatory tactics.
Below is copied from my report : Opened XX/XX/2018 ( 1 yr, 6 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name
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| 02/16/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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Debt was paid to original creditor directly and now L J ROSS ASSOC is holding my credit report hostage because I did not pay them my debt directly ... although I paid the debt off in full to original creditor ... .who agreed to have it removed from my credit report ... had I paid L J ROSS ASSOC directly it would have been removed from my credit report. L J ROSS ASSOC is holding my credit report hostage out of retaliation for me not paying the funds to them directly. It is a harassment tactic to bully those who pay off their debt to original creditor directly. All other collection agency that I paid directly on my credit report removed those items of collection from my report except L J ROSS ASSOC ; whom I did not pay directly.
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| 12/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Pursuant to 18 USC 8, I owe no debt, This company ( L J Ross Assoc ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
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| 11/08/2019 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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XXXX XXXX XXXX XXXX aka XXXX took a deposit of {$160.00} from me but never returned it and then without ever sending me a final bill, put a charge of {$60.00} on my credit report. I have tried over and over to get this resolved with no luck at all. I filed a complaint with the IURC ( Indiana Utility Regulatory Commission ) and got a call from XXXX XXXX XXXX but same story. They sent my deposit refund to XXXX XXXX XXXX who says they sent on a debit card it to the wrong address and the debit was used in another state. ( Ohio ) So " they '' sent " My '' deposit to some other person and now they say tough luck for me. This is insane. I'm XXXX years old and have never been so outraged or experienced such disregard for people.
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| 01/26/2023 |
Yes |
- Debt collection
- Other debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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On XX/XX/2023, LJ Ross and Associates contacted a family member of mine on their home phone after repeatedly calling them for the past couple of weeks. When calling my relative, they asked their name and proceeded to tell them it was an attempt to collect a debt. After she told them that she was not myself ( they stated my name and asked if she was me ), they proceeded to tell her the company the collection was for and the exact dollar amount of the collection. She told them that she was not the person whose name was on the debt nor has she ever lived in the city or state they are collecting for.
LJ Ross and Associates has never contacted me via my phone number or address to validate the debt that they are collecting.
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| 03/21/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Hello, thanks for the opportunity to talk about my issue. I moved from XXXX to XXXX XXXX on XX/XX/2022. This week I've notice a debt collection under LJ ROSS Associates was posted under XXXX AND XXXX.I didn't have the opportunity to validate if this is a valid DEBT and if so, im more than happy to make a payment plan, but first I would like to dispute and if DEBT COLLECTOR can proof otherwise I will more than happy to make arrangements. I've request USPS to forward all mails to my new address in XXXX before I moved from XXXX to XXXX and I never received any mails from XXXX which is the debt reported under both credit bureau above. I don't know how to deal with this.
Could you please help me?
Thanks so much XXXX
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| 12/24/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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This debt shows in my XXXX account. I have a screenshot showing I paid the original account ( utility company ). I have disputed this many times with XXXX including the detials and the screenshot and LJ Ross will not delete the collections account and they have updated the collections account to show that it was paid before they were assigned the account. I called the number listed in my XXXX account for this business and it was disconnected. I called the number I found online for LJ Ross and left a message asking for call back. I left a message on XXXX occasions. No return call, no letter. I am asking for this collections record to be deleted from my account. I have already submitted a complaint against XXXX.
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| 10/26/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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LJ Ross partial account # XXXX WHO ARE THESE PEOPLE? I keep seeing LJ Ross on my report as of mid 2017. Shows a collection balance of {$830.00} XXXX?
I had to XXXX XXXX, they are a utility service provider.
Considering I have lived at my current address for almost 4 years, and we do not have a utility provider of XXXX ... WHO DOES THIS BELONG TO??
I have repeatedly communicated with all 3 bureaus disputing it's removal and sent a letter to LJ Ross with no response trying to receive paperwork, identification, something.
This is not my account, I have not received any sort of paperwork on this, I do not have gas or electric utilities through XXXX, they are not even a servicer in the area I live!
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| 06/22/2017 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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Web |
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XXXX sent an account to collection for {$91.00} stating that it belongs to me. I did not get any written notice or phone call about this debt. I have no knowledge of any past due owed to XXXX . I should have been notified if anything but instead they sent this account to collection. I tried many times contacting this collection agency to validate this debt but I get nowhere. I have called and written letters. All I see is an account XXXX on my credit that has impacted m y credit score. I 'm more then happy to clear this account up even if it 's not mine just to get this account removed. I just feel like I should have been contacted either via phone or mail about a past due / collection account.
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| 04/18/2019 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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Web |
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This is a debt from at least 5 years ago. Placed with this company in XXXX of 2018. It was owed to XXXX for electricty when I was living in another apartment. I called to day to tell them that I could not afford to pay debt because I am on Social Security XXXX and was on limited income. The person I talked to was very rude demanded I pay, when I told her I was on Social Security, she told me that does not exempt me from paying this collection and that I will continue to be bothered by them, and she hung up Well, I cant pay because I have limited income. And they will never get paid, so what difference is it if the release it now or 20 years from now. Same result. Less frustration on everyones part.
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| 11/01/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the documentwhether it's a charge off? The balance is in fact wrong, please make sure toreverse it to XXXX or remove the item fully. Please also produce documentationto verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. Mydemand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give thesedetails per my civil rights petition, please make sure you quickly remove thisspecific wrong posting.
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| 05/25/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I do not have a legal binding contract with L J ROSS ASSOCIATES, If they are licensed to collect a debt, please send me your license to collect a debt in New York State. you purchased this as a debt collection device to make money as a debt collector. You have 5 days to respond with a statement of account with a XXXX balance and remove any and all off my credit report. Failure to respond in 5 days is acceptance and failure to cure your dishonor will recieve notice and demand for XXXX in damages for violations included : Fraud, Extortion, Denial of Right to happiness and privacy, Dishonor in commerce, Collusion, Racketeering, Conspiracy, Intimidation, Defamation, TILA violation, FDCPA violations.
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| 02/24/2021 |
Yes |
- Debt collection
- Medical debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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I have a XXXX balance with XXXX XXXX hospital that I have been making payments on. I am unemployed due to covid and have been making payments when I can. XXXX XXXX is still allowing me to pay the bill with them on their bill paying service via XXXX XXXX and they also send my account to a collection agency LJ Ross association. So both companies are trying to collect on the same debt. I have repeatedly told LJ Ross that I make and have current payments with XXXX XXXX but they continue to call me 3 - 4 times a month 3-4 times a day. I have told them numerous times to stop calling me. I also spoke to XXXX XXXX as well and they were very rude to me and told me they could not stop LJ Ross from calling
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| 07/12/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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i have reported this company with the other two credit bureaus and have spoke to all three over the phone stating that i have never lived at this address that keeps only coming back on XXXX and its hurting my credit score bad. I have verified that i was indeed in indentity fruad or some one has stolen my information on the internet. I have never ever in my life have had serives like this under my name due to me living with my mother or family and this debt keep coming back and i dont know why if in fact i reported on this website this very company about a year or so ago. Please help me get rid of this. I can prove by going to the secretary of state of illnois and have my addresses pulled up.
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| 04/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am filing a complaint with XXXX XXXX XXXX and Lj Ross. I sent my first verify dispute letter on XX/XX/2023, to XXXX. On XX/XX/2023, I sent my second attempt to verify that the debt is indeed mine. There was no response from company providing validation of this debt belonging to me.The company ignored my response and did not provide any further proof of investigation. On XX/XX/2023, I had sent my third validation dispute letter to XXXX stating that no further valid documentation has been provided and this was my final warning that I would be filing complaints and pursuing litigation. XXXX ignored my response and provided no reasonable method of verification on why they verified this debt.
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| 07/14/2017 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have provided written disputes with L.J. Ross collection agency on three different occasions requesting validation of alleged medical debt from XXXXXXXX XXXX XXXXXXXX of {$98.00} and {$140.00} on my XXXX, XXXX and XXXX credit reports. I was never sent validation of any contracts, signatures or copies identification card. I was sent details of hospital bills only. These are not my debts and are not associated with me. This is a violation of the Fair credit Reporting Act and Fair Debt collection Practices act for failure to validate any of the alleged debts. I am requesting these debt be deleted from each credit reporting bureau. I also have all written communication betweenL.J.Ross and I.
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| 04/19/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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XX/XX/2016, I sold my home and I did not get the last utilities bill from XXXX. I contacted XXXX XXXX and XXXX to forward the last bill to my new address. Apparently the bill was sent to collection without my beknowing. I found out I had a collection on my credit report from LJ Ross. I contacted XXXX XXXX and XXXX and paid the balance owed. It has been 7 years and that balance is reporting under LJ Ross. I do not owe them anything. I have been disputing the item and all the credit agency does is update it. I contacted XXXX XXXX and XXXX and they sent me a letter that the balance has been paid. Please look into this matter and have LJ Ross remove this derogatory item off my credit report.
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| 07/19/2022 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXXL J ROSS ASSOCIATES, INC Once again there is no cease and desist in place You bought the debt for cents on the dollar and are trying to make me pay for something already paid for, written off, or not even validated as mine The burden of proof is legally on you I owe you no information and refuse to give such to an unknown company You legally can not collect this as stated before. You legally can not have this on my report UNTIL it is agreed to be mine as stated before If you disagree send me a summons or remove it because I have all LAWFUL PROOF to back my claim. You never even tried to communicate with me not 1 voice-mail or anything EVER I have AMAZING credit so I know this is XXXX
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| 09/10/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Finally received a reply to my letter dated XXXX/XXXX/2020 from the debt collector. Attached is the certified letter I sent to LJ Ross requiring information under the FDCRA that I requested. They sent me only what they thought I needed and did not answer my requests.
Therefore, this matter has not been resolved and NO solutions have been met, and places this debt still under investigation and needs to be removed from my credit report while being disputed. These debt collectors pray on people 's XXXX and who are not educated on the law and take advantage with their collection tactics.
My next letter regarding this matter will be going to the Federal Trade Commission in Washington D.C.
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| 11/28/2023 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Frequent or repeated calls
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Web |
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I received a call from XXXX ( XXXX XXXX XXXX XXXX ) and returned the call. They demanded the last 4 digits of my social to confirm my identity and refused to tell me why they were calling without that information. Since I don't recognize the business or know of any outstanding debts they might be collecting on, I am assuming their behavior is suspicious and would like to get ahead of the behavior by reporting them. I would expect a legitimate debt collector to provide me with an invoice by mail. I can also find nothing on my credit report. Given what I've seen about this company online, I want to get ahead of the issue with this report before they continue with more nefarious behavior.
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| 11/07/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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LJ Ross put a collection on my report for {$75.00} that does not belong to me. I contacted LJ Ross and I was informed it was for an electricity bill for an apartment in Maryland. I have never been to or lived in Maryland. How did a company provide service under a false identity? How is it acceptable to open an account for someone without verifying the identity they provided is theirs? I am in the middle of buying a house and this has created a set back for me. The account was reported on XX/XX/2019 for {$75.00}. This account was fraudulently set up and I willing to provide any required proof that I have never set foot in or lived in Maryland and I did not set up any electric account.
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| 05/18/2021 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I have medical collection accounts that have been turned over to LJ Ross Associates in XX/XX/XXXX. I sent then a certified letter onXX/XX/XXXX to stop all communication with me and that I dispute this debt.
LJ Ross has since reported the collections to XX/XX/XXXX on XX/XX/XXXX in the amount of {$1300.00}.
1- they reported seven different amounts instead of one total amount equaling {$1300.00} 2- they Illegally re-aged the collection by continuing to flag my account every week since XX/XX/XXXX. They have flagged my account on XX/XX/XXXX and XXXX XXXX.
This is effecting my credit score and credit worthiness.
How do I stop them from continuing to flag my collection account?
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| 07/31/2023 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
|
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XXXX LJ Ross Associates XXXX XXXX XXXXXX/XX/XXXX {$1100.00} {$240.00} {$35.00} {$100.00} XXXX XXXXThis balance needs to be removed from my credit report. My insurance covered it.
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$680.00} {$600.00} XXXX XXXX This balance needs to be removed from my credit report. My insurance covered it.
XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX This balance is inaccurate and it needs to be removed.
{$660.00}.
They called every other day with threatening phone calls. In accordance with the Fair Credit Reporting Act. The List of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
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| 01/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$970.00} does not belong to me. This account was fraudulently opened through this company in XXXX XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
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| 09/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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Well I have tried numerous of times to discuss my situation which I just got released from XXXX in XXXX of XXXX and have been XXXX since XXXX of XXXX so it's no way I should have any collections or/ and debits or anything at which if and when an account was created open or whatever it is Fraudulent and I demand it to be removed from my credit report cause I'm not able to get absolutely nothing being free from them XXXX and XXXX and XXXX XXXX XXXX only to come trying to be a better citizens and a better person to someone else mess running around here acting like they is XXXX XXXX XXXX when im being told to get thus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 07/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have disputed this entry with both the credit bureaus and LJ Ross Associates alike. In my letter dated XX/XX/2018, I specifically disputed the inaccuracy of this account with LJ Ross. I never entered into a contractual agreement with this company whereby I would have had terms of 1 month with them. Additionally, due to this entry not being a data factoring account, there should be no payment history attached. Why would only 2 months of payment history be reported? LJ Ross never responded to my request and therefore did not substantiate the validity of the data they reporting negligently. To that end, this entry must be deleted immediately from my credit reports.
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| 07/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
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| 12/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
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|
Web |
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I was in and out of the XXXX numerous times as well as XXXX XXXX. While I have worked with numerous collection agencies I do have XXXX / spam blocker on my phone, as I also get many non legitimate calls daily.
JJross I have not actually talked to one time. I have not received physical mail, email from the agency.
All other agencies have worked with me and also have told many that I am pursuing bankruptcy and they kindly notate the account.
To put a derogatory mark on my credit without every form of communication is unethical. This was reported on XX/XX/XXXX.
Lender : L J ROSS ASSOCIATES IN Account number : XXXXXXXX
Date status reported : XX/XX/XXXX
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| 09/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
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I created an account to monitor my credit and see a collection from LJ ROSS still reporting, which has dropped my scores significantly. I addressed this collection with the understanding it was going to be deleted from the credit bureaus, which I see it was not. My frustration with this collection is that I was never advised I had the ability to dispute the collection. Due to this, I did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive any notifications of this option. I would like this collection removed from my credit due to erroneous collection practices.
Thank you, XXXX XXXX XXXX
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| 07/24/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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On XX/XX/XXXX I had realized that L.J Ross Associate 's had put a collection on my account from XXXX XXXX. I had contacted them stating I had never gotten a statement from them that I owed them the funds. Also asking why was this now on my credit report when this bill was owed from XXXX. I had asked for a statement or something to prove that I owed them the funds in question. The women on the other end stated " she could not give me those records '' .So I ended the phone call and decided to contact XXXX directly. The credit agency that XXXX XXXX gave me was not L.J Ross. I believe they are trying to charge me the amount without actually owning the debt.
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| 04/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
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On XX/XX/2020 I received a phone call from A manager at the LJ Ross and Associates. I was explaining to the manager on the floor that I wont be able to take care of this for awhile. The unemployment money I am receiving is going to every day necessities. I dont think she cared and wanted me to take care of the issue today. I told her to stop calling me and no more letters through the mail. Then I told her I was contacting the XXXX and she said that I could. Unfortunately the XXXX told me that this company deals with issues like LJ Ross. I also have an attorney that strictly handles harassment cases. I want this resolved before I contact my attorney
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| 08/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
L J Ross and associates is on my credit report. I reached out through certified mail and disputed this information as I never had an account with them. I asked that they verify and validate this information. I asked that they send an original contract with signature, full payment history and whole account numbers. I have disputed this twice. They also failed to update this as being in dispute which is a violation of FCRA. Also not reporting whole true accurate information is against FCRA laws. Please delete from my credit as you have violated many laws and this account is not mine and does not belong to me. This account is yours and belong to you.
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| 06/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
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Web |
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I requested that XXXX prove to me how they " verified '' that the account with L J ROSS ASSOC is my account. They reported back that it is verified but does not give the METHOD OF VERIFICATION. According to FCRA 611 ( a ) ( 2 ) ( B ), they were required to forward all of the relevant information to the creditor for their investigation of my dispute. To no avail. Credit bureaus have been taking advantage of consumers during Covid. They are not posting good accounts on time but bad accounts are verified IMMEDIATELY. I am prepared to sue the credit bureau at this point. Employees are rude, disrespectful and give false information while on the phone.
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| 01/24/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
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Web |
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ON XX/XX/2019 I DISPUTED THIS MEDICAL ACCOUNT WITH ALL 3 CREDIT BUREAUS, IT WAS REMOVED FROM XXXX BUT STILL REMAINS ON XXXX AND XXXX. I NEVER RECEIVED ANY LETTERS REGARDING THIS ACCOUNT TOTALING {$120.00} BEFORE IT WAS PLACED ON MY CREDIT FILE. I CALLED LJ ROSS ASSOCIATES AND SPOKE TO A REPRESENTATIVE. I INFORMED THIS PERSON I HAVE MEDICAL INSURANCE AND DID SO DURING THE DATE LISTED ON CREDIT REPORT FOR THIS ACCOUNT AND MY MEDICAL INSURANCE COVER MY MEDICAL CARE 100 %. THE REPRESENTATIVE STATED THEY WOULD CONTACT THE ORIGINAL CREDITOR TO TRY TO OBTAIN INFORMATION ABOUT THIS ACCOUNT. LJ ROSS VERIFIED THIS ACCOUNT RECENTLY WITH BOTH XXXX AND XXXX.
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| 10/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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While checking my credit history/score online this evening, I discovered that L J Ross Associates , Inc is seeking to collect {$220.00} due to XXXX XXXX . I owe no such amount, and I have never heard of L J Ross Associates , Inc . I have not received any correspondence from them, I have not had any attempt by XXXX XXXXXXXX to collect a debt. Their debt collection on file is hurting my credit history, and is absolutely false. I owe {$0.00} to XXXX XXXX. I confirmed this by logging into my account and checking... I have a {$0.00} balance due. They are my current utility provider. I owe {$0.00}! I want this debt collection immediately closed.
|
| 10/23/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
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Web |
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customer service representative called and asked to verify address. When I asked what this was regarding. She would not tell me and repeatedly asked me to verify my current address. I said please take me off your list. And she said they do n't have a do not call list. Again and forcibly she asked for me to confirm my current address without telling me why. At this point I said goodbye and hung up.
I did not know it was a collection effort from XXXX XXXX XXXX XXXX until I got a letter in the mail stating I owed XXXX a past due bill from a prior residence. Which I have since paid. The tactics used by this company are not okay and deceitful.
|
| 11/23/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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When the company called me, they wanted to verify who I was. I told them because I have no idea of who they are, I will not give my personal information to anyone. However, please send me a letter and I will respond for sure. The company continued to call me relentlessly about a bill from XXXX XXXX XXXX XXXX, I told them I do not owe anything to this company and have proof that I will be willing to provide if they can send me something in writing. They sent nothing in writing but put that I owe money on all three of my credit reports and backdated the bill to XX/XX/2018, when it was just recently put on to my credit reports in XX/XX/2018.
|
| 06/21/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have asked LJ Ross Associates to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
|
| 06/06/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Basically in a nutshell I paid a bill that I owed the original collection agency XXXX XXXX the bill was in the amount of {$110.00} XX/XX/XXXX. Then I got a letter a month later from XXXX XXXX I explain to the personnel that I paid that bill. I never heard anything else from the company. XX/XX/XXXX the same bill resurfaces for {$110.00} from a company called XXXX XXXX they placed the erroneous collection on my file five times for a total of {$570.00} on my credit it looks like I owe five different late payments, I lost XXXX points because of this and the bill has been paid in full. This is the result of selling debt over and over.
|
| 06/28/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
|
| 04/13/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
|
| 08/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
|
| 08/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts
|
| 07/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
L J ROSS ASSOCIATES IN account # XXXX This is fraud according to the USC and particularly 15 USC 1681 Section 602 A right to privacy 15 USC 1681 Section 604 sec. 2 written consent This shouldn't even be reflected on my report and FCRA you have no right to collect Further more. My debit was paid for 3x over if you have possession of it please review consumer law and prove otherwise we can get into the power of taxes, my signature and ssn # Any action besides an elimination of this debt entirely will result in you being sent my fee schedule a {$1000.00} collection and a notice of court for harassment and adverse action
|
| 10/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
This account is 6 years old. And I was not aware of this account cause I'm not no longer at this address. This is a old XXXX bill which I can still get service on. But by them keep reporting this on my credit report its keeping me homeless. Everytime I apply for a apartment they keep seeing this collection on my report and denied my rental application. I don't have no problem paying anything but I need it to go out of collections. This bill is from XXXX. And some creditors had bought my account and been reporting it since then. Been homeless since then. XXXX yrs going on XXXX now. They name is, LJ ROSS creditors.
|
| 07/01/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I originally submitted a claim Case number : XXXX requesting that the credit reporting agency XXXX remove an item on my credit report that the original creditor XXXX ( XXXX ) had resolved as not being my account nor responsibility. In the response XXXX stated that the collection agency LJ Ross Associates states that the debt is valid, whcih is contrary to the information from the creditor in letter dated XXXX XXXX, 2014 which is attached. As the creditor states this is not my responsibility the collection agency can not continue to keep this item on my credit report thereby negatively impacting my credit score.
|
| 10/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I would receive multiple phone calls at the end of the year closer to the holidays and tax season, but when I returned the calls I would get a voicemail or they would say theyre closed and would give the hour of operation and I would be within that time frame. Ive submitted 2 or 3 get in touches on their website, to try to get in contact with someone but havent been able to reach a real person. I have tried to dispute with XXXX XXXX but not getting any response and furthering that no solution.
Called this number XXXX The Contact Us form is what Ive filled out anytime I havent been able to reach someone.
|
| 02/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My credit is being negatively impacted by this reporting that I do not recognize. I was notified few years ago my XXXX for an unpaid electricity bill. The account belonged to my ex-wife and the problem was resolved long ago. It appears that she never took care of it and the company is harmfully harassing me.
I called the collection company and informed them that this information is wrong and harmful. They never cared about what I said and the report is damaging my credit. I work too hard to be harmed this way.
This information needs to be completely removed and my credit repaid immediately.
|
| 04/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXX XXXX XX/XX/2023 {$1000.00}
|
| 01/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2021, L J ROSS ASSOC added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account.
They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me.
According to the FCRA, L J ROSS ASSOC has violated my rights as a consumer multiple times and I'm requesting legal action to remove this account immediately!
|
| 05/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I moved out of my apartment in XXXX of 2014. I closed my XXXX XXXX account and paid my last bill.
About 8 months later, I was told that I owed another {$490.00} which was obviously incorrect. This must have been the amount owed by the current occupant of the apartment. I on multiple times, tried to have XXXX XXXX remove the amount, but they sent it to collection with LJ Ross Associates.
I have contacted LJ Ross over 12 times to remove the incorrect information from my credit rept, and they have refused each time.
Please remove this collection from my credit report, I pray. Thank you!
|
| 12/31/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This Debt was incurred as a result of my former landlord or new tenant? keeping the power on in my name long after I left the home. I had sought him out but he lives in XXXX now. This Bill is {$580.00} dollars but when I left the house the bill was closed. I'm not sure If the new residents continued service or turned the service back on in my name using an old bill that come to the house but this debt is not mine. I wish to have this account removed from my credit report as it is totally fraudulent. I had no idea about this bill until it appeared as an unpaid debt on my credit report.
|
| 04/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I've resolved a debt of {$770.00} with XXXX XXXX XXXX as my original creditor. L J Ross Associates is on the collection agency posting that this account is still in collections. It shows negative on all XXXX creditors, but XXXX and XXXX report not paid, and says paid in full on XXXX. I paid all my debt off as of last summer, but it's still reporting and affecting my credit negatively after working hard to fix my credit for the last 2 years. I've called L J Ross associates and they stated that they don't see any record of me paying this bill and they're still going to report it.
|
| 10/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
I was called today about this debt. I am currently unemployed and do n't have the financial ability to cover past debts, I am struggling with current bills.
I told the representative that I was unemployed and unable to make a payment.
She said that she would note that I was unwilling to make a payment and that if I did not make a payment legal action would be taken against me.
I reaffirmed that I said I was unemployed and unable to make a payment.
She repeated unwilling... ( once again not what I said ) This was not the first time this collection agency has done this to me.
|
| 09/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
A collection of {$90.00} showed up on my credit report on XX/XX/XXXX for an unpaid XXXX XXXX bill in XX/XX/XXXX. I quit claim deed and was no longer the owner of the property in XX/XX/XXXX. Apparently the tenant of the property did not pay their electric bill in XX/XX/XXXX and XXXX XXXX filed the collection against me and sent to collections through L.J. Ross & Associates. I filed a dispute with XXXX, XXXX and XXXX. Both XXXX and XXXX confirmed I was not the owner and deleted the collection from my credit report. XXXX has not deleted this collection from the credit report.
|
| 06/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Mother passedXX/XX/2021. Added me to account months prior. Never used account until I was instructed to pay bills for her and rent as she could not do it herself. Used her money which was about XXXX to pay bills as instructed and now company has claimed her debt belongs to me just because she told me to pay her bills using HER money. I have disputed this multiple times with company. They still insist on me paying a deceased persons debt that is NOT my debt. It was her money when it was used. I did not want an account with the original creditor but she added me to account.
|
| 08/01/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I never received any notice for them company. I called advised the collector I was a victim of identity theft & I do not have a contact or agreement with a Wet signature from their company or client. The collector continued to overshadow me by speaking over or cutting me off. I told her this Remark was placed on my credit. She said were not removing it & I need to check with my post office they sent a letter. Which is not validation or a contract. I am requesting this removed from my credit unless a contract with my signature an be provided from LJ collections agency.
|
| 04/16/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American, Servicemember |
|
They are sending my information to credit bureau XXXX and XXXX it is not a loan they are saying trying to collect debt and when i called my health care provider they told me all my hospital expenses where paid and when i called the hospital nothing is showing that i owe anything,, i have not received any statements but now they are putting a collection notice on my credit bureau ... as of this were a loan ... this is not legal ... and i do not know how they can do this ... i do not owe any debt to LJ ROSS AND ASSOC XXXX MI ... XXXX XXXX XXXX ... please help thank you
|
| 02/25/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I have been getting these collection letters from an agency called L.J. Ross and Associates in XXXX these letters have charges up to I believe XXXX dollars on them they say from a light bill which I know is not true because my light bill is current and paid on time monthly and I know a light bill company would never let anyone get a bill that high without cancelling the service. I dont have a contract or recall ever dealing with this collection agency and would like to know why are they sending me bills that dont belong to me or I believe they have the wrong person.
|
| 11/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a debt from a utility company from LJ Ross associates based out of Michigan. Ive settled on the debt and paid a majority which they told me it was accepted. I never received any confirmation letter that the debt has been settled. LJ Ross said they mailed it, they emailed me. I NEVER GOT ANYTHING. Ive called multiple times to confirm this but they never sent me any communication. Every time I call they tell me they sent it or they had the wrong email. They sent the remainder of my debt to another debt collector so its important I get my settlement letter
|
| 09/15/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
L.J. Ross & Associate have my identity without my permission. I have not ever had an account with this company i disputed this debt with the credit bureau and they reported this debt as accurate which is fraud because I never gave them my name. address. phone number. social security number.date of birth or any of my personal information.under the FDCPA I have a right to request validation for the debt that say I owe them which will be a contract I signed with their company. this is a violation of the fcra because this is inaccurate information on my credit report.
|
| 04/21/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
I received a collection letter f rom LJ Ross on XXXX for an unpaid account from XXXX on XXXX / XXXX / XXXX . I was sure I paid that account in full but being so long I was n't exactly sure now ... So I sent a dispute letter on XXXX asking how I owed on this account a nd why LJ Ross is collecting on this account but never received any information back. Under the Fair Debt Collection Practices the collection agency is not allowed to further collect on this debt until it is verified. They are still trying to collect by posting it to my credit report.
|
| 05/27/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Regarding collection agency I requested proof from LJ Ross Associates to provide me with contractual proof that either they have a right to collect on behalf of the original debtor ( XXXX XXXX XXXX ) or that they own the debt itself and I have gotten nothing from this company. In order to collect the debt, they have no license in the state of Michigan and is not bonded in the state of Michigan. I have looked in the state of Michigan licensing to verify if this company has a license and I could not find one. Do they have a right to collect or not?
|
| 10/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.
I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
|
| 09/28/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
LJ Ross and associates. Calling and hanging up on me multiple times per week. I do not have any debt that I am aware of. They won't stop calling. They keep calling and hanging up so I can't speak to anyone to ask them to stop calling. My credit rating is over 800 and I do not have any debt for them to collect. I don't know what their problem is as they won't let me know why they keep calling since nobody is ever there to speak to. I've had enough of these people and I know my rights. They are to stop calling me immediately or this will be harassment.
|
| 08/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
LJ Ross & Associates has placed negative information on my credit reports claiming that I owe them {$240.00}. I have sent them a Validation letter request ( see attached ) via Certified USPS mail and have requested they send me the information I have requested. This company has hundreds of complaints online about its misuse and collection tactics. Under the fair debt collection act, this item has to be removed pending investigation, and if LJ Ross & Associates does not comply with my validation letter this item must remain removed from my account.
|
| 06/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
|
| 10/07/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I sent several letter for L J Ross Associates to validate the date because I never had a XXXX, they sent me a final bill with an address that I never lived at, I then sent correspondence to them asking them to let me know when it was opened and when it was closed and explaining to them that the account was not mine, they never responded after that and the are still reporting on my credit report as well as sending updates to the credit bureau, How can they verify and send updates to the credit bureau but fail to respond to my correspondence.
|
| 02/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have an account with L J ROSS ASSOCIATES IN ( Original creditor : XXXX XXXX ) with the account number XXXX. The dates where it shows that I am late in making my payments were an error. I have not received any billing information from them or any notification stating that I am late. I have reached out to XXXX Bureaus and furnisher but I have not received any forms of response from both parties. Thus, I am sending this complaint to seek help and assistance for me to have this account updated into positive and remove all the late statuses.
|
| 04/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These accounts have either been sold or transferred. According to my findings, I am no longer liable for the alleged debt, and no written communication, contract, or signature exist. A bill without a signature does not indicate that the debt is valid, and anyone may file a bill and claim ownership. I don't owe this debt, this is and attempt to a violation of the FDCPA section 809 it state if you can not validate the debt, you must request all credit reporting agencies to delete the inaccurate information from my credit report IMMEDIATELY!
|
| 06/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company is reporting a collection on my credit reports however the address linked to the collection is NOT mine nor have I ever lived there. The house number and street name and state are the same but the town and zip code are not mine. I have tried disputing this debt and asked for PROOF that this debt is mine, they have not given me proof. I have NEVER lived at the address they are reporting nor have I even lived in that town. They have not shown me anything and I am tired of it ruining my credit due to their improper reporting.
|
| 05/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/26 I sent certified mail to the all the CRA 's in regards to the incorrect information being reported and that it should be deleted. I have yet to see it removed. It is illegal to report any inaccurate information : 15 USC 1681b. There is more information that I need dto file a compliant on but this is just the beginning. I have tried to rectify this myself however it has not got me anywhere but in circles!
Also in addition to that : 15 USC 1692a this is a debt collector. They DO NOT have my consent to report ANY of this!!!
|
| 07/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have had a medical debt that is not mine reporting on my XXXX credit report from LJ Ross in XXXX Michigan. Its been 6 years now.. I disputed this on my credit over and over. I haven't used the XXXX XXXX for almost 12 years. I do not owe the amount they are listing on my credit report and it is Destroying my credit score. THey have not responded to any attempts I've made to contact them through the years. This is so old that there is no way I would even have any documentation of my last bills paid with XXXX XXXX almost 12 years ago.
|
| 04/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I recently discovered that I am a victim of identity theft. I have lived and worked in XXXX for XXXX XXXX years, however a utility account in XXXX was opened in my name. The debt collector is named L J ROSS ASSOC and the utility appears to be XXXX XXXX XXXX. I have never had electric service with XXXX XXXX. I can provide contact information for my landlord in XXXX XXXX and employer who can attest to the fact that I do not live in XXXX and have not for years. I did not authorize any third party to open a utility account in my name.
|
| 04/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This account is not owned by me. However I assisted the account owner to open this account and the account owner has been paying the account without default since the account originally opened. The account information was previously reported in my credit report to the three credit beaures and it was deleted after I complained approximately two year ago. Now after two years the same account with different company name is reported as default or bad credit and damaging my credit reputation. As result my credit score has been damaged.
|
| 11/22/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I got a call from LJ ROSS ASSOCIATES IN collections a few months back and payed the bill over the phone it was a consumers bill I never received after moving it was a prorated bill a few days left of my monthly bill. The bill went to collections for almost two year without my knowledge and damaged my credit.The bill was only around {$40.00} I payed it right way after learning about it. I would like you to make a note and repair my credit. The bill was with consumers energy XXXX My name was XXXX XXXX I am now XXXX XXXX XXXXXXXXXXXX
|
| 06/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, XXXX XXXX XXXX used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. XXXX XXXX XXXX reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
|
| 09/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Sometime in 2019, I lost my wallet with all of my personal details. I had bank accounts and credit cards opened in my name, my identity was stolen. I have attempted to fix this issue with XXXX XXXX and LJ Ross Associates to remove this from my credit report several times. I have gone on identitytheft.gov and filed disputes through XXXX and this issue is still persisting. I have never had a bank account with XXXX XXXX. The address, phone numbers and emails that XXXX had on file did not match with any of my personal information.
|
| 10/26/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to deleted the following information in my file. The items I need are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the federal Trade commission and I also enclosed copies of the federal trade commission Idenitity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible its holding my life back Im in the process of purchasing an home for me and my family
|
| 10/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Hello, I disputed a collections account that was reported by LJ ROSS to my credit report. The disputed was via XXXX on XX/XX/XXXX. My dispute resulted in the account being removed from my credit file. This same account was reported to XXXX on XX/XX/XXXX. I have had issues with this agencies before. I have a paper trail for the disputes and reporting dates. I never paid them any money. But, the account says paid now? Why would a debt collection agency, attempt to collect a debt and when no payment was issued, change it to paid?
|
| 01/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This is in regards to a collection reporting on my credit reported form LJ Ross Account # XXXX. After noticing on my credit report an account with the above listed account I reached out to find out what this is for since I was unsure what it was. They sent me a letter dated XX/XX/2020 which I will attach on this letter no information that would inform me what this is for. I sent another letter out XX/XX/2020 and XX/XX/2020 to which I got no response yet they keep reporting this information without properly validating the debt.
|
| 07/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
|
| 08/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
There are ( 2 ) " hard inquiries '' on my credit report that " I didn't not authorize '' or have knowledge of.
( XXXX XXXX XXXX XXXX XXXX.. hard inquiry on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... hard inquiry on XXXX XXXX XXXX There are also ( 2 ) " collections '' from agencies whom aren't authorized to bill me as I have had no contact with said agencies. They are " third party '' bill collectors. I have no knowledge of these agencies or their functions. These accounts were supposedly settled and closed. Thank you.
|
| 10/17/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This company is fraudulently attempting to collect that is not owed. They are stating I owe XXXX XXXX XXXX {$75.00} and my account was referred to them. the closes amount I owed to the amount they are asking for was {$72.00} and I paid it at least two weeks before I received the letter and more than 1/2 that amount would be for the current bill. That is due either on the XXXX or XXXX of this month. The name of the company is LJ Ross Associates XXXX XXXX XXXX, XXXX, MI XXXX, ph XXXX, web site : XXXX their account # XXXX
|
| 09/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
/On XX/XX/XXXX I mailed a letter to validate a collection that is being reported to the credit bureaus. The account was opened with L J Ross Associates , IncXXXX in XXXX showing a balance of {$1000.00}. L J Ross Associates , Inc. failed to respond to my validation letter although proof will show that they received this request on XXXX XXXXXXXX and have yet to respond as of XX/XX/XXXXXXXX XXXX XXXX The uploaded attachment is the letter that was mailed all with return receipt from through united states postal service.
|
| 02/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have a debt reporting across all 3 bureaus under the name of L J Ross Associates IN under the Account # XXXX. I have done no business with L J Ross as well as I informed them that my identity was stolen a few years ago in which required me to have setup fraud alerts across all 3 of my credit bureaus. It is illegal for L J Ross to spam me with letters, phone calls, and even send representatives to my doorstep. I need the CFPBs help in stopping this illegal activity right this instant or I will pursue legal counsel.
|
| 03/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2022 the debt of the amount of {$970.00} was disputed on XXXX, XXXX and XXXX as being not a valid debt. The collection company L j Ross Associates still has not reach out to me to provide a legally required debt validation letter, which outlines what debt and original contract, creditor information payment history, proof of ownership. The statute of limitation on New York State debt is 3 years. This debt is incorrect on my credit report and should be removed due to it being time- barred and falsely stated.
|
| 05/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I moved out of my home on XX/XX/2015. At that time I spoke with a customer care agent at XXXX XXXX so shut off my electric service. to this day the account shows " open '' and I have a balance of XXXX which is incorrect. I have tried multiple times to dispute this. If XXXX would pull their calls from XX/XX/2015 they will here myself and the customer service rep confirm that service should be shut off at my address. The last address they should have it in XXXX PA XXXX I do not recall the street or house number.
|
| 03/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I just got a copy of my credit report and noticed this bill from XXXX XXXX for {$1200.00}. Dated for XX/XX/XXXX but It wasn't assigned to my credit until XX/XX/XXXX. I had already moved to XXXX. XXXX paid my bill in XXXX and it had to be paid in full. How could I owe {$1200.00} in XXXX? XX/XX/XXXX I came to XXXX to find a job and residence before I moved here the end of XXXX. I don't have the receipts from The Department of Human Services, but I don't owe XXXX XXXX XXXX No more than {$100.00} for final bill.
|
| 03/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There was a fraudulent gas bill add to my credit report via LJ Ross & Associates in which they claimed to have purchased this debt from XXXX XXXX. I contacted the original debtor ( XXXX XXXX ), provided them all my pets information & police reports. Peoples gas sent me a letter saying they made a mistake & they would notify all 3 credit Bureaus to remove this debt immediately. I sent copy of this letter to LJ Ross & Associates and they still wont remove this fraudulent debt that I have proven is not mine.
|
| 07/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
Your company is reporting an account on my credit report inaccurately. I have never opened or given permission to anyone to do so. How did you obtain my personal information? It Is Violating, Intrusive and Illegal.
These accounts were opened fraudulently, I'm very upset that you have included this inaccurate information on my credit report.
I have wrongfully been denied credit recently due to the intentional inaccurate information that has caused me a world of trouble financially and emotionally.
|
| 08/29/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
LJ ROSS called me and they want me to pay {$320.00}. I paid all my balance by XXXX XXXX credit card settle in full XX/XX/XXXX-XX/XX/2019.
They still sent my file for {$42.00} on XX/XX/XXXX-XX/XX/2019.
We are trying to refinance our house and the score dropped drastically. I called them and they said they missed the amount so they reported to the credit bureau.
I again offered to pay and they took my money and they are stating it's my job to call all bureau and fix. The staff is rude.
|
| 01/15/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Hello, I am filing an complaint with the company LJ Ross as they have been trying to collect a debt that is not mine. The dates that they claim the account to be opened on are below. I have tried to resolve the late payments with this company and have not gotten anywhere. These debts were paid by the medical insurance company and are not owed. Please remove these off of my credit report. I am trying to buy a home and these are holding me back.
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
|
| 08/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I saw this collection on my credit report and requested a validation of the debt from LJ Ross Associates, the collection agency on XX/XX/2023. As you can see from the attached documentation, the request was received on XX/XX/2023, but I have not received any of the requested documentation within the required 30-day time frame. Therefore I would like to request that LJ Ross Associates stop reporting this collection to the three credit bureaus. Thank you for your assistance in this matter.
|
| 12/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Hello, I have a collection notated on my credit report from LJ Ross and Associates on behalf of XXXX Hospital. This is an inaccurate collection due to XXXX Hospitals payment posting to an incorrect account. This collection was immediately disputed with LJ Ross and XXXX Hospital was contacted and the collection was resolved. The collection is updated as paid but I believe it should be deleted. Both XXXX and XXXX have failed to investigate my dispute which was submitted through XXXX XXXX.
|
| 03/30/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Last XXXX I contacted XXXX and informed them that on XX/XX/2020, the debt they had assigned to yet another debt collector had been assigned as part of my divorce settlement to my ex-husband as his debt. I provided the collector with a copy of the divorce decree via certified mail and they lost it in XXXX XXXX XXXX. The debt continues to be placed from agency to agency to keep it new and hitting my credit. I have told them not to contact me and that I was not responsible for the debt.
|
| 02/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Contacted XXXX in 2017 when I found that the tenant XXXX XXXX XXXX XXXX at the time did not transfer account over to his name. XXXX told me to have tenant contact them to have account transferred and they would send out a letter to have signed by me and tenant. Instead of XXXX transferring the account they made up a new account and never sent out a new letter.
After several attempts of contacting them and disputing the account with the credit bureas, I decided to reach out to you.
|
| 08/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The company is using false and deceptive practices to furnish account information on my credit report without my expressed written consent. The company 's actions are a result of identity theft.
I have never heard of the company, and I am not in any contractual agreement with the company.
The companys actions have violated my consumer rights under federal law and have caused me personal injury.
The company is civilly liable to me under the Fair Debt Collection Practices Act.
|
| 10/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2023 L J ROSS ASSOCIATES, placed a sent collection on my credit report without my written consent. The collection showed I owe the company {$220.00} for a service I never requested or signed any contract stating I would pay this amount.
Based on federal law : 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft.
|
| 10/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
A debt validation letter was sent out to collection agency, LJ Ross Associates ( account # : XXXX ) during the earlier part of XX/XX/2018. Collection agency promptly replied and validated that debt was paid in full to the original creditor ( see attached ).
However, said collection is still listed on my XXXX credit report. A letter dated XX/XX/2018 was sent to XXXX to contest the negative item.
Please assist in resolution of this matter. I appreciate the help!
Thank you!
|
| 12/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
LJ ross put something from XXXX XXXX on my credit report without validating the debt. XXXX is not able to put anything on my report without going through the court due to a previous dispute. But at this time I do not owe anything to XXXX XXXX and LJ ross failed to respond to me in a timely matter and is thus reporting inaccurate data on my credit reporting preventing me from getting a home. Thus I will be looking at taking the next step in legal action against both parties.
|
| 03/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Could not provide original contract from company to verify the debt.
One agent claimed they sold the debt to them, I asked them for proof of purchase ( to verify the own the debt ). Then another agent told me they are a subcontractor.
Original company says the balance is entirely paid off.
Debt is 2 years old and I received no notification that this debt existed.
They also could not provide a full payment history associated with the account, just this supposed balance.
|
| 01/03/2024 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I am being charged for an alleged debt, and I never entered into a contract with L J ROSS ASSOCIATES IN. They are harassing me by communicating with me electronically using the medium of credit reporting agencies and reporting my social security number to these agencies as well. They also never provided me with any written notice or right to dispute the debt before publishing it to my credit report. These acts are severely prohibiting my ability to access my own credit.
|
| 06/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am trying to purchase a home and had to apply for a home mortgage. I was turned down by the lending company I applied to because someone used my identity to fraudulently open a XXXX XXXX account which is now with the collection agency LJ Ross. I am unable to purchase my home until this fraudulent account is removed from my credit report. I filed an Identity Theft Report with the FTC which is signed and attached to this complaint along with validation of my identity.
|
| 03/12/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I received two scam likely calls from XXXX. I received a third call today from a XXXX asking to speak with me. I responded with this is he and she asked to verify personal and sensitive information. I asked what this was in reference to and could I have the name of the creditor and she began to berate me, yell, and then hung up. I called back and the phone line says they are closed.
I cant figure out what debt, if any, that I owe. I need help desperately. Thank you
|
| 04/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX received U.S.P.S. letter # XXXX on XX/XX/2020. This letter contained a sworn affidavit, XXXX police report and federal trade commission report declaring my having been made a victim of identity theft. As of XX/XX/XXXX, XXXX has neither removed the items nor offered me any correspondence regarding the matter. I have not been able to speak to a representative and I am suffering damage from their inept business practices and refusal to comply to FCRA guidelines.
|
| 02/23/2016 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
There try to collect a debt from XX/XX/XXXX from XXXX XXXX in the amount of {$280.00} .In XX/XX/XXXX hired a attorney to represent me and they ( My attorney ) are trying to collect for the collection agency. This debt is clearly pass statutory of limitations, So it should n't have been on my record let alone shared with this attorney.This is a Fraudulent act on both parties, Reporting attorney to the attorney grievance community currently in court about this matter.
|
| 04/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This account was created fraudulently without my knowledge or consent. I am unaware who created this account and have fought this several times for several years. I am a victim of identity fraud. I have provided all necessary documents proving this is fraud. I was living in a different residence when this account was created. This account stayed open fraudulently from XXXX. I have submitted all proof again.. please remove this from my credit report asap. Thank you.
|
| 07/03/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
XXXX of 2022 an account was opened in the amount of {$850.00} with L J Ross Associates. I was never notified of the alleged debt via writing nor by a phone call and they have reported this information to the credit bureaus and it is having a negative impact on my credit. Not only is this a violation of my privacy, I've never conducted business with this company and would like for them to present the original contract with my signature to validate the alleged debt.
|
| 08/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I called and spoke with a representative from the collection agency listed on my credit report. L J Ross Associates Inc located in XXXX Michigan. I provided them with the account number listed on my credit report and they said they couldn't find my account. I also reached out to the original creditor XXXX XXXX XXXX located in XXXX Michigan and was unsuccessful. The complaint number was XXXX. I have attached the page of my credit report showing the account.
|
| 10/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2021 I checked my credit reports as a monitor them on a daily basis. A new collection had shown up for a company called L J Ross and Associates. It looks like this is for a XXXX XXXX account. I have a current account with XXXX XXXX. One that is in good standing. This collection agency reported it to the three major credit reporting bureaus. No notice was ever sent to me regarding who this is or what this account is for. No details were ever supplied.
|
| 12/26/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
Im asking this institution to do an investigation to this LJ ross, for sending me the letter which I never knew, that I owed them, this is fraud and un fair to a consumer like me, because I never late in my dues, I know that you are helping a lot of clients, and I never had a problem with my credit, my XXXX XXXX went up, when I never knew that I owed this company.
Hoping for your kind consideration to this matter, Respectfully yours XXXX XXXX XXXX female
|
| 07/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In 2016, while I was in XXXX XXXX, under the age of XXXX, a legal guardian put my name on the gas bill without my consent. I tried to reach out to the company and they explained to me that I would have to pay the debt since it was in my name. Upon further research I discovered that the company L J Ross Associates , Inc. Is not licensed to collect in Illinois XXXX This is not my debt, and the collector is not authorized to report this on my credit profile.
|
| 08/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a letter from LJ Ross on or around XX/XX/2018 attempting to collect a debt from XXXX. I mailed out a letter requesting LJ Ross to provide me with the contractual agreement between LJ Ross and myself on XX/XX/2018. I requested that they send me that contractual agreement within ten ( 10 ) days of receipt. They received the letter on XX/XX/2018 and as of XX/XX/2018 I still have yet to receive the contractual agreement between LJ Ross and myself.
|
| 02/16/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I had a medical bill that was paid in XX/XX/XXXX to the XXXX Hospital and I have a copy of the check to prove that was the date the amount was collected. My credit report states that this item was sent to collections in XX/XX/XXXX with LJ Ross and Associates. I have attempted to contact them to clear up the fact that they did not collect the money from me, it was in fact the hospital that told them I no longer owed the money as I had paid a year before.
|
| 03/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/2021 I spoke to XXXX XXXX XXXX in regards to a bill that has been paid directly to XXXX XXXX XXXX. They stated they have removed authority from LJ Ross to collect on this debt and to report this debt. They have sent a letter to LJ Ross and to myself stating the debt was removed from them as it is paid in full directly to XXXX XXXX yet LJ Ross continues to report this debt on my credit reports. They do not have authority to report this debt.
|
| 02/23/2016 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
There try to collect a debt from XXXX from XXXX XXXX in the amount of {$280.00} .In XXXX hired a attorney to represent me and they ( My attorney ) are trying to collect for the collection agency. This debt is clearly pass statutory of limitations, So it should n't have been on my record let alone shared with this attorney.This is a Fraudulent act on both parties, Reporting attorney to the attorney grievance XXXX currently in court about this matter.
|
| 07/21/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Good morning, The problem is that something is showing on my credit report as a collection/derogatory, but it does not show me what I owe, so I called LJ Ross and asked them and answer was I owned nothing, but I need it off my credit report but credit bureau wo n't remove it ... Please advise.. Name of the company is LJ Ross, address is XXXX XXXX XXXX, XXXX MI. XXXX, # XXXX, regarding XXXX XXXX, account XXXX, date on credit report is XX/XX/2013.
|
| 06/23/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
L J Ross will not stop calling me. They called me countless times during work and I am unable to pick up. Every time I called them back, they said my number is not in their system and I do not have an account and their IT department would resolve this issue. I finally sent a cease and desist via certified mail and still continue to receive calls. I am now pursuing civil action against them for their numerous violations against the FDCPA laws.
|
| 10/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a notice from XXXX XXXX I have a negative mark on my credit score. The company is L.J. Ross and Associates with original creditor as XXXX XXXX. I have moved my permanent residence but have forwarded all of my mail and have never received any formal notices about any attempts to collect a debt from this company ; just a negative mark on my credit score. According to XXXX XXXX, the account was opened on XX/XX/22. It is now XX/XX/22.
|
| 10/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Date Assigned : XX/XX/2022 Amount : {$1100.00} I have never done any business with this collection agency, Im being extorted and scammed! Ive never had any business with them or signed a contract. I never gave any third party to report anything against me either or information. I dont know who this company is and this information is incorrect. My account with XXXX XXXX is active. I want these items removed off my credit report immediately.
|
| 03/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
LJ ROSS Assoc, have received the official police reporting showing my identity was used without my permission to open a fraudulent utility account. They sent a letter stating they would cease communication without stating they would cease all attempts to collect the debt owed and removing the account from their record. The police department instructed for me to exercise my rights using CFPB and other agencies to get the matter resolved.
|
| 01/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I just was aware today XXXX XX/XX/XXXX after being denied for an apartment that I was denied because of a collection. When I went to check my credit report it states that I have a collection of {$1000.00} for L.J. ROSS, XXXX XXXX account that was opened XX/XX/XXXX. Ive never had a XXXX XXXX account. Ive stayed with my parents at my current address XXXX s. XXXX XXXX well over 2 years, I dont have, nor do I need a XXXX XXXX account.
|
| 05/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/2021 I disputed an account that doesnt belong to me, no written information received that this debt belonged to me. XXXX XXXX XXXX in the amount of {$480.00} XXXX Ross is an unknown account to me, I did not open this account in XXXX therefore this account doesnt belong to me. The dispute came back XX/XX/2021 stating that account was verified. Account was nit verified and information was not sent pertaining to this account.
|
| 09/30/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
In accordance with the fair credit Report act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| 07/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Ive recently was notified by checking my credit report, that a unfamiliar debt was posted on my credit report. The account debt that was posted was by LJ ROSS Associates for a XXXX XXXX XXXX. I have dispute this matter with XXXX as well XXXX. This is not my account. I have not lived in that apartment in over 5 or so years. When I have moved from that location, I called XXXX to discontinue services. My balance was at {$0.00}
|
| 09/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
On XX/XX/22 I noticed that a collection account was furnished to XXXX, XXXX and XXXX without my consent or knowledge. L J ROSS ASSOCIATES reported an account # XXXX with a balance of {$2500.00}. I have no agreement or contractual obligation and have no idea who this company is. My privacy has been violated and my reputation has been negatively affected due to the misconduct of this corporation.
Please Review attachment
|
| 07/22/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
All my debt to XXXX Hospitals were paid in full in XX/XX/2017. Verifying my credit score recently I see a debt of {$100.00} sent to a collection agency, debt that is not owned by me as all the invoices were paid in XX/XX/2017 by my insurance company and the remainder amount by credit card. I have to mention that no invoices were received after the full amount was paid, therefore this {$100.00} shown is an absolute error.
|
| 05/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have disputed the error of L.J. Ross three ( 3 ) times, reporting I falsely owe this company {$2300.00} to XXXX XXXX hospital. I have contacted XXXX hospital and because they DO NOT request IDENTIFICATION upon registering consumers, I have been SELECTED to pay unknown medical bills for services I have NEVER used. I am entitled to an accurate credit report and this company is reporting FALSE information under my name.
|
| 09/18/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2019, looking on to my credit report using XXXX XXXX XXXX, I noticed there was a charge from LJ ross associates for the amount of {$2400.00}. This was opened fraudulently, and placed on my credit XX/XX/2019. On XX/XX/XXXX i sent a letter to LJ ross indicating i never open an account with them or any company name XXXX. I also spoke with a representative from LJ ross, on XX/XX/2019 regarding these matters.
|
| 11/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.
The XXXX Credit Bureau is reporting inaccurate information on L J ROSS ASSOC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
|
| 10/11/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX ( Original Creditor : XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
|
| 03/13/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This is an old XXXX bill that accrued in XXXX. LJ Ross refuses to even contact me regarding this fact. XXXX told me that they sold ALL my account information to LJ Ross Associates, so I know that LJ Ross has the information and they are still showing this old amount on my credit reports. They will not acknowledge me and or my requests, demands, etc, regarding said matter. They are fraudulent and they know it.
|
| 05/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
The final bill for XXXX was paid directly to them, not a collect agency yet they continue to report to the credit bureaus as if I did. My final bill never reached me since I moved once my mail was routed properly, I was able to pay the bill as soon as I received it. The collection never even contacted me to begin with, they just showed up on my reports. That is not what the law states and they are breaking it.
|
| 04/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I sent a debt validation letter on XX/XX/2021 and LJ Ross Assoicates failed to validate my debt. Instead on XX/XX/2021 they sent me a list of my medical records, which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to my medical information. Please delete this information from my credit file and cease all collections and activities immediately.
|
| 11/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
L J ROSS ASSOCIATES, INC placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. never receive written notification of this alleged debt at my address of XXXX XXXX XXXX, XXXX PA XXXX
|
| 07/08/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
LJ Ross NEVER sent any verification, yes they have a cease and desist as they wanted to harass me and illegally call my mother and discuss my affairs and have refused to send anything proving this is my debt. Attached is a fraudulent statement by LJ Ross to XXXX as they never sent me this information at all, this debt needs to be removed under FCRA as they are refusing to show me being a responsible party.
|
| 11/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report.
This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST remove this collection account immediately.
|
| 04/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
L.J ROSS ASSOCIATION VIOLATED 15 USC 1692g -VALIDATION OF DEBT L.J ROSS ASSOC . VIOLATED 15 USC 1693o-1-Remittance of Transfers ( A ) 15 USC 1692 ( 1 ) L. J ROSS iS a3rd party debt collection agency attempting to collect a debt in which they did not administer violating FCRA AND TRUTH IN LENDING REGULATION Z. CFPB Has aready sued XXXX for reporting fraudulent information to consumers credit profiles.
|
| 10/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A XXXX account was opened in my name in XXXX and never paid until it was closed in XXXX. I was never aware of this until last month L J Ross and associates hit me with a collection. I called both companies letting them know i was incarcerated in XXXX and didnt get out until the end of XXXX and that i had the documents to prove it. Both companies gave me problems and never once accepted the documents
|
| 03/09/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have medical bills I have disputed for detail statements to verify debt.I also ask that no info given is medical description because there are thing that I only want a doctor to know Under the Hippa. Its been well over 30 days. I would like them to be removed from my credit report. I also had some letters return to me. I would like to know there Registered/Licensed number to collect peoples debtss
|
| 09/22/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Indicated shouldn't respond to lawsuit
|
|
Web |
Servicemember |
|
I formally dispute the validity of this debt. Please provide me with the following documentation that supports why you believe this debt belongs to me, and why you believe I owe this amount.
invoices from XXXX to my address mentioned above.
Please send me copies of the original application for this account, any signatures associated with this account, any bills associated with this account, etc.
|
| 03/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX XXXX
turned a bill over to LJ Ross Collection Agency. I never received any written communic ation via email or USPS. They have the bill at {$510.00}. They could not tell me the time frame that this money covered. I am not paying the Landlords bill if the coverage period is after we moved. I want this collection removed from my report and the opportunity to research resolve and pay the debt.
|
| 01/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Account Details Last Reported XX/XX/XXXX Collection Agency LJ ROSS Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$620.00} High Balance {$620.00} Remarks Placed for collection Creditor Contact Details No contact information has been reported by this creditor.
This is on my report with no further info as to debt or debtor
|
| 12/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/21, I pulled a copy of my credit report. I noticed there was collection on there from LJ Ross Associates. It's a collection for a XXXX XXXX bill, which I never opened or gave permission to use my personal credentials. The collection was reported XX/XX/21 without any notification. The amount is for {$410.00}. I'm asking that this account be removed immediately as this is fraudulent!
|
| 02/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a {$74.00} collection on a utility on XX/XX/2018 that was paid in a result of selling an investment property I own. The utility bill was directly paid to the utility company paid and I received a collections after the house was no longer own by me. I didn't receive a letter nor a phone call regarding this collection. I called the utility company and they said the bill is paid.
|
| 03/23/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have spent 2 years monitoring my credit so one day we can buy a house. I get a letter from XXXX XXXX???? Who fraudently says I have an unpaid account with XXXX XXXX XXXX XXXX whatever that is. Woman was rude when I tried to clear this up. Totally bogus and says they won't give me original creditor unless I contact them in writing!! Call themselves XXXX in another section. Ridiculous!
|
| 04/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
LJ Ross Associates placed a collections account on my credit report for a purported five-year-old debt I do not owe. LJ Ross Associates acted with wanton disregard for the truth, and placed this item on my credit report without verifying the amounts with me, and without properly auditing the accuracy of the data. I attempted to contact the company by phone, but they did not answer.
|
| 09/17/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I notice on my credit report LJ ROSS ASSOCIATES IN is reporting a balance of {$140.00} which I do not recall I requested a signed document bearing my signature stating this account belongs to me. This item is reporting on XXXX, XXXX, and XXXX. This is a violation of the FCRA. I havent received anything from this company nor spoken with anyone to verify this account is linked to me.
|
| 07/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
L J Ross and Associates is trying to collect on a non existent debt from XXXX XXXX XXXX. Their online systems for both my wife and my accounts show a XXXX dollar balance, yet they are trying to collect on a debt. I am not sure if they obtained my information in a fraudulent manner or not.
I have also not received a statement for this reference account from the original creditor.
|
| 06/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
The company continuously calls me, repeatedly all day long and leaves multiple voice mails all on the same day. Last I checked, according to the Fair Debt Collections Practices Act, once you leave a voice message, that's considered a contact and you may no longer call me for the day. Either way, its harassing, especially while I'm at work, and gave no permission to contact me.
|
| 03/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I've repeatedly asked L.J. Ross to verify this account with ME, the consumer. It appears on my credit report, therefor, I have the right to know who L.J. Ross is. They have sent me nothing in the mail, they have continued to report the account, and they've even sent written verification to the Credit Bureaus, bit nothing, NOTHING to me! This is INSANE!
PLEASE HELP ME!
|
| 05/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I had checked my credit report and found fraudulent accounts. I disputed the accounts for a few months with the credit bureaus and with the debt collector. I filed a police report and a FTC Fraud affidavdt. LJ Ross still refuses to remove this fraudulent account from my credit reports after months of fighting. I need help from the government now to resolve this issue.
|
| 01/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On XXXX XXXX I sent a letter of Verification to LJRoss about a bill reporting on my credit report from them. I asked them to send all necessary documents with information Validating the debt owed to them. They in turn sent a copy of a itemized bill which is not validating a debt owed to them or a signed contract stating that I agreed to pay any amount owed to them.
|
| 12/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. I recently reviewed my credit report and found several accounts that were not opened by me. A collection agency called XXXX XXXX XXXX is attempting to collect a debt that was opened as a result of identity theft. I have attached a copy of my affidavit of identity theft from the FTC to this dispute which details the identity theft.
|
| 08/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2023 Talked with debt collector inregards to collecting a debt using unfair practices.
Trying to collect with wrong account information and no validity of the debt. The collection is not within guidelines for scoring algorithm and is a collection account. No history is available and would like it removed from the account. I assume it as Identity fraud.
|
| 09/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I did not receive notification that the debt was owed nor did the company notify me regarding the debt being transferred to a collection agency. After reaching out them to request this information, roughly 2 months ago, I still have not received any of this information. As of today, I believe they have sold the debt to another collection agency and as well.
|
| 05/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I was notified by XXXX XXXX that I had a delinquency in my report. When I looked at the delinquency it was with LJ Ross and Associates. I contacted them and they told me it was an unpaid bill to XXXX XXXXXXXX in the amount of XXXX. I have never resided in Nevada so this is clearly fraud.
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX phone XXXX account # XXXX
|
| 07/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/2023, a XXXX balance showed up on my credit report. I saw that it was from LJ Ross Associates and it stated that it was for my old utilities. However, there was never any balance on my account. Any attempt to collect any debt is fraudulent and as an attorney, I will see to it that this matter is litigated if it is not removed from my credit report
|
| 10/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
LJ Ross has attempted to collect a debt even after receiving supporting documentation that the debt is not owed.
The debt claimed was to XXXX XXXX, in the amount of {$100.00}. LJ Ross placed negative records with XXXX, XXXX, and XXXX.
The reporting date was XX/XX/2019.
I wish to pursue damages against LJ Ross and have the negative strikes removed.
|
| 12/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Back in XXXX of XXXX I filed identity theft because someone used my information for a cXXXX XXXX XXXX and I never lived or was associated with the address. It was removed from my report l. Im XXXX of XXXX it comes back on my report and the I explained to the company and the credit bureau. They still has it listed stating I am responsible for the debt.
|
| 02/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Checked on my credit report and saw a balance of {$1500.00} from XXXX XXXX XXXX XXXX XXXX at am address I have never lived. I tried to dispute it through XXXX XXXX and they haven't done anything about it. I refuse to pay for a debt that's not mine. According to the report it was opened on XX/XX/2021 but they keep updating the last reported information.
|
| 08/15/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received notification on my credit report regarding collections from XXXX XXXX XXXX XXXX XXXX # XXXX, with its original creditor XXXX XXXX. Ive never visited XXXX, nor its medical facilities. The collection date opened is XX/XX/2022, with a balance of {$1000.00}.
Im requesting that the collections are removed from my account because it isnt mines.
|
| 10/10/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is from a on the job work injury. I was transported by my employer to XXXX XXXX XXXX XXXX, to receive XXXX XXXX XXXX XXXX Workers comp 100 % responsible. Both Lj Ross and XXXX XXXX agree my employer is responsible. But still send me into collections, instead of billing my employer.
Total trying to collect is {$250.00} from XX/XX/XXXX XXXX XXXX
|
| 05/23/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XXXX XXXX I was informed that lj Ross and associates had a collection in my name for {$11000.00} and when I call to inform them the the information that they had was wrong they told me it was not there job to fix the information and to dispute it but if I dispute the information then I would lose the loan for a house that I am trying to get.
|
| 09/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am not liable for this debt with XXXX XXXX XXXX and do not have a contract with L J Ross Associates. On XX/XX/2023, LJ Ross Associates reported a balance of {$500.00} which negatively affected my credit rating. I asked for validation of the debt to which they did not provide. I have disputed this account with XXXX, but the account was not removed.
|
| 05/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I recently received my credit report and discovered a collection account for LJ Ross for electric service in XXXX, TN. I am a full time resident of Texas and have lived in Texas consistently for 20 years. I have never lived in XXXX nor have I ever had electric service with XXXX XXXX. This account is not mine and may be a result of identity theft.
|
| 06/06/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have sent LJ ROSS a Notice of Dispute and Demand for Debt Validation Notice. They have not responded to my request. When I review my credit report each month LJ ROSS shows a different address to contact them regarding this alleged debt. It is my belief that LJ ROSS is giving false address information in an attempt to never resolve my complaint.
|
| 04/26/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
To Whom It May Concern - I had some medical bills with XXXX XXXX that were put into collections with XXXX XXXX. I paid the balance in full and the accounts are still on my credit report. I am in the process of purchasing a home for me and my daughter and this is presenting an obstacle. I'd like these removed from my credit.
Thank you, XXXX XXXX
|
| 05/24/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
At XXXX on XXXX, XXXX, 2023 I received a robocall - an auto-dialer and recorded message - from LJ Ross Associates XXXX I was then connected with an individual who explained that the call was recorded and an attempt to collect a debt.
My understanding is that using robocalls in the pursuit of a debt is illegal without express written consent.
|
| 07/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
|
| 09/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
L J Ross Associates is trying to collect {$3000.00} that they claim I owe XXXX XXXX. As Ive already told XXXX XXXX umpteen times, the withdrawals from my checking account that make up this balance were not made by me! They are fraudulent transactions. I do NOT owe this money and Im not giving XXXX or this debt collection company XXXX XXXX!
|
| 02/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Never received notice to dispute.L J ROSS ASSOCIATES, INC placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports.
|
| 10/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My name is XXXX XXXX, D.O.B XX/XX/XXXX and Social Security Number is XXXX. On XX/XX/XXXX I discovered L J Ross Assoc for XXXX had been re-inserted onto my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately
|
| 01/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
LJ ROSS ASSOCIATES have ruined my credit by falsely adding a collection account that is NOT mine.
I don't have an account with LJROSS. I have never had a contract or financial obligation towards XXXX XXXX. They are trying to collect money that it NOT owed.
I need the collection removed from all my 3 Credit Reports.
Thanks, XXXX
|
| 06/30/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
As of XX/XX/2022 have not received any information about this collection. I disputed all my credit bureaus due to unverified information. This is fraud and is a violation of the Fair Debt Collection Practice Act and validation is required by Federal and State Law. In addition, is a violation of the HIPAA Act. This must be REMOVED.
|
| 10/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Lj Ross has attempted to collect a debt for a company in XXXX XXXX mi XXXX XXXX that is not my account. I contacted LJ Ross and asked them to investigate this debt through XXXX XXXX because I have NEVER lived in XXXX XXXX michigan. However LJ Ross proceeded to try and collect on this account and has now added it to my credit file.
|
| 09/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
XXXX did not remove 2 accounts that was opened in my name as a result of identity theft ... even after proof of the identity theft was given 4 times.
Lj Ross assoc acct XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX These accounts are not mine never recieved services or opened these accounts. Opened as a result of identity theft.
|
| 07/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I'm trying to buy a house the information that was on my credit report was not accurate. I realized that I had damage report on my credit report. Some was already all paid off, they still have it on mmy credit report. According to the law 15 U.S.C 1681 there should not be no damage on my report it's a definition to my character.
|
| 05/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I explained this debt is reappearing after on or about XX/XX/2022 I provided a police report and confirmed my address during the time the account was active. The representative told me I was mentally unwell ( XXXX ) and I'll pay this bill after they report it to the credit agencies. These charges were a result of identity theft.
|
| 12/06/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was recently denied a credit card and when I reviewed my credit report I saw this fraudulent account on my credit files. I have never conducted business with the company reporting this debt LJ ROSS Associates XXXX XXXX {$1900.00}. This account is not mine and I have notified the credit bureaus that this account is fraudulent.
|
| 12/04/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I tried disputing debt multiple times this is not my debt I was not even a resident of the state when asked where it took place. They keep saying its verified but its not verified if I stayed in a different state. How do I accumulate a bill when I was in a different state with health insurance? Opened XXXX XXXX. XXXX is XXXX.
|
| 01/24/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I had several visits regarding a XXXX XXXX XXXX. I made monthly payments The oldest amount due XXXX was sent to collections despite my making monthly payments. I told the collection agency immediately that I would only communicate with the original creditor. I continued to make monthly payments until account was paid in full.
|
| 04/23/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
The debt was discharged in bankruptcy however XXXX continued to contact me requesting that I make a payment. I made a full payment of XXXX as requested. It shows on my credit report as discharged in bankruptcy so they had not right to harass me for payment. I would like a full refund of the XXXX that I paid to their company.
|
| 09/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Date opened XX/XX/2021 Balance {$330.00} L J ROSS ASSOCIATES IN did a collection at my XXXX score account. I dont recognize this debt. I wasnt living in this unit when the XXXX XXXX XXXX charged any amount. It may be possible that with the COVID pandemic they kept using my name for the electric service after I moved out.
|
| 09/01/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
i have try to contact the company that claims i owe a debt however the information they have is wrong the social security number they have do not belong to me and is unable to provide me with any paper work with the right social security number on it that i sign and the social security is my correct social securiy number
|
| 12/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XX/XX/XXXX I sent a dispute to XXXX in regards to identity theft. I have not lived in XXXX since XXXX. Someone has gotten my personal information and opened a utility account in my name. XXXX said they would send out a fraud affidavit on 6 different occasions and I have yet to receive one. The amount total is {$2000.00}
|
| 11/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
i have a fraud account on my report ive submitted all required documents to support my claim, the bureau claims that these documents were not in report as a cfpb rep clearly states that they are included as this report will also ... ... .. L J ROSS ASSOC IS A FRAUDULENT ACCOUNT I WILL LIKE TO HAVE IT REMOVED IMMEDIATELY
|
| 03/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
L J Ross Associates, Inc at address XXXX XXXX XXXX XXXX, MI XXXX has been sending me collection notices in the amount of {$340.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
|
| 08/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX IS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY A COLLECTION STATUS AND XXXX XXXX IS STILL TRYING TO COLLECT. I even submitted a cease and desist. I Attach the letter too and they could not provide the promissory note of this alleged debt.
|
| 10/19/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
It has been brought to my attention on XX/XX/XXXX after I had reviewed my own credit report which I do about twice a year. There had been a collection acct in the amount of {$110.00} acct : through LJ ROSS ( original creditor : XXXX XXXX XXXX XXXX ). I was never properly notified of this neither by phone or mail.
|
| 06/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
LJ Ross Associates are furnishing inaccurate and incorrect information to the consumer reporting agencies.15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 07/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
On XX/XX/2021 I checked my credit report and found erroneous information that indicated I hadnt paid an account that I didnt authorize to be opened in my name. I am making a police report today and id like this account investigated and removed from my credit profile. The account hit my credit on XX/XX/2021
|
| 01/27/2017 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a letter dated XXXX/XXXX/2017 alleging I owe XXXX XXXX XXXX XXXX XXXX on XXXX different accounts. I do owe them for XXXX emergency room visit, which I am making agreed upon payments which their letter had the incorrect balance. I have no knowledge of what this Collection Agency is talking about.
|
| 02/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Collection was sent to LJ Ross but when service was reactivated at new address the debt was sent back to XXXXXXXX XXXX and was resolved through XXXX XXXX. LJ Ross kept giving the run around and was not helpful at all. Spoke to 10 different people, kept getting transferred and very rude customer service.
|
| 12/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
L J ROSS ASSOCIATES INC is reporting a Inaccurate account on my credit report, The account is not mines and L J ROSS ASSOCIATES INC has failed to verify the Accuracy of the account in question, I have no sign contract with L J ROSS ASSOCIATES INC They are Illegally putting things on my credit report
|
| 08/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
L.J Ross Associates so a few months this company have been harassing me making phone calls to me {$6300.00} the collection have been reported past due. I donot know this company this company do not have a contract with me or anything I signed with them. I have never done business with this company,.
|
| 10/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
L J ROSS ASSOCIATES at XXXX XXXX XXXX XXXX, MI XXXX has been sending me collection notices in the amount of {$550.00}. The collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
|
| 08/27/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
L J ROSS ASSOCIATES at XXXX XXXX XXXX, XXXX, MI XXXX has been sending me collection notices in the amount of {$460.00}. The collection has been reported as past due. I do not know this company. I have never did any business with this company. This company does not have a contract with my signature.
|
| 02/17/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
|
| 07/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
A bill does not imply that these account are valid, anyone can send a bill a claim ownership. I do not have any agreement with these company a contract showing that I have legal obligation to pay them. I am requesting you to send to me all the paperwork associated with the mentioned accounts.
|
| 12/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/2023 I had a collection put on my account for XXXX dollars I didn't have a single doctor bill of that amount. In XXXX what they did was combine a bunch of small bills and made it XXXX bill so they can report it on my account. This is an unfair practice and i want it removed. Thanks
|
| 07/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
LJ Ross refuse to show validation of the debt they claim I owe them! I have requested validation of any, pertaining to LJ Ross and I in any contract or agreement. I 've written the credit bureaus as well as LJ Ross. Each company refuse to validate the account LJ Ross claim I have with them.
|
| 09/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX XXXX is sending me to collections for a {$2000.00} debt over light bill that was not opened by me. I did not even live in the state of New York when it was opened. them with all of that information and explain to them that it could not have been me because I was too young at that time
|
| 12/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
There is a collection that I have already disputed with nothing received in return. This is an unknown account, I do not owe nor have I had any business with this company. This is a mistake that I was never notified to be able to request validation before it was added to my credit file.
|
| 01/19/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I am a victim of identity theft. My personal information was stolen as a result of the XXXX breach of XX/XX/year>. There are several items where I am not familiar with, countless of inquiries I did not authorize and this had brought adverse action against me and my credit score.
|
| 06/18/2019 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Today, LJ Ross Associates, contacted my father ( I am not a minor ) and gave him specific details as far as my account number, the name of the company owed to and the exact dollar amount owed to XXXX. My father was not associated with this account. I was the only account holder
|
| 06/28/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This phone number XXXX from LJ Ross and Associates continue to call my cell phone and tell me that I owe medical debt in XXXX when I have never been to XXXX in my life. They will not stop calling me!! Its rather frustrating especially when I know I do not owe any hospital debt.
|
| 10/12/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received notification from credit reporting that a collections account from LJ Ross Associates had been placed on my credit. I did not receive any notification from the company to investigate or dispute nor do I have any notifications of the debt from my healthcare provider.
|
| 08/29/2020 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
This XXXX XXXX agency has said this dept is mine and it is not, they say they verify its mine and they have not. I have disputed this on my XXXX credit report and this collection agency said its mine so XXXX told me they have to say its accurate because this agency says it is.
|
| 11/20/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have contact the company every month since XX/XX/2018. I've asked them to supply me with documentation bearing my signature of a contract that we have for goods or services, and they have failed to do so.
The company is claiming that I owe them {$1900.00}, which is untrue.
|
| 09/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
The dates indicated we did not live at an address that required an electric bill and XXXX XXXX XXXX XXXX XXXX was vacated on XX/XX/2020. Even if it was from that address it's impossible for {$1500.00} to be owed for a small apartment. This needs to be clarified and corrected.
|
| 07/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
|
| 05/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
My name is XXXX XXXX I got notified by XXXX XXXX that lg ross was now listed on my credit report. this has caused much damages. never received notice from lg ross. they are collecting from a XXXX XXXX account that was fraudulent. Please have them remove from my credit report
|
| 03/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I been trying to dispute this collection account that just came on my credit after the account has been paid and closed. They keep updating saying the balance are accurate when its not. I even spoke with the original creditor and they informed me that the debt has been paid.
|
| 02/10/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
LJ ROSS AND ASSOCIATES HAS USED MY PRIVATE INFORMATION TO CREATE A COMMERCIAL ACCOUNT FRAUDULENTLY LISTING MYSELF AS A DEBTOR TO THEIR ORGANIZATION. THEY HAVE INJURED MY CREDIT RATING BY PULLING MY CREDIT FILE IMPERMISSIBLY AND ARE GUILTY OF CONSUMER FRAUD AND IDENTITY THEFT
|
| 11/22/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
L J XXXX is reporting a collection on my credit report. I have never signed and or had an agreement with this company. They opened an account illegally from my understanding. I am willing to work with the XXXX and XXXX as well as the police to get them removed from my life.
|
| 09/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Date opened : XX/XX/XXXX XXXX : {$670.00} Contacted both original creditor as well as collections agency ( which is internal ) beginning in XXXX to explain that I have been incarcerated for 19 years and have only recently been released from Federal prison in XXXX of XXXX.
|
| 04/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I had an active XXXX XXXX account for a few years which I have always paid ; I recently went through financial hardship and could not pay the amount owed. In addition the charges seem excessive since I had to move out of the premises and did not continue to live there.
|
| 04/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
re : credit debt collector LJ Ross Acct # XXXX DTE Document # / Case XXXX Received billing from LJ Ross collection agency regarding DTE energy bill for utilities used at XXXX XXXX XXXX XXXX XXXX. I have never lived at that address or know anybody from that location.
|
| 12/30/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On XX/XX/2020 I sent certified mail correspondence to the company requesting validation and proof of contract to substantiate their claim. They have not responded to my request. The company also never contacted me prior to furnishing information on my credit report.
|
| 03/13/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Collection agency LJ Ross reported my PAID medical debt after the account was closed and totally blew up my Credit Report - XXXX The accounts were paid in XXXX 2016 - LJ Ross reported accounts in duplicate and reported them as PAID in XXXX but listed them anyway???
|
| 09/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I'm also aware the credit bureaus have been given an additional 15 days which has also past ( exhausted ). I haven't received any investigation results.
|
| 02/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have written multiple letters to this company asking them to identify themselves and explain why they are on my credit report, they have not responded. I have rights! The FDCPA and FCRA are both extremely clear! They have to send me information. PLEASE HELP ME!
|
| 01/11/2024 |
Yes |
- Debt or credit management
- Debt settlement
|
- Unauthorized withdrawals or charges
|
|
Web |
|
|
The company, XXXX and XXXX XXXX has negative accounts on my XXXX account. I have disputed this multiple times I have spoke to XXXX and I have reached out to XXXX XXXX XXXX, and I was told that there is no count found in my name or with my Social Security number.
|
| 02/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
this debt was in my business name it was not a consumer debt. But they put it on my consumer credit report. I was told that once collection was paid they would delete it. They lied. Under 15 USC 1692 FDCPA it is illegal for a debt collector to lie to a consumer.
|
| 10/12/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Electronic communications
- Frequent or repeated messages
|
|
Web |
|
|
I am not liable for this debt of {$520.00} with L J ROSS ASSOCIATES, INC Account number : XXXX I do not have a contract with L J ROSS ASSOCIATES, INC, they did not provide me with the original contract as requested with my wet signature and ID Verification.
|
| 06/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
these accounts are FRAUD ... ...XXXX XXXX XXXX LJ Ross Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 06/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My credit file shows a collection from your agency. I was never notified of this collection. Also, I do not believe that this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt.
|
| 06/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
L J ROSS ASSOCIATES IN at XXXX XXXX XXXX, XXXX, MI XXXX has been sending me collection notices in the amount of {$1600.00} the collection has been reported as past due. I do not know this company. This company does not have a contract with my signature.
|
| 08/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I sent letters to the company LJ Ross and the bearus asking them to verify this debt with the original contract I did not recieve that information I sent a letter to LJ Ross on XX/XX/XXXX and the Credit Bearu on XX/XX/XXXX and they sent me a bill back.
|
| 03/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I disputed this debt to this company asking the company to provide me with viable evidence bearing my signature showing that i have a contractual obligation to pay them.And the did not provide me with nothing with my signature connecting me with them.
|
| 02/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This company has sent me a letter telling me that it was being returned to them because a bad address. This debt doesnt belong to me they even spelled my name incorrectly. im going to include all the letters they sent or say they tried to send me.
|
| 11/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am opting out of previous consents to share or use my personal data. Any further sharing or use of personal data will be in violation of my rights to my privacy. I request that my personal data be removed from the company data base immediately.
|
| 11/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I had no knowledge of these accounts. Someone opened this account fraudulently under my name. Please remove this fraudulent account off my credit report. I'am a victim of identity theft, I've filed numerous police reports regarding this matter.
|
| 08/04/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Servicemember |
|
Found out on XX/XX/2021 that LJ Ross Association had added a two debts to my credit file in the amount of XXXX and XXXX. The debt is originally from XXXX but I have no record of it and I have two insurance companies which have not been billed.
|
| 10/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
L J ROSS ASSOCIATION XXXX is owed from XXXX XXXX XXXX and it was opened, XX/XX/XXXX, XXXX this is not mines i been trying to get this off of my credit report for a while. i never had a apartment before so could i even have a electric bill.
|
| 11/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I tried making payments and I was repeatedly getting very aggressive phone calls from the collections agency. They were calling me about XXXX times a day, after I had discussed I was able to make XXXX dollar payments and tried to settle.
|
| 02/23/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I 'm showing this is a XXXX debt, but my XXXX account has been closed since I moved from XXXX back to XXXX in XXXX of 2015. I did not have any outstanding bills and if I did, I was never notified or sent any information regarding this.
|
| 05/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
This account had no record that ever belonged to me with these authorities/leasers. I tried to contact them and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.
|
| 11/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have reported things on my credit report that was not mine or accurate and yet it is still om my credit report. I also have things on my credit report that is not the correct spelling of my name and i have also tried to get it off.
|
| 05/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX LITIGATION I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists.
|
| 11/24/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Good Afternoon, This company continues to appear and list on my credit report. I have repeatedly inquired to no avail. XXXX XXXX listed twice two different companies with two different amounts. XXXX XXXX? They dont belong to me.
|
| 06/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have been a valued client of XXXX XXXX since XXXX, pay timely payments. My information was used without my permission to close the account I had my account scheduled to be paid by XXXX XXXX, and set up on the XXXX plan.
|
| 11/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are 2 fraudulent collection accounts on my credit. LJ ROSS AND XXXX. I didnt open these accounts nor did I authorize anyone to open these accounts on my behalf. Please remove these 2 fraudulent accounts from my credit
|
| 07/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have a account with XXXX and this company sold it to 2 different agencies and now they both charging and showing on my CR. I called all of them they not helping me. Keep saying dispute one and nothing happen. Please help
|
| 05/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I would like a copy of a contract between me and the creditor sighned personaly, not a copy of any type of a report.but actual contract, and you have thirty days, to respond back or delete.fraudulent accusations, thank you
|
| 03/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have, with no avail tried to get this off my credit report.
this company L J Ross, is reporting that I owe. I've was notified by XXXX that i was part of a nation wide breach an my information an identity was exposed.
|
| 12/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
L J ROSS ASSOC is reporting on my credit. they have violated the fair debt collection practices act by not providing me with information to identify whether the debt is in fact mine or the opportunity to dispute it.
|
| 06/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
I was never given a chance to dispute the debt. I did not know about this debt and was never given the chance to pay it. They had a wrong address on file and never sent me anything just reported to my credit report.
|
| 08/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On XX/XX/2023, I sent a debt verification letter to LJ Ross Associates disputing a debt. I specifically asked for the company to validate the debt. However, the company has failed to respond for more than 60 days.
|
| 05/11/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have been paying on my accounts with XXXX and the agreement has been to remove the items after they have been paid and on some of my reports this has yet to happen especially months after the accounts were paid.
|
| 02/24/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have received information from the credit reporting bureaus that this collection is accurate, yet I have not receive a verification and validation letter to show proof that this collection is accurate and owed.
|
| 08/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This isn't my account. This account does not belong to me. I never entered into any agreement with this account. This is a forged document! This account did not even provide any documents proving ownership.
|
| 05/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The company LJ Ross has a collection of {$0.00} on my XXXX report but I do not know this company nor have I paid this company. Its registered as XX/XX/XXXX and the last date reported was XX/XX/XXXX.
|
| 01/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Date opened XX/XX/2018 amount {$860.00} called the company they have no information on me and also called the bureau to get this removed because of false information and they would not drop this.
|
| 04/17/2015 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
i paid off all accounts with understanding that it would be removed from credit report. it wasnt and when i attempted to contact them and have it removed they said there is nothing they will do
|
| 04/16/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
LJ Ross will not remove from my credit. I spoke to both LJ Ross and XXXX XXXX XXXX XXXX. They both tell me that neither one of their company 's can remove this debt that has been paid in full.
|
| 01/11/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I need help. Someone used my personal information fraudulently to open this account. I didn't have knowledge of this account. Please help remove this fraudulent account off my credit report.
|
| 08/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.
|
| 03/30/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
Supposely I owed a Utility Bill of {$100.00} for a home I owned at one time. I did'nt owe it but paid it anyway. I have record of such. It was closed and is still listed on my credit report.
|
| 05/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have no record of this account that ever belonged to me with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.
|
| 04/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
There is a inaccurate account for utitities on my credit report. The account is L.J. Ross & Associates. This is inaccurate because I was XXXX for XXXX XXXX military. My orders are attached
|
| 11/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I do not believe this company has or has ever had a contract with me. I do not owe this debt as I did not create a debt account with this company and have not signed a contract with them.
|
| 03/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
LJ Ross associates is paid and is still reporting to my account. This has legitimately paid and it is hindering me purchasing my home. The amounts are {$310.00}, {$230.00}, and {$180.00}.
|
| 07/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
when I called & tried to understand their fees they provided little to no insight. I tried to work with the cell phone companies but they refused to work with me or take any payment.
|
| 06/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
On XXXX XXXX, I sent a certified letter to LJ Ross Associates, asking them to verify debt and it has been 30 days without a response. It was removed from XXXX, but XXXX still has it.
|
| 11/17/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I keep getting phone calls from XXXX but no one says anything when I answer. They just sit there and then hang up. It 's getting annoying especially when its ' multiple times a day.
|
| 05/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have no record of this account that ever belonged to me with these collectors/creditors. I've asked them to send proof of ownership but they haven't complied with my request yet.
|
| 02/26/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have repeatedly tried to have company verify debt. I have requested sign in sheet that is required to be seen at this medical provider. They can not produce any proof I was seen.
|
| 09/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have disputed an inaccurate debt that is not mine on 4 different occassions with L.J.Ross for $ XXXX.I have neverdonr any business with the company that L.J.Ross is representing.
|
| 01/19/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Unknown debt flagged on credit report starting XXXX XXXX XXXX I do not have any knowledge of this debt and have never received any communication regarding what this debt could be.
|
| 05/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I have contacted this company several times to obtain a verification of debt. They have not verified. They also keep re-aging the debt to appear as though the debt is a new debt.
|
| 02/08/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
On XXXX XXXX 2017 I was contacted by Lj Ross And Associates about a debt for {$620.00}, that was previously closed by XXXX via a prior CFPB complaint. ( See Case number : XXXX ).
|
| 07/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
LJ ROSS AND ASSOCIATES are reporting a fraudulent account on my credit. This account was not opened nor used by me. I am requesting ther removal of this accounts from my credit.
|
| 09/08/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
At XXXX a message was left by a female who said her name was XXXX from LJ Ross and Associates. There was no mention of who the call was for or what the nature of the call was.
|
| 11/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I pulled my credit report and seen this account claiming i owe the amount of {$1100.00} from this company named L J ROSS ASSOCIATES, i an not aware of this company or debt.
|
| 07/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
It has been well over 30 days, and I have not received any investigation results. I have filed a dispute in regard to the incorrect items on my credit report.
|
| 02/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I do not owe any money to a that goes by the name L.J. Ross Associate it appeared on my credit report. Does not belong to me so please remove it ''. thank you
|
| 03/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 03/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I want you to verify this debt as i don't have any accounts with you? if unverifiable please remove this account from my credit report as soon as possible
|
| 01/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I filed adispute in regards to the incorrect items on my credit report. It has been well over 30 days and i have not received any investigation results.
|
| 01/04/2022 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Company saying there trying to collect a debt for aurora health care that I don't have, I'm on a monthly payment plan with XXXX and not in areares.
|
| 11/19/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I disputed the open date of this account on XX/XX/22. The account is XXXX years old but was reported to the credit bureau as open date XX/XX/22.
|
| 01/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This account has appeared on my credit report and i am not familiar with this company LJ ROSS ASSOCIATES Alleged Debt # {$5100.00} ACCT # XXXX.
|
| 08/05/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I have an acct from this company that is not mine its fradulent and reporting on my credit file and is in collections that needs to be removed
|
| 08/06/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am not liable for this debt with LJ Ross Assoc. They are unable to provide authentic, original signed documents or agreement stating such.
|
| 07/31/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
paid as agreed ... should not have gone to collection ... submitted proof of {$730.00} paid back last year. Statement showed paid in full
|
| 06/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Company LJ Ross and Associates attempted to collect the debt.
Cost of debt was : {$3400.00} I have disputed this account before.
|
| 05/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
They contacted me and identified the debt amounting to {$110.00} and I never received information to verify and validate the debt.
|
| 03/06/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I don't have any information because i don't know who XXXX is. Never recieved anything from them. This charge is completely false.
|
| 06/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
{$620.00} lj ross company. I never receive written documents telling me i need to pay balance before they added it to my credit.
|
| 10/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX a fraudulent account was opened and appeared on my consumer report. I NEVER lived at the address associated with the debt.
|
| 05/11/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have made continous payments toward my XXXX XXXX account and the agreement was to have these items removed and they were not.
|
| 09/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
I have debt collection company attempting to collect an unknown debt and reporting false information on my credit report.
|
| 01/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I will like the original contract that I sign that state I will pay and also I need the address associate with this debt.
|
| 05/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
The debt was paid in full to company XXXX, not to a collection company yet they continue to report on my credit report.
|
| 06/20/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
I told them i was in a agreement with XXXX and i tried to make a small settlement they could and wouldn't work with me
|
| 04/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I contacted the collection agency L J Ross as well as XXXX XXXX XXXX. both would not remove this fraudulent charge.
|
| 07/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
The account in question has been past statute in the State of Michigan, and is still on my credit report illegally.
|
| 04/20/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I called and they stated it is for a utility bill I never authorized. They refuse to prove that the debt is valid
|
| 08/20/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I've unsuccessfully reached out to LJ Ross Associates INC this bill from XXXX XXXX XXXX is not a bill I owe.
|
| 09/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX {$370.00} open balance, XX/XX/2019, XXXX XXXX.
I have no idea who either of these companies are.
|
| 10/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There is a account for XXXX that I have no knowledge about I called and tried to get it off my records
|
| 04/07/2017 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Collection Agency refused to remove debt from credt file after amount that was reported was paid off.
|
| 12/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I don't know who this company is. The debt is showing up on my Credit report with a {$0.00} balance
|
| 07/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
LJ Ross Associates collecting for XXXX XXXX XX/XX/2016 Paid Debt Creditor Refuses to Remove debt.
|
| 01/28/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I never heard of a company called lj Ross and I do n't owe them any money the debt is not mine
|
| 08/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A company has assigned fraud to my account, i have no knowledge of it and it is not mine.
|
| 01/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was in high school in Georgia I did not open this account. This account is fraudulent.
|
| 05/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I noticed a unauthorized and unrecognizable account on my credit report on XX/XX/2023.
|
| 03/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
6 accounts is the collection I need be removed from my account is bloke my life please
|
| 10/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
LJ Ross is collecting on the behalf of XXXX XXXX for a debt I do not owe.
|
| 03/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
account was paid and closed and they're stating it was not. paid in XXXX
|
| 05/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This debt is not mine and gave requested to have removed numerous times.
|
| 02/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Unknown company has placed an account on my credit report for collection
|
| 11/07/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX sent debt to collections when insurance already paid it
|
| 08/22/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I do not have any outstanding balance with University XXXX.
|
| 11/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They call me constantly. I already reported them for spam.
|
| 10/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A XXXX bill that was in my dads name is not mine!!!
|
| 08/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Please verify this debt it does not belong to me.
|
| 03/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Medical bills being reported under {$500.00}.
|
| 09/17/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This debt is a result of identity theft
|
| 05/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
This account was included in bankruptcy
|
| 02/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I didnt sign no contract with them.
|
| 03/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Not my account need verification
|
| 02/11/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/08/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
|
|
|
| 02/07/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/07/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/07/2024 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/06/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 02/05/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/16/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/01/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 12/14/2023 |
Yes |
- Debt or credit management
- Debt settlement
|
- Didn't provide services promised
|
|
Web |
Older American |
|
|
| 12/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/04/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 11/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/27/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/17/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/14/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/31/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 10/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 10/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 10/17/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 09/28/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 09/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/06/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 08/30/2023 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 08/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 07/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/20/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 06/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 06/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/31/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 05/02/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 04/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/14/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Older American |
|
|
| 04/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/23/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/19/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 03/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 02/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/14/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/21/2023 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/28/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 12/09/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/24/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/18/2022 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 11/16/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 11/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 11/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web Referral |
|
|
|
| 11/07/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/09/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/01/2022 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 08/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/19/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/16/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 07/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 07/07/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Servicemember |
|
|
| 06/15/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/23/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/21/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/15/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/04/2022 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/27/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 04/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/25/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/15/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 03/05/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 02/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Older American |
|
|
| 02/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 02/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 01/25/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/12/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/25/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 12/01/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/10/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/29/2021 |
Yes |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 10/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Phone |
|
|
|
| 09/30/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 09/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/31/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/31/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/08/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 08/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/05/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 08/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 07/21/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 07/19/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/15/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 07/06/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/03/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/02/2021 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 04/27/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/07/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 03/31/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/22/2021 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 03/09/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 02/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/18/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 02/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 01/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/21/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
|
| 12/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 12/01/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 11/20/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 11/17/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/10/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 11/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 11/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 10/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 10/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/02/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 10/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 09/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/12/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/27/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 08/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/28/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/11/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 07/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 06/17/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/05/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 05/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 04/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/18/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 04/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 04/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 04/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 03/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 02/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 02/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 02/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 02/19/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 02/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
|
| 02/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 02/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 02/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 01/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 01/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 10/10/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/08/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Postal mail |
|
|
|
| 08/07/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/22/2019 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 07/08/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 06/21/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/18/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/12/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/08/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
|
| 05/01/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Phone |
Older American |
|
|
| 04/16/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 04/11/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/05/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Referral |
|
|
|
| 03/26/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 03/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 03/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/01/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 01/03/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 10/20/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 08/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 08/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 08/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/06/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 06/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
|
|
|
| 05/29/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/27/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/26/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
|
| 01/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/05/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/28/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/19/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 12/04/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/17/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 11/16/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 11/12/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/31/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/18/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/19/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/14/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/21/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 05/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/26/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/24/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/20/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
Older American |
|
|
| 04/17/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
|
| 03/11/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/06/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/03/2017 |
Yes |
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Phone |
|
|
|
| 03/01/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/26/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/15/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/07/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 08/31/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 08/18/2016 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 08/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 07/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 07/06/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 06/17/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 05/24/2016 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 05/20/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 05/06/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 04/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 03/17/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 12/15/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/15/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 11/13/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/09/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/04/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Fax |
|
|
|
| 07/31/2015 |
No |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/31/2015 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/22/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 03/22/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 03/10/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 02/19/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/02/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 01/22/2015 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 01/21/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/05/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/16/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/02/2014 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/25/2014 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/15/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 09/08/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 08/13/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 08/10/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/06/2014 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 06/06/2014 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 04/01/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 12/04/2013 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/12/2013 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/27/2013 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 09/09/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|