Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
The amount of the alleged charged off debt keeps increasing on report the new balance is {$7300.00} account number is always different upon sending a validation letter I never received the sent me an email on XX/XX/year> I spoke with the compliance manager on a recorded line who said I did not need to send in a letter for validation. He told me to send in a lease with where I lived at time of alleged debt and my police report FTC report and a bill and a valid ID and it will be removed I followed up once a week and still no compliance. Then the send a single lease page with multiple errors and false information without my signature. I asked for the following to facilitate this process, I require the following documentation : 1. **Date of First Activity** : The date the account was initially opened or the debt originated.

2. **Date of Last Activity** : The most recent date of any transaction or communication regarding this debt. 
XXXX. **Date of Last Payment** : The date on which the last payment was made towards the debt.

4. **Account Number** : The specific account number associated with the debt in question.

5. **Current Account Balance** : The total amount owed as of the date of this letter.

6. **Status of the Account** : A clear indication of whether the account is active, closed, disputed, etc.

7. **Chain of Command or Custody** : Documentation proving the ownership and transfer of the debt, including any assignments or sales.

8. **Proof of Ownership** : Evidence that your organization currently owns the debt and has the right to collect on it.

9. **Proof of Collection Rights** : Documentation that demonstrates your authority to collect on this debt.

10. **Copies of Signatures** : Signed agreements from all parties involved in the original transaction and any subsequent assignments. 
Did not get a proper or valid investigation or proof that they own alleged debt. But they continue to report affecting my credibility with other lenders. As per the IRS guidelines, a cancelled debt or charge-off is classified as income. Therefore, the reporting of this account as an outstanding debt is not only misleading but also violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires that all information reported be accurate and complete. XXXX XXXX XXXX is currently in violation of several federal laws concerning privacy and identity protection. The specific statutes in question include : I will like to add a charged of debt is written off by the original creditor they must provide a 1099-C. The reporting of this account as an outstanding debt is not only misleading but also violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires that all information reported be accurate and complete. 

1. **18 U.S.C . 1028** - This statute addresses identity theft and the use of false identification documents, which appears to be relevant to your practices.

2. **15 U.S.C. 1681n** - This provision outlines the liability for willful noncompliance with the Fair Credit Reporting Act ( FCRA ), which may pertain to how consumer information is being handled by your company.

3. **15 U.S.C. 1681b** - This section details permissible purposes for obtaining consumer reports, and I have reason to believe that your company may be accessing such reports without proper authorization.

4. **15 U.S.C. 1681i ( 7 ) ** - This statute mandates the proper handling of consumer report disputes, and it appears that your company has not adhered to these requirements. 
5. **Privacy Act, 5 U.S.C . 552a** - This law governs the collection, maintenance, use, and dissemination of personally identifiable information by federal agencies, and implications may arise regarding your data handling practices. 
I also spoke to XXXX which manages the XXXXXXXX XXXX XXXXXXXX because they had no record and there corporate office. So then I called XXXXXXXX XXXX XXXX and spoke to the property manager which said the debt was charged off and they do not no longer own the debt is was sold. So I then asked if the alleged debt was valid I never received a XXXX because they claimed it as a loss on taxes which means they would of sent me a 1099-C the manager said they didn't know who charged off the debt at there company and neither did corporate I spoke with both XXXX XXXX  and XXXX XXXX XXXXXXXX which both don't have and information of alleged debt or a original contract with me or my daughters name and they don't even have her signature on the one page they sent which then confirms the debt is not valid I turned is all documents required of me put they have not sent and valid documents one page of a lease does not so ownership right to collect or signatures with all parties involved me or my daughter never signed a contract with XXXX XXXX XXXX or XXXX XXXX XXXX we don't know if the have the right to collect in Texas but are constantly reporting inaccurate and unverifiable information it must be 100 percent accurate they submitted documentation that has several inaccuracy which violate our rights.

Company response to consumer: Closed with explanation