Debt collection -- Attempts to collect debt not owed -- Complaint #7875566
Complaint Overview
Complaint ID: 7875566
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: Texas
ZIP Code: 77429
Date Received: 2023-11-19T12:00:00-05:00
Date Sent to Company: 2023-11-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing this letter to formally dispute the alleged debt, which appears on my credit reports and is currently being pursued by Columbia Debt Recovery. After thorough review, I have determined that I do not recognize this debt, and I believe it has been reported in error. I am deeply concerned about the inaccurate and damaging information that has been reported to the credit bureaus, as it has caused me significant emotional distress. I understand that the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) provide consumers with certain rights, and I intend to exercise those rights to rectify this situation promptly. I request that Columbia Debt Recovery conduct a thorough investigation into the validity of this debt and provide me with all relevant documentation supporting its legitimacy. This includes but is not limited to : A complete account history, including details of the alleged debt, its origin, and the original creditor. Copies of any signed agreements or contracts related to the alleged debt with any ID that proof that I own this alleged debt. Verification of the date of the last activity on the account. Documentation proving that Columbia Debt Recovery has the legal right to collect on this alleged debt. Please be advised that, until such time as a thorough investigation is completed and you provide me with the requested documentation, I dispute the validity of this debt. I also insist that you cease all collection activities, including reporting this debt to the credit bureaus, until the matter is resolved. I am aware of my rights under the FDCPA and FCRA, and I am prepared to take legal action if necessary to protect my rights. I expect Columbia Debt Recovery to act in accordance with the law and to provide me with a prompt response to this dispute.
Frequently Asked Questions
What is Complaint #7875566 about?
Complaint #7875566 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 2023-11-19T12:00:00-05:00.
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.