Debt collection -- False statements or representation -- Complaint #17874489
Complaint Overview
Complaint ID: 17874489
Company: Lj Ross Associates
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Pennsylvania
ZIP Code: 17402
Date Received: 2025-11-19T12:00:00-05:00
Date Sent to Company: 2025-12-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
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 * ] ( {$480.00} ) DISPUTE AND VALIDATION REQUEST To Whom It May Concern : I am writing to notify you that I dispute the validity of the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I am requesting that you provide the following : Verification of the debt, including a detailed statement showing the amount owed and how it was calculated. 1.The name and address of the original creditor. 2. Proof that you are legally authorized to collect this debt in my state. 3. A copy of any contract, agreement, or document bearing my signature that you claim obligates me to this debt. Until the requested validation is provided, you must cease all collection activity, including reporting or verifying this debt to any credit reporting agencies. If you have already reported the item, please inform the credit bureaus that it is disputed. Additionally, please do not contact me by phone. All communication must be in writing. If you can not provide proper validation, or if you fail to respond within the required timeframe, I expect this account to be deleted from all credit reporting agencies and for you to cease all collection efforts. Thank you for your cooperation. Sincerely, [ XXXX XXXX XXXX XXXX ]
Frequently Asked Questions
What is Complaint #17874489 about?
Complaint #17874489 was filed against Lj Ross Associates regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-11-19T12:00:00-05:00.
How did Lj Ross Associates respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Lj Ross Associates?
Yes, visit the Lj Ross Associates company profile at readthecomplaint.com/company/lj-ross-associates to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.