Updated on February 19th, 2025 Author: stopcollections | Editor: stopcollections

Consumer Complaints Against LJ Ross Associates

Disclaimer: The following content is a summary of complaints submitted to the Consumer Financial Protection Bureau (CFPB) by consumers. The information provided is intended to inform and educate consumers about potential issues and experiences reported with the mentioned entity. 

The Consumer Financial Protection Bureau (CFPB) has received multiple complaints from consumers regarding debt collection practices by LJ Ross Associates. These complaints highlight recurring issues that have affected individuals across the United States. Our goal in this article is to educate consumers about their rights and offer actionable steps they can pursue under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA).

Key Complaints Reported by Consumers 

1. Failure to Provide Debt Validation

Complaint Summary:

The CFPB complaints reveal that one of the most prevalent issues involves LJ Ross Associates failing to provide adequate validation of debts. Many consumers report that, despite requesting documentation to verify alleged debts, the agency continues its collection efforts without fulfilling this obligation.

Legal Context & Actionable Steps:

Under the FDCPA, consumers have the right to request debt validation within 30 days of being contacted by a debt collector. Debt collectors are required to provide detailed information about the debt, including the original creditor and the amount owed.

Actionable Steps:

• Request a written debt validation letter to confirm details about the debt.
• Keep a copy of all correspondence sent to and received from the agency.
• If validation is not received, file a complaint with the CFPB or consult an attorney to assert your rights.

2. Incorrect or Fraudulent Reporting on Credit Reports

Complaint Summary:

Another recurring issue involves incorrect or fraudulent debt reporting by LJ Ross Associates. Consumers have submitted complaints claiming that debts they do not owe are being reported on their credit histories. These errors can damage credit scores and negatively impact financial stability.

Legal Context & Actionable Steps:

Under the FCRA, consumers have the right to dispute inaccuracies on their credit reports. Credit reporting agencies and debt collectors must investigate and resolve disputes within 30 days.

• Actionable Steps:
• Request a free copy of your credit report from annualcreditreport.com and review it for inaccuracies.
• Dispute incorrect items directly with both the credit reporting agency and LJ Ross Associates.
• If unresolved, include a statement on your credit report explaining the inaccuracy and file a complaint with the CFPB.

3. Lack of Communication and Prior Notice

Complaint Summary:

Several CFPB submissions highlight concerns over the lack of communication from LJ Ross Associates prior to the reporting of debts to credit bureaus. Consumers report not receiving notice of an outstanding collection, only learning about the issue after seeing negative impacts on their credit reports.

Legal Context & Actionable Steps:

The FDCPA requires debt collectors to notify consumers in writing within five days of their initial contact, outlining their rights and details about the debt. Failure to do so is a violation of consumer rights.

Actionable Steps:

• If you discover negative entries on your credit report, request written proof of the debt and related correspondence.
• Contact LJ Ross Associates and demand an explanation for not being notified.
• Consider legal action if your rights under the FDCPA have been violated.

4. Identity Theft Claims

Complaint Summary:

Consumers alleged in CFPB complaints that their personal information was misused, resulting in wrongful debt collections on accounts they never authorized. These identity theft claims leave many individuals facing emotional and financial distress.

Legal Context & Actionable Steps:

Identity theft victims are protected under the FCRA and have the right to dispute fraudulent accounts or debts appearing on their credit reports.

Actionable Steps:

• File a police report for identity theft and notify the Federal Trade Commission (FTC) at identitytheft.gov.
• Place a fraud alert or a credit freeze on your credit file.
• Dispute unauthorized accounts with both the credit reporting agencies and LJ Ross Associates.
• Request written verification of the debt to determine its source.

5. Robocalls and Automated Dialing Issues

Complaint Summary:

Another common complaint involves excessive robocalls or automated phone calls from LJ Ross Associates. Many consumers have expressed frustration over receiving repeated calls with no live representative on the line, which they describe as harassment.

Legal Context & Actionable Steps:

The Telephone Consumer Protection Act (TCPA) prohibits debt collectors from using automated dialing systems to harass consumers. Repeated robocalls without consent may violate this law.

Actionable Steps:

• Document the number of calls received, including dates and times.
• Request that LJ Ross Associates stop all further calls (this can be done verbally or in writing).
• File a complaint with the CFPB, the FTC, or your state attorney general’s office if the calls persist.

Free Legal Assistance for Victims of Debt Collector Violations

If you’re facing similar issues with LJ Ross, it’s crucial to know your rights and act quickly. You don’t have to deal with these violations alone.

How To Get Free Legal Assistance 

• Step 1: Reach out to our legal experts for a free consultation. 
• Step 2: Share your experience, and we’ll help assess whether your rights under the FDCPA or FCRA have been violated. 
• Step 3: If applicable, we’ll guide you through the process of filing a claim and stopping illegal collection practices.

Our legal experts specialize in protecting consumers like you from unfair debt collection practices. Take control of your situation today and assert your legal rights.

Contact us now for your FREE consultation and stop unfair debt collection practices in their tracks!

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