Consumer complaint received 2024-09-26
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (LA)

I started receiving calls from this company stating they were " Columbia debt recovery '' I asked over the phone around XX/XX/XXXXXXXX XXXX what debt did I owe to them and to please send me verification of it. The company stopped responding. I then contacted the three credit bureaus who DID NOT perform an actual investigation. Then in early XXXX I filed a complaint with all 3 bureaus that the company had two differnt amounts on my credit profile under their LLC and their DBA. Not one credit agency removed this from my report for inaccurate information. I also advised the three bureaus that the associated address was not my address as well as the debt. Again I contated this company XX/XX/XXXX requesting a copy of a contract between myself and the now DBA '' Genesis Credit Management '' The company sent some documunets that were not what was requested. It was sent via e-mail. I responded and asked AGAIN for the contract between myself and the company, they did not reply. I am requesting that this alleged debt be removed from my credit profile immediately due to no agreement with this ompanu, multiple violations, and inaccuracties. 
1. FDCPA : Misleading Representation ( 15 U.S.C. 1692e ) Issue : The creditor keeps changing the name of their agency.

Violation : Under the FDCPA, it is illegal for debt collectors to use any false, deceptive, or misleading representation. If they are misrepresenting their identity, this can be considered a violation of 1692e. 
Argument : Changing the name of the debt collection agency confuses consumers and constitutes a deceptive practice meant to obscure their identity and collection efforts. 
2.FDCPA : Unfair or Unconscionable Practices ( 15 U.S.C. 1692f ) Issue : They are increasing the debt by charging additional interest rates.

Violation : If the debt collector is adding unauthorized interest, fees, or other charges not agreed to in the original contract, this can be a violation of 1692f, which prohibits unfair or unconscionable practices.

Argument : The legitimacy of any additional fees or interest charges that were not part of the original alleged lease agreement.

3.FDCPA : Validation of Debts ( 15 U.S.C. 1692g ) Issue : Refusing to remove the debt despite my dispute and non-residency.

Violation : Under 1692g, debt collectors are required to provide you with validation of the debt within 30 days after your request. If you dispute the debt, they must cease collection efforts until they provide verification.

Argument : I demand a debt validation and argue that they failed to provide proper documentation proving I owe the debt and that the amounts charged are accurate.NO RESPONSE.

4.FCRA : Accuracy of Credit Reporting ( 15 U.S.C. 1681s-2 ) Issue : The creditor continues to report inaccurate information on my credit report.

Violation : Under 1681s-2, creditors and debt collectors must report accurate information. If you dispute the debt and they verify inaccurate or outdated information, they are in violation of the FCRA.

Argument : The debt should be removed since it is not valid or has been inflated with unfair charges.