Consumer complaint received 2022-07-23
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Reporting Agency : Genesis Credit Management Reporting amount : {$3100.00} Original Creditor : XXXX XXXX XXXX I few months back I noticed this negative reporting inquiry reporting to my XXXX credit report and was immediately thrown off because I had never rented from this XXXX XXXX and has no recollection of this absurd amount of {$3100.00} that was owed to XXXX XXXX XXXX. I immediately filed a dispute with XXXX and the results came back as verified. I then attempted to contact Genesis Credit Management to speak about this fraudulent account using my SSN and after XXXX minutes of attempting to locate me using my SSN, address, phone number and DOB, the company was unable to locate an account matching any personal information relating to me. They advised me to continue to dispute the negative information with XXXX so I filed another dispute. This dispute came back verified as well. Frustrated with the out come and the debt collection agency not being able to even locate a matching account, I contacted Genesis Credit Management again and spend about an hour with the agent attempting to locate a account that they could match with me. I expressed my frustration with the agent and he was definitely trying to help, this time they worked with a Supervisor to attempt to locate a account they could match with me. Finally, some good news, they were able to locate something, however the only thing that matched was a First Name and a Last Name and the original creditor being XXXX XXXX XXXX in the amount of {$3100.00}. No matching SSN, address, Telephone number or any other personal information. The DOB was completely different and not mine and they notified me that it was a joint account and if I knew ( XXXX XXXX names I was unfamiliar with ) and I responded with a definite No. They suggested that I continue to dispute it with XXXX so immediately after the call I disputed it again. And yet again, they came back with the same outcome, that upon completion of their investigation, the outcome was Verified and belonged to me. At this point I was frustrated with whatever method of verification was being used because if it took me and the agents who worked for the collections company multiple attempts to locate me in their systems, then how was the verifying company able to just use a first and last name, no matching SSN, DOB, phone or address to consider the account validated and worth reporting negatively on my credit report. Its really frustrating that this has taken several months to attempt to get a solution to this problem so I hope that you can forward this message to the appropriate companies and organizations to get this negative reporting inquiry removed from my credit report asap. I have been working hard to build my credit report up and having this negative inquiry greatly affects my options. Im a small business owner and in order go get approved for a small business loan, the first thing Lenders want to see is my credit report. I would like to thank you for your assistance In making sure this gets to the appropriate companies to finally get a resolution. Thank you.

Company response to consumer: Closed with explanation