Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Rental 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: FL

Complaint narrative:
This letter serves as a response to your correspondence dated XX/XX/XXXX, regarding the alleged debt associated with XXXX on XXXX  ( Account # XXXX ). Your actions have violated multiple federal statutes, including the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Gramm-Leach-Bliley Act ( GLBA ), and I am demanding immediate corrective action. 

Violations and Legal Standing : XXXX. FDCPA Violations : Failure to Validate Debt ( 15 U.S.C. 1692g ) : The documentation provided is inadequate to substantiate the alleged debt. Your reliance on the lease agreement does not constitute valid proof of liability, as it lacks evidence of my consent or acknowledgment of the amounts claimed. 

XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. App. XXXX ) : Debt collectors must provide verifiable evidence of liability to collect on a debt.

Deceptive Practices in Using Lease Agreements ( 15 U.S.C. 1692e ) : Your use of a lease agreement to mislead and coerce payment is a deceptive practice under the FDCPA. 

Case Law : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Debt collectors may not use misleading documents to deceive consumers into paying disputed debts. 
XXXX. FCRA Violations : Reporting Inaccurate Information ( 15 U.S.C. 1681e ( b ) ) : Conflicting " On Record Until '' dates across credit reporting agencies and missing essential data such as the Date of First Delinquency undermine the accuracy required by the FCRA. 
XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Credit reporting agencies must ensure the accuracy of reported information. 
XXXX. GLBA Violations ( 15 U.S.C. 6801-6802 ) : Unauthorized Use of Private Financial Information : Your possession and use of my lease agreement violate my privacy rights under the GLBA, which mandates the safeguarding of consumers ' nonpublic personal information ( NPI ). This includes lease agreements containing sensitive data. 

15 U.S.C. 6801 : Institutions must ensure the security and confidentiality of consumers ' financial information. 
15 U.S.C. 6802 : Financial institutions may not disclose consumers XXXX without their explicit consent. 
Your use of the lease agreement to furnish information to credit reporting agencies and to substantiate the alleged debt constitutes an invasion of privacy. 

Case Law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Debt collectors must handle private consumer information in a manner that complies with federal privacy laws.

Cease-and-Desist Demand ( 15 U.S.C. 1692c ( c ) ) : Effective immediately, I am invoking my rights under the FDCPA to demand that you cease all forms of communication with me regarding this alleged debt. This includes, but is not limited to : Phone calls Emails Letters Any other form of contact Failure to comply with this directive constitutes a violation of federal law and will result in further legal action. 

Demands for Resolution : Immediate Removal of the Account : Remove this account from all credit reporting agencies as it is unverifiable, inaccurate, and disputed.

Compensation for Damages : I demand compensation for the emotional distress, reputational harm, and financial loss caused by your unlawful actions.

Cease All Collection Efforts : Halt all attempts to collect on this disputed debt. 
Comprehensive Validation of Debt : Provide verifiable documentation proving my liability for this debt, including but not limited to an itemized statement and proof of payment history. 
Destruction of Private Data : Destroy any nonpublic personal information ( e.g., lease agreements ) obtained or used in violation of the GLBA. 
Legal Notice : Should you fail to comply with the above demands within XXXX  days of receipt of this letter, I will escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state attorneys general. Furthermore, I reserve the right to pursue legal action to recover statutory damages, actual damages, and attorney fees under the FDCPA, FCRA, and XXXX.

Company response to consumer: Closed with explanation