Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> Columbia Debt Recovery LLC DBA Genesis XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX Re : Dispute Regarding Refusal to Provide XXXX Form and Unauthorized Use of Social Security Number ( New Information ) Dear Columbia Debt Recovery LLC DBA Genesis, I am writing to formally dispute your recent refusal to provide me with a XXXX form related to the sale of my debt, which utilized my Social Security number without my permission. This letter serves as a request for immediate action to address this matter in compliance with applicable federal laws and new evidence supporting my case. 
According to the Fair Credit Reporting Act ( FCRA ), consumers are protected against unauthorized use of their personal information, including Social Security numbers, for debt-related transactions. Specifically, the Uniform Commercial Code ( UCC ) and relevant sections of the FCRA safeguard consumer rights and impose obligations on creditors to ensure the fair and lawful handling of personal data. 
XXXX. Unauthorized Use of Social Security Number : The sale of my debt using my Social Security number without my explicit consent is a violation of my rights under the FCRA. As stipulated in 15 U.S.C. 1681b, permissible purposes for the use of consumer reports ( including Social Security numbers ) are strictly regulated. Any unauthorized use for debt sale or transfer constitutes a breach of these provisions. 
XXXX. Obligation to Provide XXXX Form : Under IRS regulations XXXX creditors are required to provide a XXXX form when a debt is canceled or forgiven. Your refusal to provide this form is not only a breach of IRS requirements but also impedes my ability to accurately report my financial status and obligations. 
XXXX. UCC Protections : The XXXX, particularly Article 9 which governs secured transactions, imposes duties on creditors to act in good faith and fair dealing. The unauthorized sale of my debt using my Social Security number without notice or consent is a clear violation of these principles. 
New Evidence : XXXX XXXX XXXX Moratorium Order In addition to the above points, I would like to present new evidence in the form of the City of XXXX XXXX XXXX order thaXXXX was in place during XXXX and extended renter protections until XX/XX/year>. This moratorium was enacted to provide relief to renters by preventing evictions and offering financial assistance during the pandemic. As part of this order : The non-profit organization that received federal funding to pay renters ' rent and bills during XXXX, including my case with XXXX XXXX, was expected to continue its support. 
This moratorium extended protection to tenants and prevented the sale of debt or eviction actions during the specified period. 
The relevant codes and regulations governing this moratorium include : City of XXXX XXXX Ordinance Extending the City 's Eviction Moratorium protections and preventing evictions during the XXXX pandemic. 
Federal Funding Provisions under the CARES Act : Allocating funds to non-profit organizations for rent and bill assistance. 
Given this new evidence, it is clear that any actions taken against me, including the sale of my debt using my Social Security number, were in violation of both local moratorium protections and federal guidelines.