Debt collection -- Attempts to collect debt not owed -- Complaint #17928666
Debt Collector Pursues Identity Theft Victim's Debt
Complaint Overview
Complaint ID: 17928666
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: Michigan
ZIP Code: 49444
Date Received: 2025-10-31T12:00:00-05:00
Date Sent to Company: 2025-12-12T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: high
The risk is high because debt collectors may violate the Fair Debt Collection Practices Act (FDCPA) by attempting to collect debts that are not owed, especially if they are aware of identity theft.
Consumer Sentiment: negative
Topics: Debt collection, Identity theft, Fair Debt Collection Practices Act (FDCPA)
AI Analysis
CFPB complaint 17928666 was filed against Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis regarding Debt collection (I do not know), specifically about "Attempts to collect debt not owed". A consumer reported that a debt collector, Rowland Avenue Management, Inc. (also known as Columbia Debt Recovery, LLC d/b/a Genesis), attempted to collect a debt that was not owed, claiming it resulted from identity theft. The complaint was received on October 31, 2025 from Michigan. The company responded with "Closed with non-monetary relief".
What You Should Do -- Consumer Action Plan
Consumers should immediately dispute any debt they believe is not theirs, providing evidence of identity theft, and keep detailed records of all communication.
Legal Context & Consumer Protection Laws
The FDCPA prohibits debt collectors from using deceptive or unfair practices, including attempting to collect debts from individuals who are not legally obligated to pay them.
Regulatory Insight
Regulators may scrutinize debt collectors who fail to adequately investigate disputes, particularly those involving identity theft, to ensure compliance with consumer protection laws.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Michigan, as in other states, consumers have rights under federal and state laws to dispute debts and protect themselves from unfair debt collection practices.
Industry Comparison
This situation is common in the debt collection industry, where errors or fraudulent claims can lead to consumers being pursued for debts they do not owe.
Related Issues
Frequently Asked Questions
What is CFPB complaint 17928666 about?
CFPB complaint 17928666 involves Debt collection (I do not know). The consumer reported an issue with "Attempts to collect debt not owed", specifically "Debt was result of identity theft". This complaint was filed against Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis on October 31, 2025.
Which company is complaint 17928666 filed against?
Complaint 17928666 was filed against Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis. You can view all complaints against this company on their profile page at /company/rowland-avenue-management-inc-a-ka-columbia-debt-recovery-llc-d-b-a-genesis.
What was the company's response to complaint 17928666?
Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis responded with "Closed with non-monetary relief". The response was marked as timely by the CFPB.
When was complaint 17928666 filed?
Complaint 17928666 was received by the CFPB on October 31, 2025. It was sent to Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis on December 12, 2025.
What state was complaint 17928666 filed from?
Complaint 17928666 was filed from Michigan. You can view all complaints from this state at /state/MI.
Was the consumer satisfied with the resolution of complaint 17928666?
Dispute information is not available for complaint 17928666.
What product category is complaint 17928666 about?
Complaint 17928666 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 17928666 submitted?
Complaint 17928666 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 17928666?
The FDCPA prohibits debt collectors from using deceptive or unfair practices, including attempting to collect debts from individuals who are not legally obligated to pay them. This relates to a Debt collection complaint against Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis involving "Attempts to collect debt not owed".
How likely is complaint 17928666 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with non-monetary relief". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 17928666?
This complaint is rated as high risk. The risk is high because debt collectors may violate the Fair Debt Collection Practices Act (FDCPA) by attempting to collect debts that are not owed, especially if they are aware of identity theft.
What regulatory actions apply to complaint 17928666?
Regulators may scrutinize debt collectors who fail to adequately investigate disputes, particularly those involving identity theft, to ensure compliance with consumer protection laws. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 17928666?
Consumers should immediately dispute any debt they believe is not theirs, providing evidence of identity theft, and keep detailed records of all communication.
Are there state-specific protections for complaint 17928666?
In Michigan, as in other states, consumers have rights under federal and state laws to dispute debts and protect themselves from unfair debt collection practices. This complaint was filed from Michigan.
How does complaint 17928666 compare to industry norms?
This situation is common in the debt collection industry, where errors or fraudulent claims can lead to consumers being pursued for debts they do not owe.
What steps should a consumer take if a debt collector continues to pursue a debt after evidence of identity theft has been provided?
The consumer should send a certified letter to the debt collector reiterating the dispute and providing further evidence. If the collector persists, the consumer may consider filing a complaint with the CFPB or relevant state agencies, and consulting with an attorney.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.