Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

On the evening of XX/XX/XXXX, at approximately XXXXXXXX XXXX EST, I undertook the responsible practice of reviewing my credit report. This routine check aimed to ensure the accuracy and completeness of my financial history. To my deep concern and dismay, I uncovered several unauthorized and fraudulent accounts that I did not authorize nor have any knowledge of their creation. These accounts have cast a shadow of doubt and confusion upon my credit history. 

The following unauthorized accounts were discovered : XXXX. XXXX XXXX XXXX a. Date Opened : XX/XX/XXXX b. Amount : {$19000.00} c. Account Number : XXXX XXXX. Genesis Credit Management a. Date Opened : XX/XX/XXXX b. Amount : {$19000.00} c. Account Number : XXXX XXXX. XXXX XXXX XXXX a. Date Opened : XX/XX/XXXX b. Amount : {$3000.00} c. Account Number : XXXX XXXX. XXXX XXXX a. Date Opened : XX/XX/XXXX b. Amount : {$25000.00} c. Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX a. Date Opened : XX/XX/XXXX b. Amount : {$24000.00} c. Account Number : XXXX Additionally, I noted an unauthorized inquiry on my credit report, conducted by " XXXX XXXX '' on XX/XX/XXXX. This inquiry further deepened my concerns about potential identity theft. 

I wish to emphasize that I have no knowledge of the individuals or entities responsible for opening these fraudulent accounts, and I strongly believe that my personal information has been misused and compromised. This discovery has left me perplexed and worried about the potential consequences on my financial well-being and creditworthiness. 

In response to this unsettling situation, I have taken immediate action to protect my financial interests. I have filed a police report, which has been approved, and I have also submitted an identity theft affidavit, as required by law. Enclosed within my dispute letters to the respective credit reporting agencies, I have provided copies of these documents as evidence of my efforts to rectify this matter. 

To further safeguard my financial standing, I have also requested the inclusion of specific comments on my credit profile. These comments, as detailed in my dispute letters, serve to alert potential creditors to the fraudulent nature of these accounts and my willingness to address this matter. 

I urge the credit reporting agencies and institutions associated with these fraudulent accounts to conduct thorough investigations, remove these unauthorized entries from my credit report, and assist me in resolving this case of identity theft promptly. 

I emphasize that I am a victim in this situation, and I remain committed to ensuring that my credit history accurately reflects my financial responsibility and integrity. The unauthorized accounts and inquiries not only jeopardize my financial future but also erode my trust in the credit reporting system. 

I trust that the credit reporting agencies and the relevant institutions will take swift action to rectify this matter and provide me with the necessary support and assistance to restore the integrity of my credit profile.