Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

Please be aware that at no point in our communication am I acknowledging ownership of the account, Dear Columbia Debt Recovery LLC, I am writing to demand a detailed response to all aspects of my complaint, specifically concerning the {$12.00} increase in the alleged debt. It has come to my attention that Columbia has not provided a direct answer to my previous complaint. Therefore, I insist that you address the following points in detail, using the {$12.00} increase as the subject of your explanation : Complete Breakdown : A full breakdown of the {$12.00} increase, including the date it was applied, the nature of the increase ( interest, fees, etc. ), and the exact percentage that corresponds to this increase, in accordance with the 6 % per annum interest rate stipulated on page 7 of the Lease Agreement. Like you stated in your respond, Re-Aging Concerns : An explicit response to my concerns regarding the re-aging of the alleged debt. I request that you clarify how the debt was re-aged and provide evidence of compliance with credit reporting laws and regulations. Your prompt and detailed attention to this matter is of the utmost importance. Failure to adequately address my concerns may compel me to consider further legal action. When the interest rate is specified as per annum, it means that the interest is calculated once a year. so please explained how you calculated the amount to be XXXX $ with a 6 % percentage interest per year Thank you for your cooperation. below is my original complaint I need Columbia Debt Recovery to respond to each concern in my complaint in detailed ____________________________________________________________________________________________________ Please be aware that at no point in our communication am I acknowledging ownership of the account Complaint Against Columbia Debt Recoverys Unlawful Practices I am writing to lodge a formal complaint against Columbia Debt Recovery for its unlawful and deceptive debt collection practices concerning the account under my name and social security number. Despite my repeated requests for debt validation, Columbia has failed to provide the necessary documentation legally required before escalating any account to collections. I have specifically requested evidence of the first attempt to contact, as mandated by law, which Columbia has not only neglected to produce but has also fabricated correspondence that I have no record of receiving. Moreover, your company has blatantly disregarded my directive to cease all collection activities pending validation. Instead, I was alarmed to discover from XXXX that a new account was listed by Columbia Debt Recovery, with the debt amount arbitrarily increased by {$12.00}, from {$5400.00} to {$5500.00}. This unexplained and unauthorized increase is a clear violation of my consumer rights and raises serious questions about Columbias operational integrity. The credit bureaus have removed the collection account from my credit report after identifying it as fraudulent. Yet, Columbia has chosen to ignore this decision and has continued its pursuit without any legal standing. This is unacceptable and will not be tolerated. I demand an immediate and comprehensive explanation for the {$12.00} increase and insist that Columbia cease and desist from reporting any false information to the credit bureaus under my name and social security number. Your actions suggest a deliberate attempt to manipulate and re-age the alleged debt, which constitutes a serious breach of trust and, quite possibly, an act of fraud. Furthermore, the practice of re-entering an account on the credit report after it has been removed by adding an extra {$12.00} to the alleged original debt is an illegal method employed by collection agencies. This tactic is a flagrant abuse of the system and a violation of the Fair Debt Collection Practices Act ( FDCPA ). This letter serves as a stern warning that I am fully aware of my rights under the FDCPA and will not hesitate to take legal action against Columbia Debt Recovery for any further transgressions. I expect Columbia to rectify this situation promptly and to confirm in writing that all collection attempts have been halted and that the erroneous information has been retracted from my credit Failure to comply with these demands will result in immediate legal proceedings and formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any other relevant regulatory authorities. I await your urgent response to this serious matter. Sincerely