Consumer complaint received 2024-02-08
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)

It has come to my attention that the debt collection agency COLUMBIA DEBT RECOVERY LLC has inquired and reviewed my XXXX consumer disclosure report without legal consent per 15 USC 1681b permissible purposes of consumer reports ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. This company has no business inquiring and reviewing my personal private information. That is a violation of the FCRA. It has also been noticed that XXXX XXXX is the standard between consumer reporting agencies and furnishers of data ( creditors ), but it is not a law. Per 15 USC 1692e ( 3 ) FDCPA ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. There are no laws excusing debt collectors allowing them to use word formats or terms like " attorney ''. It is still both deceptive and a false implication. If this was escalated in court, it would not be covered under a specific law. It is a standard of communication amongst creditors and consumer reporting agencies. This is similar to consumer reporting agencies calling themselves " Credit Bureaus '' it is a non-legal term that is used, and it is a common name amongst communities. That still does not make it correct in formalities pertaining to the law. It is self-proclaimed but is not how congress addresses XXXX. False representations or implications that a debt collector is an attorney in any sense is a prohibition of the Fair Debt Collection Practices Act. It is demanded that all collection activity in regard to this mistake cease at once otherwise, this will be brought up and used against CDR LLC DBA GENESIS. COLUMBIA DEBT RECOVERY LLC DBA GENESIS assumed that XXXX XXXX standards would excuse them from certain statutes under the FDCPA. Please provide the law that allows this. Debt collectors typically use the term " collections '' under " account status '' on consumer reports. COLUMBIA DEBT RECOVERY LLC DBA GENESIS also stated initially that they are not obligated to reveal information concerning the agreement between the creditor and the debt collection agency when in fact under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide certain information to consumers upon request in which COLUMBIA DEBT RECOVERY LLC DBA GENESIS has not provided " chain of custody '' as requested for the alleged debt, and the " purchase agreement '' giving them legal authority to possess personal private information, legal authorization to collect on the alleged debt, and anything else giving them legal authorization concerning the CONSUMER. A contractual statement is not legal validation of debt. COLUMBIA DEBT RECOVERY LLC DBA GENESIS are not being compliant and as stated prior, they are picking and choosing what THEY want to provide which is a violation 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. There was no business done between me the consumer and COLUMBIA DEBT RECOVERY LLC DBA GENESIS. They are a random 3rd party company interrupting, insisting, and infringing upon my life as a natural living person.