Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX XXXX XXXX XX/XX/year> Columbia Debt Recovery LLC DBA Genesis XXXX XXXX XXXX XXXX, WA. XXXX Subject : Formal Dispute and FCRA Violation Notice Regarding Unauthorized Sale of Social Security Number and Request for 1099-C Form Dear Renew One : I am writing to formally dispute the unauthorized sale of my personal information, specifically my Social Security number , to secondary creditors. As a consumer, I am entitled to the protection and privacy of my personal information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

It has come to my attention that my Social Security number was shared with third-party entities without my explicit consent, which is a direct violation of my rights under the FCRA. This unauthorized sharing of my sensitive information not only breaches my privacy but also puts me at a heightened risk of identity theft and other fraudulent activities. 
As stipulated by the FCRA, I am entitled to : XXXX. The right to be informed if information in my credit report has been used against me. 
XXXX. The right to know what is in my file. 
XXXX. The right to dispute incomplete or inaccurate information. 
In addition, I am aware that I have the right to a copy of the 1099-C form that was used for tax purposes in the event of debt monetization using my Social Security number. It is particularly concerning when such monetization has occurred without my permission, either by the original creditor or by any purchaser of the debt from the original creditor. The issuance of a 1099-C form has significant tax implications for me, and I am entitled to all documentation related to this action. 


I demand that you immediately : XXXX. Cease any further sharing of my Social Security number and other personal information with secondary creditors or third parties. 
XXXX. Investigate this unauthorized disclosure and provide me with a detailed explanation of how my information was shared, including the names of all entities that have received my information. 
XXXX. Confirm that my Social Security number has been removed from any databases accessible to secondary creditors or other third parties. 
XXXX. Provide me with a copy of the 1099-C form related to the debt monetization using my Social Security number. 
XXXX. Remove account # XXXX from all Credit Bureaus Data Base immediately. 
XXXX. Remove address associated with account Number # XXXX Please consider this letter as my formal dispute of this violation. I expect a prompt response, including the steps you will take to rectify this situation, within the 30-day period as required by the FCRA. Failure to comply with these requirements will leave me no choice but to pursue further legal action to protect my rights.

Please send all correspondence regarding this matter to the address listed above. Thank you for your prompt attention to this serious matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation