Debt collection -- Attempts to collect debt not owed -- Complaint #18894261
Complaint Overview
Complaint ID: 18894261
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 is not yours
State: Florida
ZIP Code: 331XX
Date Received: 2025-11-26T12:00:00-05:00
Date Sent to Company: 2026-01-21T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Formal Debt Validation Request FDCPA ( 15 USC 1692g Sec. 809 ) To Whom It May Concern, I am writing regarding an alleged debt your company is attempting to collect. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I dispute this debt in its entirety and request full validation. Until proper validation is provided, you must cease all collection activity, including reporting to any credit bureau. According to my credit reports, CDR Genesis is reporting the following account : Collection Agency : CDR Genesis Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} High Credit : {$13000.00} Account Status : Collection / Chargeoff Comments : Placed for collection Last Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX As required under federal law, I request the following documentation : 1. Proof that I am responsible for this debt : - A copy of the original signed contract or agreement with XXXX XXXXXXXX XXXX XXXXXXXX - Documentation connecting my personal information to this alleged debt 2. Complete itemized breakdown of the balance : - Original amount owed - Itemization of all fees, charges, and interest applied - Explanation of how the balance reached {$15000.00} 3. Documentation from the original creditor : - Full original account number - Last billing statement before transfer - Amount owed at the time the debt was assigned 4. Proof CDR Genesis has legal authority to collect : - Assignment or transfer documentation - Date of transfer - Proof of legal right to collect in my state 5. Proof of your debt collection license : - License number - Issuing regulatory agency 6. Additional compliance information : - Date the alleged debt became delinquent - Original due date - Whether the debt is within statute of limitations Under the FDCPA, you must stop all collection activities until full validation is provided. Attempting to collect or report an unvalidated debt is a violation of federal law. If you can not validate the alleged debt, you must delete the account from all credit bureaus and provide written confirmation of deletion. Failure to validate within the legally required timeframe will result in formal complaints being filed with the FTC, Attorney General, and other regulatory agencies. I may also pursue civil action for violations of FDCPA and FCRA.
Frequently Asked Questions
What is Complaint #18894261 about?
Complaint #18894261 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 2025-11-26T12:00:00-05:00.
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 non-monetary relief". 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.