Consumer complaint received 2024-01-23 00:00:00
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
State: TN

Complaint narrative:
I, XXXX XXXX, am formally writing this complaint to address a matter in which I, XXXX XXXX, have reason to believe that I, XXXX XXXX, am a victim of abusive and deceptive behavior by a debt collection company. This company has XXXX different names, COLUMBIA DEBT RECOVERY and GENESIS. It is my overstanding that the FDCPA prohibits debt collectors from using business names other than their true name per 15 USC 1692e ( 14 ) of the FDCPA. The debt collection company failed to validate an alleged debt they claimed I, XXXX XXXX, owe. Written notice was sent to them on XX/XX/XXXX requesting them to properly validate the debt. COLUMBIA DEBT RECOVERY DBA GENESIS did not provide any answers as requested in the debt validation letter per 1692g, 12 CFR 1006, and 1692B of the FDCPA to validate the alleged debt. There was provided a copy of an old contract and electronic model form b1 form with violations in the electronic email. COLUMBIA DEBT RECOVERY DBA GENESIS never received permission from XXXX XXXX to use the number associated with any such accounts allegedly associated and as stated in PRIVACY ACT ( 5 U.S.C. 552a ), they did not provide XXXX XXXX with the purchase agreement that gave them legal permission to obtain XXXX XXXX social security number and any other classified information protected by the Privacy Act of 1974 as requested. This is a violation of the PRIVACY ACT. COLUMBIA DEBT RECOVERY AKA GENESIS stated in their response to the debt validation letter that the alleged debt will accrue interest which is a violation per 15 USC 1692f ( 1 ) ( FDCPA ). COLUMBIA DEBT RECOVERY DBA GENESIS name indicates that they are in the debt collection business which is a violation of 15 USC 1692f ( 8 ). COLUMBIA DEBT RECOVERY DBA GENESIS furnished the alleged account in my XXXX Consumer Disclosure Report indicating they are collecting as an attorney. This is a violation of 15 USC 1692e ( 3 ), 15 USC 1692e ( 10 ), 15 USC 1692d ( 2 ), and 15 USC 1681s-2 - ( FCRA ) for reporting inaccurate information to the CRAs. Attorneys can not be debt collectors and debt collectors can not be attorneys. COLUMBIA DEBT RECOVERY LLC DBA GENESIS did not provide any proof showing that they were licensed to collect in the state XXXX per XXXX XXXX ( XXXX ). COLUMBIA DEBT RECOVERY LLC DBA GENESIS was demanded to cease and desist all collection activities immediately for abusive and deceptive behavior used against XXXX XXXX to collect the alleged debt. COLUMBIA DEBT RECOVERY LLC DBA GENESIS will not cease despite the abuse and violations of my federally protected rights. I, XXXX XXXX, am aware that this debt collection agency has been sued in XXXX for abusive deceptive practices per Creager v. Columbia Debt Recovery in which they were judged for that matter. I, XXXX XXXX am aware that this debt collection agency is a junk debt buyer flagged as an abusive debt collection company.

Company response to consumer: Closed with explanation