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Debt is not yours. 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 r