Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Account Number : XXXX Amount : XXXX XXXX - XXXX : {$15000.00} To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. 

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. 

Please provide me with the below mentioned items : *The amount you claim the respondent owes you *An explanation showing me how you have computed the amount. 
*Copies of any documents that prove I agreed to pay the alleged amount *The identity of the original creditor *Confirmation that the account has not crossed the statute of limitation ( SOL ) period *Evidence that you are a licensed debt collector *Evidence of your license numbers and your registered agent. 
*Chain of Title of ownership of the debt *Error & Omissions Insurance I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any or my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : Violation of the Fair Credit Reporting Act/ F.C.R.A Violation of the F.D.C.P.A. 
Defamation of character 1 of 4 18 USC 894 31 USC 3729-3733 18 USC 1028A I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek litigation. 

This includes listing and information on a credit report that could be incorrect or invalidated or confirming the amount as correct when intact, there is no provided evidence that it is. If your agency can provide me with the requested documents, I will need a minimum of thirty ( 30 ) days to audit it and request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, the U.S. Congress provided the appropriate remedy for me to settle my debts via the remedy in House Joint Resolution ( H.J.R. ) 192 of XXXX XXXX XXXX under the United States. Public Law 73-10. And Public Law 48 stat. 112 ( among others if your agency/ company fails to respond to this debt validation request within a period of 10 days from the date of your receipt of my notice and affidavit, then the account information must be completely deleted and updated in your records ). 

BY : XXXX XXXX XXXX