Debt collection -- False statements or representation -- Complaint #17961199
Complaint Overview
Complaint ID: 17961199
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: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Florida
ZIP Code: 32837
Date Received: 2025-11-27T12:00:00-05:00
Date Sent to Company: 2025-11-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
CFPB COMPLAINT COLUMBIA DEBT RECOVERY / GENESISCRE Consumer Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX DOB : XX/XX/year>XXXX Email : XXXX Phone : XXXX XXXX : XXXX Company : Columbia Debt Recovery / GenesisXXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$6800.00} I am submitting this complaint because this collector is reporting a debt that is unverified, inaccurate, inconsistent, and legally defective. This account has caused significant harm to my creditworthiness, and the collector has failed to prove that I owe this debt or that they have any legal right to collect or report it. I disputed this account and demanded validation as required under FDCPA 15 U.S.C. 1692g. Despite this, the collector has continued to furnish information without providing ANY of the required documentation, including : Full detailed itemized payment history Original contract with my wet signature Proof of written consent to obtain or furnish my personal information Chain of title showing every transfer of ownership of this debt Assignment documentation proving legal right to collect Insurance claims filed related to this debt Method of verification per FCRA 1681i ( 7 ) FCRA Violations : 1681e ( b ) Information furnished is not accurate, complete, or consistent 1681i ( a ) ( 1 ) ( A ) No reasonable investigation was performed by the bureaus 1681i ( 5 ) ( A ) Unverifiable information must be deleted 611 Failure to reinvestigate and verify FDCPA Violations : 1692g ( b ) Continued reporting without validation 1692cc Prohibited communication/collection activity 1692e False, misleading reporting 1692f Unfair collection practices This collector has no permissible purpose to access, furnish, or maintain my personal information. I did not give consent for any reporting or collection activity. Requested CFPB Action : Require full legal validation OR permanent deletion of this unverified collection Enforce compliance with FDCPA & FCRA
Frequently Asked Questions
What is Complaint #17961199 about?
Complaint #17961199 was filed against Rowland Avenue Management, INC. A/Ka Columbia Debt Recovery, LLC D/B/A Genesis regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-11-27T12:00:00-05:00.
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.