Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Cell : ( XXXX ) XXXX Email : XXXX XX/XX/year> Columbia Debt Recovery XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Immediate Compliance Required Violation of Federal & State Laws To Whom It May Concern, This letter serves as a formal continuation of the original XXXX dispute period that began on XX/XX/year>. Your company, Columbia Debt Recovery XXXX, has never been legally licensed to collect debt in the State of California, as confirmed by the California Department of Financial Protection and Innovation ( DFPI ) and the XXXX Consumer Access database. 

XXXX. Violation of California Debt Collection Licensing Laws Under California Financial Code 100000 et seq. ( Debt Collection Licensing Act - DCLA ), any entity engaging in debt collection must obtain a valid license from the California DFPI. Your company does not possess such a license, meaning all collection attempts against me in California have been and continue to be illegal. 

Furthermore, under the California XXXX Fair Debt Collection Practices Act ( XXXX. XXXX. XXXX XXXX et seq. ), any entity attempting to collect a debt without proper licensing is engaging in unfair and deceptive practices, which carries civil liabilities and potential regulatory penalties. 

XXXX. Unlawful Interference with My Due Process Rights Columbia Debt Recovery XXXX does not have legal standing to collect, report, or communicate regarding any alleged debt on behalf of the original creditor because : You lack a proper debt collection license in California. 
You are not a party to the original contract between myself and the creditor. 
You are unlawfully interfering with my legal right to dispute and address matters directly with the original creditor. 

Your unauthorized involvement constitutes a direct violation of my due process rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq., as well as my consumer protection rights under the California Consumer Legal Remedies Act ( Cal. Civ. Code 1750 et seq. ). 

XXXX. Demand for XXXX and Proof of No Double Taxation Per 26 U.S.C. 6050P, if a debt has been written off, discharged, or claimed as a loss by the original creditor, then Columbia Debt Recovery LLC has no legal right to pursue collection on the same debt. If your company or the original creditor has already claimed a tax deduction or loss for this debt, I demand : 1. An official copy of IRS Form 1099-C for any and all alleged debt related to this account. 
XXXX. Proof that your company has legal standing to collect this debt despite any prior tax-related charge-offs. 

Pursuing collection on a debt that has been written off or deducted would be considered double taxation fraud, violating both federal tax laws and state consumer protection statutes. Any further collection attempts may constitute willful tax evasion and fraud, subject to IRS penalties. 

XXXX. Immediate Cease and Desist Order You are hereby ordered to immediately cease and desist all collection activity related to this matter, including : Stopping all calls, letters, and credit reporting activities. 
Removing any derogatory reporting on my credit profile related to this debt. 
Providing written confirmation that no further collection attempts will be made. 

If you fail to comply with this demand, I will file formal complaints with : The California Department of Financial Protection and Innovation ( DFPI ).

The Consumer Financial Protection Bureau ( CFPB ). 
The Federal Trade Commission ( FTC ). 
The Internal Revenue Service ( IRS ) for potential tax fraud violations. 

You are expected to provide a full written response within 10 days of receiving this letter. If you do not comply, I will pursue all available legal remedies to ensure my rights are fully protected under both federal and state laws. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation