Debt collection -- Attempts to collect debt not owed -- Complaint #18308713
Complaint Overview
Complaint ID: 18308713
Company: Lj Ross Associates
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: California
ZIP Code: 92376
Date Received: 2025-12-26T12:00:00-05:00
Date Sent to Company: 2025-12-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaint regarding a XXXXreported account listed as XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX account number ending in XXXX, which I did not open, authorize, or have any involvement with. This account is the result of identity theft and does not belong to me. I have never established service with XXXX XXXX, nor did I consent to any account being opened in my name. The reporting of this account is inaccurate, unverifiable, and is causing harm to my credit profile. Despite my rights under the Fair Credit Reporting Act ( FCRA ), this fraudulent account has been reported as placed for collection with a balance of {$69.00}, which is false. This account was fraudulently opened without my knowledge or consent and is the direct result of identity theft. I did not apply for, benefit from, or authorize this account, and no contract or agreement bearing my signature exists. The account is reporting solely on XXXX and contains inaccurate information, including an alleged balance and collection status. This reporting is misleading, unverifiable, and violates my rights under the FCRA. Last 4 social XXXX.
Frequently Asked Questions
What is Complaint #18308713 about?
Complaint #18308713 was filed against Lj Ross Associates regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-12-26T12:00:00-05:00.
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.