Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: LA

Complaint narrative:
XXXX XXXX XXXX Columbia Debt Recovery LLC dba Genesis XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Sent via Certified Mail - Return Receipt Requested Re : Formal Debt Dispute, Validation Demand, and Immediate Cease-and-Desist Order Account XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal dispute and demand for immediate debt validation regarding the above-referenced alleged debt, which you are attempting to collect. Upon conducting my own due diligence, I have found that Columbia Debt Recovery LLC dba Genesis is NOT bonded with the Texas Secretary of State, as required by Texas Finance Code 392.101.

Texas Bond Requirement & Legal Violations Under Texas Finance Code 392.101, a third-party debt collector or credit bureau is strictly prohibited from collecting any debt in Texas unless they have first obtained a surety bond and filed it with the Texas Secretary of State. Specifically : Bond Requirement : Texas law mandates that all third-party debt collectors obtain a surety bond before collecting any debt in Texas. 
Bond Amount : The required bond must be for {$10000.00}.

Bond Beneficiary : The bond must be in favor of the State of Texas and any person damaged by a violation of Chapter 392. 

Since your company is not bonded, your collection activities in Texas are illegal. This means : You have NO legal standing to collect this debt. 
Your reporting of this debt to any credit bureau is unlawful. 
Any collection attempt is a direct violation of Texas law, FDCPA, and FCRA. 

Immediate Action Required : Permanent Deletion & Cease Collection Since you lack the required bond, I demand that you : 1. Immediately delete this account from your system and all third-party databases associated with it. 
2. Immediately notify all credit bureaus ( XXXX, XXXXXXXX XXXX XXXXXXXX ) to remove this account permanently. 
3. Immediately cease all collection activities against me, including but not limited to : Phone calls Letters Emails Third-party debt transfers Reporting to any credit bureau 4 . Provide written confirmation that this account has been closed, deleted, and will never be pursued again by your company or any third party. 

Legal Justification : Lack of Standing & Unauthorized Collection Under 15 U.S.C. 1692g ( Fair Debt Collection Practices Act FDCPA ), you must provide proper legal validation of this debt, which includes proving : 1. Your AuthoritXXXX to Collect This Debt Your company must provide a legally binding debt collection authorization agreement issued directly by the original creditor, XXXX XXXX, showing that they granted you specific legal authority to collect this debt. 
If you claim to have purchased this debt, you must provide a bill of sale and assignment agreement, proving that full ownership of the alleged debt was transferred to you with clear and unbroken chain of custody. 
2. Original Contract Bearing My Signature You must provide a copy of the original agreement or contract that I signed with XXXX XXXXXXXX, establishing my alleged obligation to pay this debt. 
If no such contract exists, you have no basis for attempting to collect. 
3. Itemized Breakdown of the Debt A detailed accounting of how the amount you claim I owe was calculated, including all fees, interest, and charges added to the original balance. 
If you fail to provide an itemized breakdown, any attempt to collect an arbitrary amount is a violation of the FDCPA and FCRA. 
4. Compliance with Texas State Law Texas Finance Code 392.101 explicitly prohibits debt collection by unbonded entities. Since my research confirms that Columbia Debt Recovery LLC is not bonded, your company has no legal right to collect in Texas. 
Failure to comply with this law makes your collection attempts unlawful and subject to immediate complaints with the Texas Secretary of State and Attorney General. 

Legal Consequences for Non-Compliance If you fail to delete this account and cease collection immediately, I will take the following actions : File complaints with the CFPB, FTC, Texas Attorney General, and Texas Secretary of State, citing your unlawful collection activity and failure to validate this debt.

Report your illegal activity under Texas Finance Code 392.101, seeking a formal investigation and fines against your company. 
Pursue legal action for statutory damages of up to {$1000.00} per violation under FDCPA and FCRA, plus additional damages for emotional distress, defamation, and violations of Texas law. 
Request a federal injunction barring Columbia Debt Recovery LLC from any further collection activities in Texas due to non-compliance with state and federal laws.

Final Notice : Cease-and-Desist Order This letter serves as a final legal notice under 15 U.S.C. 1692c ( c ) ( FDCPA ) that you are to forever cease all collection activity related to this alleged debt.

You may not sell, assign, or transfer this debt to any third party.

You may not attempt to collect this debt againnow or in the future. 
You must confirm in writing that this account has been permanently deleted from your records and that you will never attempt to collect it again.

Company response to consumer: Closed with explanation