Consumer complaint received 2023-10-28
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Genesis Credit, a collection agency, for the collection of multiple debts in my name that I did not incur. These erroneous accounts are significantly and unfairly impacting my credit report. Despite multiple attempts to resolve this issue directly with Genesis Credit, they have continually failed to rectify the situation, demonstrating a disregard for the law and my rights as a consumer. 

I have discovered multiple collection accounts on my credit report attributed to debts that were never created by me. I have sent several correspondences to Genesis Credit, explicitly requesting the immediate removal of these debts from my credit report. However, each time I provide them with requested documentation and evidence, they persistently demand further information or documents, resulting in an endless cycle of requests without resolution. 

To address this grave matter, I have diligently followed all appropriate procedures for cases of identity theft. I filed a report with the Federal Trade Commission ( FTC ), provided Genesis Credit with the FTC identity theft documents, submitted a comprehensive police report detailing the fraudulent nature of these debts, and furnished proof of residency at the time when these debts allegedly incurred. Furthermore, I have provided them with my identification documents, confirming my identity and disproving my association with these debts. 

Despite providing Genesis Credit with all the necessary evidence and documentation to prove the illegitimacy of these debts, they persist in their attempts to collect on these fraudulent accounts. Their refusal to rectify this mistake and their continued efforts to collect on these illegitimate debts are clear violations of the law and my rights as a consumer. 

As per the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and lawful reporting of my credit information and protection from illegal debt collection practices. Genesis Credit 's persistent and unlawful collection attempts on debts I did not create is a direct violation of these regulations. 

I am hereby requesting the immediate removal of these inaccurate and unauthorized debts from my credit report in accordance with the law. I urge the Consumer Financial Protection Bureau to intervene in this matter, investigate Genesis Credit 's unlawful practices, and ensure that they fulfill their legal obligation to cease collection on these illegitimate debts and promptly remove them from my credit report. 

Enclosed, please find copies of all correspondences, documentation, FTC identity theft paperwork, police reports, proof of residency, and identification documents submitted to Genesis Credit for your review and investigation. 

I appreciate your swift attention to this matter and seek a resolution to correct this issue without further delay. Please feel free to contact me if additional information or clarification is required to expedite this process. 

Thank you for your assistance in addressing this urgent and distressing matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation