Consumer complaint received 2019-06-07
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CONTINUED COLLECTION OF A DISPUTED, UNVERIFIED, INACCURATE ACCOUNT, 15 USC 1692g ( b ) CONTINUED COLLECTION ACTVITIES BY REPORTING TO CREDIT REPORTING AGENCIES, WITHOUT PROOF OF DEBT OWNERSHIP. FDCPA, section 1692 ( e ) I  discovered that in XX/XX/XXXX Genesis Credit Management , LLC, had supplied the 3 credit bureaus with a damaging and inaccurate claim that I owed a debt to Genesis. I do not owe any debt to Genesis nor I did not receive any previous written notice about this debt and found it myself on my credit report, six months later in XX/XX/XXXX. 

On XX/XX/XXXX a certified letter was sent to Genesis where I disputed the debt and asked 1 ),  PROOF that Genesis actually owned the alleged debt, for 2 ). verification with a copy of a document I signed agreeing that I would owe this debt to Genesis, and 3 ). asked for the 19 pages of validating documents Genesis claimed to have.

In a second certified letter to Genesis, in XX/XX/XXXX, I again requested proof they owned the debt and a copy of an agreement creating the debt and the documents they claimed to have.. 

Genesis did NOT RESPOND at all to either letter, failing to send any proof they own the debt and the right to attempt collection, nor did they provide the documentation and verification they claimed to have. 
The FDCPA provides because I made timely dispute with Genesis, and Genesis failed to provide debt ownership proof and verification of the alleged debt, that collection efforts MUST CEASE, which includes NOT reporting to the credit bureaus. Under these circumstances, the fact that Genesis continues to report a disputed unverified debt is an unlawful attempt to collect, which are violations of FDCPA, section 1692 ( e ) Also, the Fair Debt Collection Practices Act ( Sec. 1692 ( 1 ) prohibits a collector from reporting to the credit bureaus, unless the debt is authorized by an agreement creating the debt, which has never been produced. Only a furnisher who has a legal right to attempt collection can report to the credit bureau, and Genesis has not proved they own the alleged debt, and thus is in violation of the FDCPA. 

By reporting to at least the main 3 credit bureaus, every month, Genesis has violated the FCRA and FDCPA 3 times each month, since XX/XX/XXXX, making them liable for each count. ( The same conduct by a debt collector can violate multiple provisions of the FDCPA. Clark, 460 F.3d at 1177. ) This inaccurate, unverified, unlawful entry by Genesis destroyed my previously excellent credit score and caused me to lose the opportunity to  move into a low income apartment. 

I have been damaged in that has caused me to lose money and the chance to live in a place more accommodating to my mobility limitations. I am an ill, XXXX year old single woman, living only on social security, and own no assets or property. 

In addition, I have phone logs of numerous robo calls Genesis made to me after I communicated my dispute which required Genesis to cease collection activity, and each robocall is a actionable violation of the Telephone Consumer Protection Act ( TCPA ). 

This negative entry is libelous, defamatory, and has caused me embarrassment, stress, financial loss, and severe emotional and medical distress.

Company response to consumer: Closed with explanation