Consumer complaint received 2024-02-06
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

I, XXXX XXXX, am formally writing this complaint to the CFPB to report noncompliance by the debt collection agency COLUMBIA DEBT RECOVERY LLC. 
per their response in both the CFPB complaints XXXX and XXXX, COLUMBIA DEBT RECOVERY LLC stated that they follow all laws pertaining to furnishing to consumer reporting agencies. This statement is a lie and is a stall attempt. The Fair Debt Collection Practices Act prohibits debt collectors labeling themselves, representing themselves, or conveying themselves as attorneys per 15 USC 1692e ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney and per 15 USC 1692e ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. This is in fact false and misleading. COLUMBIA DEBT RECOVERY LLC is barred from reporting as an attorney per FDCPA. COLUMBIA DEBT RECOVERY, you are not an attorney. That is a violation. The Fair Debt Collection Practices Act also prohibits debt collection agencies from having any languages or symbols in the indicates that they are in the debt collection business pursuant to 15 USC 1692f ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. Thus, the name " COLUMBIA DEBT RECOVERY ''. This name indicates that this company is in the debt collection business. COLUMBIA DEBT RECOVERY LLC also violated my federally protected rights per 15 USC 1692d ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. COLUMBIA DEBT RECOVERY LLC has lied stating that they are following all laws and compliance. This company insinuates per their previous response that XXXX to is above the FCRA and FDCPA in terms of compliance. Ignorance of the law is no excuse to breaking. This company still has not provided me legal documentation giving them legal authorization to have my personal private information per Privacy Act 5 USC 522a. There has been no legal indication or clarification that COLUMBIA DEBT RECOVERY is in fact licensed to collect in the state of Tennessee. I, XXXX XXXX, questioned COLUMBIA DEBT RECOVERY in detail on the matter per the initial debt validation letter in which COLUMBIA DEBT RECOVERY ignored. In this case this without legal permission and no legal license to collect in Tennessee, it is harassment, abuse and identity theft which is violation of 18 U.S. Code 1341 - Frauds and swindles and 18 USC 1001 ( a ) ( 1 ) ( 2 ) ( 3 ). I, XXXX XXXX, want to remind the CFPB of COLUMBIA DEBT RECOVERY 'S previous abuse on another consumer in the past. They have already been sued for abusive behavior. COLUMBIA DEBT RECOVERY LLC lost this case based on their noncompliance of the FDCPA.