Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Company refuses to provide requested information of validity of debt and continues to harass me and report incorrect information on my credit report. I have tried numerous times to dispute this with credit bureaus and company is non compliant.

Subject : Final Demand for Debt Validation, Cease and Desist, and Notice of Legal Non-Compliance To Whom It May Concern, This letter serves as a final demand under the Fair Credit Reporting Act ( FCRA ), specifically Section 609, and the Fair Debt Collection Practices Act ( FDCPA ). Despite my previous written request dated XX/XX/year>, you have failed to provide sufficient validation of the alleged debt you claim I owe. This failure is a direct violation of federal laws that protect consumers like me from fraudulent, erroneous, or unverified debt collection practices. 

I remind you that under Section 609 of the FCRA and Section 809 of the FDCPA, you are legally required to validate this alleged debt by providing the following : 1. Proof of the Original Debt : A copy of the original contract or agreement bearing my signature that demonstrates my obligation to pay the debt in question.

2. Complete Accounting : A detailed breakdown of the alleged debt, including the original balance, any interest, fees, or charges that were applied, and the exact manner in which the amount was calculated. 
XXXX. Proof of Legal Authorization : Documentation that establishes your legal authority to collect this debt, including proof of ownership or assignment of the debt. 

To date, you have failed to meet these legal obligations. Your inability or refusal to validate this debt raises significant concerns regarding its legitimacy. This non-compliance further violates my rights under federal law.

Take Notice : 1. You must immediately cease and desist from all collection activities regarding this alleged debt, including but not limited to : phone calls, letters, emails, reporting to credit bureaus, and any other form of communication.

2. If you can not validate this debt in accordance with the law, you are required to : Permanently remove all references to this alleged debt from my credit report.

Notify all credit reporting agencies to which you have reported this debt and request its deletion.

Failure to comply with this demand will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I reserve the right to pursue legal action against your organization for damages resulting from this blatant disregard for the law.

You are required to respond to this letter in writing within 30 days of receipt, providing full validation of the debt as outlined above or confirming that you will cease all collection activities and remove any negative credit reporting. Failure to do so will result in escalation of this matter, including but not limited to litigation.

This is your final notice. Any further attempts to collect on this debt without proper validation will be documented and pursued to the fullest extent of the law.

Company response to consumer: Closed with explanation