Debt collection -- Communication tactics -- Complaint #5121626
Complaint Overview
Complaint ID: 5121626
Company: Lj Ross Associates
Product: Debt collection
Sub-Product: Other debt
Issue: Communication tactics
Sub-Issue: Used obscene, profane, or other abusive language
State: Texas
ZIP Code: 78731
Date Received: 2022-01-18T12:00:00-05:00
Date Sent to Company: 2022-01-18T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
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.
Frequently Asked Questions
What is Complaint #5121626 about?
Complaint #5121626 was filed against Lj Ross Associates regarding Debt collection specifically about Communication tactics. It was received by the CFPB on 2022-01-18T12:00:00-05:00.
How did Lj Ross Associates respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.