Consumer complaint received 2023-01-17
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter from the debt collection company and sent back a certified mail correspondence asking for proof that they have the right to collect this debt. This was ignored, and a negative impact was made on my credit score. I sent out a second correspondence by certified mail asking again for proof or documentation. I received a letter back where they claimed that I was arguing the debt was fraudulent and asking for a police report. This is an intimidation tactic and unlawful. 

This creditor violates the sending/ delivering of any form or notice that does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801, sec. 809 { b } et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.

Below the creditor did not provide the following ; Explain and calculate the amount owed : Provide me with copies of any papers that show that I agreed to pay the amount you are stating is owed : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not yet expired on this account : Provide me with the license that you are allowed to collect within my state : Provide me with your license numbers and Registered Agent or Agent of Service/s. The creditor has consistently sent me a bill unrelated to the list above, dismissing [ 15 U.S.C. 6801, sec. 809 { b } et seq. ], requirements. 

So, I am not responsible for this debt, and this creditor is in violation due to a lack of due diligence under [ 15 U.S.C. 6801, sec. 809 { b } et seq. ], of not providing the proper documents. 

The {$240.00} collections from Columbia Recovery Services are ordered to be removed from all three credit bureaus. 

Per 15 USC 1692b ( 2 ), XXXX XXXX XXXX XXXX violated my rights by sending me a letter stating that this was an attempt to collect a debt ; this is considered a violation. For this violation, 15 USC 1692k states any actual damages sustained by the consumer. I have suffered financial and psychological DAMAGES from this company violating me.

By 15 USC 1692b ( 5 ), XXXX XXXX XXXX XXXX has violated my rights by sending me a letter with a symbol within the context indicated there in the business of collecting a debt. This is considered a violation. 15 USC 1692k States any actual damage or { {$1000.00} } dollars fine. By 15 USC 1692, XXXX XXXX XXXX XXXX violated my rights by furnishing deceptive forms attempting to collect an alleged debt. This company still needs to validate this debt. XXXX XXXX did not send the proper documents to validate this alleged debt. I asked this company to send the verification method and my wet ink signature. P.S. This Collections is NOT Licensed to collect any debt in XXXX, XXXX.

Company response to consumer: Closed with explanation