Debt collection -- Attempts to collect debt not owed -- Complaint #11204121
Complaint Overview
Complaint ID: 11204121
Company: Rowland Avenue Management, INC. A/Ka Columbia Debt Recovery, LLC D/B/A Genesis
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Florida
ZIP Code: 337XX
Date Received: 2024-12-17T12:00:00-05:00
Date Sent to Company: 2024-12-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This letter serves as a formal Notice of Dispute ( NOD ) regarding inaccurate, incomplete, and unsubstantiated reporting of certain accounts on my consumer credit reports issued by [ Experian/TransUnion ] . These discrepancies are in direct violation of 15 U.S.C. 1681, the Fair Credit Reporting Act ( FCRA ), including sections 1681i, 1681s-2, 1681c-3, as well as Title 18 and relevant case law protecting victims of XXXX XXXX 1. Columbia Debt Recovery / Genesis Credit Management LLC Original Creditor : XXXX on XXXX XXXXXXXX Report : Balance - {$3500.00} ; On Record Until XX/XX/XXXX. XXXX Report : Balance- {$3500.00} ; On Record Until XX/XX/XXXX. Discrepancies : The date for On Record Until does not align between XXXX and XXXX. This inconsistency violates the accuracy requirements of 15 U.S.C. 1681e ( b ), which obligates credit reporting agencies to maintain accurate and up-to-date records. Additionally, there is no clear reporting of the Date of First Delinquency, which is required under 15 U.S.C. 1681c ( a ) to determine the appropriate reporting timeline. The absence of a validated Last Payment Date further calls into question the legitimacy of this collection. Legal Standing : As per 15 U.S.C. 1681i, I demand an immediate reinvestigation of this account to ensure compliance with accuracy requirements. Furthermore, under 15 U.S.C. 1681c-3, as a documented victim of XXXX XXXX this account must be removed in its entirety as it arises from exploitative circumstances. XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Credit bureaus must ensure the accuracy of reported information and reinvestigate disputed items with diligence. XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Inaccuracies due to incomplete or erroneous reporting violate the FCRA, leading to compensable damages. Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : Debt collectors must comply with all requirements when attempting to collect debts, including verification. XXXX v. XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX : Failure to validate debts upon request violates the Fair Debt Collection Practices Act ( FDCPA ). FCRA and FDCPA Violations In addition to the above, I demand compliance under : 15 U.S.C. 1692c ( c ) : I hereby invoke my right to a Cease and Desist for all forms of communication regarding the alleged debts. This includes calls, emails, letters, or any other form of harassment as it disrupts my ability to operate my full-time business. 15 U.S.C. 1692g : Debt collectors must provide proper validation of the alleged debt. To date, no legal tender, contracts, or verifiable proof of the debts have been provided, thereby rendering these accounts unverifiable and unenforceable. XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. App. XXXX ) : Debt XXXX can not claim a valid debt without furnishing adequate proof. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Attempting to collect on unverifiable debts violates the FDCPA and subjects collectors to liability. Conclusion Under federal law, you are required to maintain the highest degree of accuracy when reporting information. As a victim of XXXX XXXX I am entitled to protections under the FCRA, Title 18, and relevant case law. I demand immediate correction and removal of these accounts to prevent further harm. Please respond to this notice within 30 days of receipt, as required under federal law. Failure to do so will result in escalation.
Frequently Asked Questions
What is Complaint #11204121 about?
Complaint #11204121 was filed against Rowland Avenue Management, INC. A/Ka Columbia Debt Recovery, LLC D/B/A Genesis regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2024-12-17T12:00:00-05:00.
How did Rowland Avenue Management, INC. A/Ka Columbia Debt Recovery, LLC D/B/A Genesis respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Rowland Avenue Management, INC. A/Ka Columbia Debt Recovery, LLC D/B/A Genesis?
Yes, visit the Rowland Avenue Management, INC. A/Ka Columbia Debt Recovery, LLC D/B/A Genesis company profile at readthecomplaint.com/company/rowland-avenue-management-inc-a-ka-columbia-debt-recovery-llc-d-b-a-genesis to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.