Consumer complaint received 2024-06-25
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

[ XXXX XXXX XXXX XXXX XXXX XXXX  [ XXXX, tx, XXXX ] XXXX XXXX XXXX, XXXX 2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX D.C. XXXX Subject : Formal Complaint and Dispute Regarding Violations by [ Geneis Credit Management ] To Whom It May Concern, I am writing to file a formal complaint and dispute regarding the actions of [ Geneis Credit Management ] which have egregiously violated my consumer rights under federal regulations, specifically outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

[ Geneis Credit Management ] has placed a collection account on my consumer report without adhering to mandatory provisions of the law. They have failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), despite numerous requests from myself. Additionally, they have not afforded me the opportunity to dispute the account as stipulated under 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Furthermore, [ Geneis Credit Management ] has engaged in false, misleading, and deceptive practices by reporting inaccurate information and using coercive means to collect on an alleged debt. These actions are in direct violation of my rights as a consumer. 

Moreover, [ Geneis Credit Management ] has furnished information to consumer reporting agencies without providing all required disclosures, contravening 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ).

In light of these violations, I hereby dispute owing any debt to [ Geneis Credit Management ]. Furthermore, I am revoking all rights for [ ] Geneis Credit Management ] to communicate with me via email, text, or phone calls.

As part of my dispute, I request the following from [ Geneis Credit Management ] : Debt Validation : Provide validation of the alleged debt, including the original creditors name, the amount owed, and proof that [ Geneis Credit Management ] is authorized to collect this debt.

Purchase Agreement : Provide a copy of the purchase agreement or contract between [ Geneis Credit Management ] and the original creditor that validates their authority to collect this debt.

Proof of Licensure and Bonding : Provide proof of [ Geneis Credit Management ] 's current licensure and bonding status as required by law.

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take immediate action against [ Geneis Credit Management ] for their violations of federal law. I also request that [ Geneis Credit Management ] cease all collection efforts until these matters are resolved in compliance with the law.

Enclosed are copies of relevant documents supporting my dispute, including records of communication with [ Geneis Credit Management ] and copies of my credit report showing the inaccurate information. 

Please keep me informed of the progress of this investigation and provide written communication regarding the actions taken. 

Thank you for your prompt attention to this matter. Please contact me at [ XXXX ] if you require any further information or documentation. 

Sincerely, XXXX XXXX ]