Consumer complaint received 2024-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX **Genesis Management LLC** XXXX XXXX XXXX XXXX, WA XXXX **Subject XXXX Dispute of Inaccurate Reporting** **Collection Account - Genesis Management LLC XXXX XXXX XXXX XXXX  To Whom It May Concern , I am writing to formally dispute the accuracy of a collection account reported by Genesis Management LLC ( Originator ) related to XXXX XXXX XXXX XXXX Furnisher ), which appears on my credit report. I am exercising my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 
According to Sections 1681i and 1681s of the FCRA, consumers are entitled to dispute inaccurate or incomplete information in their credit files. I am requesting a reinvestigation of the account referenced above.

The reported collection for Early Termination Fee ( {$460.00} ) and Past Utility Bills ( {$140.00} ), totaling {$620.00}, is inaccurate for the following reasons : 1. **Letter from My Attorney** : A letter sent to the manager of XXXX XXXX XXXX outlining the reasons and conditions for my release from the rental agreement. 

2. **Response Emails from XXXX XXXX XXXX Manager** : Emails confirming my release from the lease agreement without penalties and the return of my {$300.00} security deposit. 

3. **Apartment Ledger/Lease Agreement** : Documentation confirming my payment of a {$300.00} security deposit and the conditions for its return. Additionally, the utility bills for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and the first six days of XX/XX/XXXX were billed after I vacated the premises. Despite providing my forwarding address on two occasions ( XX/XX/XXXX and XX/XX/XXXX ), I never received these bills. Therefore, the {$140.00} should have been deducted from my security deposit. 

This evidence substantiates my claim that no additional fees were owed upon my vacating the premises. The Furnisher has violated FCRA law knowingly and deliberately.

The Consumer Financial Protection Bureau ( CFPB ) has made it clear that collecting debts that are not owed or collecting incorrect amounts violates the FCRA.

I request the following actions : 1. Remove all reported information by the Furnisher and Originator from the credit reporting bureau promptly.

2. Take corrective actions to provide restitution by returning my security deposit, minus the cost of utilities. Failure to return the security deposit will lead me to exercise my right to sue for damages resulting from FCRA violations.

3. The CFPB should take regulatory enforcement action against the Furnisher for violating the law, including penalties and other actions.

I request a reasonable investigation into this matter pursuant to Section 611 and the prompt removal of this invalid collection from my file.

Thank you for your attention to this urgent matter. I look forward to the results of your investigation. Please feel free to contact me with any questions. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief