Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8172443
Complaint Overview
Complaint ID: 8172443
Company: Rowland Avenue Management, INC. A/Ka Columbia Debt Recovery, LLC D/B/A Genesis
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: South Carolina
ZIP Code: 29445
Date Received: 2024-01-14T12:00:00-05:00
Date Sent to Company: 2024-01-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
According to the Fair Credit Reporting Act, I have the right to ensure that XXXX and XXXX, as consumer reporting agencies, handle my private information fairly and with respect for my privacy. The law, specifically 15 USC 6801, states that financial institutions, including those furnishing information to credit agencies, must have an ongoing obligation to respect customer privacy. I emphasize that these agencies and the financial institution ( Furnisher of information to credit agencies ) lack my consent to furnish, my information, as stated in 15 USC 1681 section 604 ( a ) ( 2 ). Moreover, they did not inform me of my right to exercise my nondisclosure option, a requirement under 15 USC 6802 ( b ) ( c ). I argue that XXXX and XXXX are violating the law by reporting adverse information without my permission, as outlined in 15 USC 1681C ( a ) ( 5 ). Additionally, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) prohibits furnishing inaccurate information to consumer reporting agencies, and 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to avoid violations. Pointing to 12 CFR 1016.7, I highlight my right to opt out of their reporting services at any time. In summary, I assert that these entities are not adhering to various legal provisions designed to protect consumer rights regarding privacy and information accuracy.
Frequently Asked Questions
What is Complaint #8172443 about?
Complaint #8172443 was filed against Rowland Avenue Management, INC. A/Ka Columbia Debt Recovery, LLC D/B/A Genesis regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-01-14T12:00:00-05:00.
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 (Credit reporting or other personal consumer reports) 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.