Product: Debt collection

This is an indictment against XXXX XXXX XXXX XXXX and Genesis Credit Management. In XX/XX/XXXX, I moved out of XXXX XXXX, an apartment complex in XXXX, Texas, managed by XXXX. I promptly turned in a move-out notice 60 days before moving out of these apartments to the front office. By state law, they were required to send a move-out notice via mail or on the front of my door. I have asked for proof of this notification in multiple certified mail letters and emails with no response from XXXX XXXX or now the debt company to which they passed this fraudulent debt. I received notice via email in XXXX, which confirmed my move out via their online portal. On my XXXX, XXXX, at XXXX PM, I emailed XXXX : I tried using the active building app to confirm my move out, but it won't let me. I will send this email in the documents folder for proof. I never heard back from them, so I figured everything was taken care of, and maybe this was an extra step that could be bypassed when their residents moved out. Around XX/XX/XXXX, I was sent a laughable balance of over XXXX XXXX I promptly responded, So you all send me a balance reminder, but dont respond to my last email. I do not owe you anything. My lease ended, and I left. I was never given proper notice, so the XXXX XXXX community violates legal protocol. I will send an email verifying my response. After I kept getting these statements, I had my husband, who's in law school, send an FCRA letter via certified mail on XX/XX/XXXX. We never received any documentation in the mail, which we requested. We also asked for all receipts and pictures of these fees they tacked on so that we could make sure they were not just trying not to give me back my deposit, which There have been many both class action and civil lawsuits of XXXX committing these violations. Making precedent for my claim, they could just be making it up. On or about XX/XX/XXXX, I got another email from a XXXX XXXX and a XXXX XXXX saying it was my last chance to pay this assumed debt. I replied with an email on XX/XX/XXXX, at XXXX pm, Explaining I sent an FCRA dispute letter via certified mail on XX/XX/XXXX asking for evidence of fees, proof of a proper move-out notice given to me by them required by state law, Why they reported it as a paid off in complete account on XXXX credit bureaus and now are trying to claim this count as debt. Also, I asked them to sue me in court if they felt strongly about it. Lastly, they missed the XXXX window required by federal law to validate the debt. Days later, with no response from XXXX XXXX, I was notified by the following companies : Columbia Debt Recovery XXXX and XXXX Genisis Credit Management, Whom I believe are the same companies. On XX/XX/XXXX, I sent an FCRA dispute letter with all the concerns I listed priorly in this statement to Genesis Credit Management Via certified mail. Again, all my questions and the need for verification were ignored. Then I got my husband to call as my legal rep, in this case, knowing he is a law student and understands these laws better than I can ; in this audio recording which I will send, the abusive practices by this company are horrid, and I now I know why they have been sued so many times and why they always loose if this is commonplace among there workers. Also, after reading many case laws and precedents against this company and XXXX reviews, I now know why I must write this statement, and that is just doing so. The most damming evidence in this phone recording is XXXX of their managers telling my husband he doesnt have to send any paperwork required by state or federal law or show they have all legal documents registered in my state to conduct this business. As of now, both of these companies have been highly abusive, causing monetary damage to me and my family as I have had an over XXXX score most of my adult life, which this company now ruins. It has shown a record of breaking federal and state laws, with much precedent and a track record of doing so. Columbia Debt Recovery is still putting this on my reports, charging interest, and claiming late payments. I have asked in multiple dispute letters I do not have a contract with you to stop claiming late payments. We have no legally binding agreement. Under which law or code do they have a right to charge interest? As you can guess, there has been no response to those matters. I sent them much proof of this being a fraudulent account via certified mail on XX/XX/XXXX, XX/XX/XXXX, XXXX. This is my last-ditch effort to remove this from my credit before I have to spend money and file against both of these companies in civil and federal court, costing my family and me more damages and suffering. Thank you for taking the time of the day to help me and my family. hopefully, something can be done to these companies to help out future families and people to fight against such abusive practices that hurt people of all creeds and backgrounds.