Consumer complaint received 2024-05-08
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

Columbia Debt Recovery LLC DBA Genesis Credit Management has reported incorrect information to my credit report. I disputed the alleged account with all three credit reporting agencies about inconsistent and incorrect reporting. XXXX and Columbia Debt Recovery did not complete an accurate and thorough investigation. After disputing the account on XXXX, Columbia Debt Recovery placed a duplicate report of this alleged account of my credit report on XX/XX/2024. I filed a complaint with the CFPB which was not resolved. I have disputed this alleged account more than once and Columbia Debt Recovery still has not resolved this matter. I never gave this debt collector any written consent or permission to access my credit report ; nor have I shared any communication with this debt collector. This is abuse of my rights and my privacy under 18 USC 8 pursuant to 15 USC 1681-B2. This is identity theft. I believe they placed the alleged duplicated account due to retaliation for disputing the incorrect information.Equifax failed to do a thorough investigation and allowed Columbia Debt Recovery to place the duplicate account when there was an account previously reported. Columbia Debt Recovery is refusing to remove the account. Under 15 USC 1681e ( b ), Compliance procedures accuracy of report. These accounts nor the Columbia Debt Recovery are NOT following reasonable procedures to assure maximum possible accuracy. It is inaccurately reporting. XXXX and XXXX are pending review for the inaccurate reporting of the information. I asked that XXXX, XXXX, and XXXX delete the accounts with the inaccurate reporting when performing a thorough investigation. Please DELETE immediately.This is abuse of my rights and creating financial hardships due to inaccurate reporting of this information across my credit reports. Columbia Debt Recovery is alledging that there is a debt owed but there are multiple discrepancies and balances reported. On XX/XX/2024 Columbia Debt Recovery attached a debt validation letter with an amount of {$12000.00} with the last four of the account ending in XXXX. There are so many alleged balances being reported within the last 7 days. I do not owe this debt. This debt is invalid. The Hamptons at XXXX XXXX has an attorney collecting a balance of a smaller amount on their behalf. This is unethical on The Hamptons at XXXX XXXX to have a monetary judgment and also sell the debt to retrieve for a higher amount. This is fraud. Columbia Debt Recovery is trying to link more than one account and different balances to me. When filing the complaint Columbia Debt Recovery stated they did a thorough investigation and verified the information in their system. They are not being compliant. These account needs to be removed.

Columbia Debt recovery stated they verified the alleged collection amount with XXXX but the amount cant be correct when there are different amounts being reported across all three credit reporting agencies. Columbia Debt Recovery tried to disregard the information by stating that I was creating the compliant due to an indirect dispute that was resolved which is incorrect. On XX/XX/2024 Columbia Debt Recovery reported the balance as being {$12000.00} on XXXX. On XX/XX/2024, Columbia Debt Recovery reported the balance as being {$12000.00} on XXXX in writing from the dispute results. As of XX/XX/2024 I checked my credit report and noticed a duplicate reporting with a different account number and balance. One account on XXXX reported {$12000.00} with the last four of the account number ending in XXXX. This account was already reporting to my credit report with inaccurate information across all three credit reporting agencies. Once I disputed this alleged collection, Columbia Debt Recovery placed a duplicated account ending in the last XXXX XXXX with a balance of {$12000.00} but stated that they did an investigation and verified the alleged account was reporting correctly and accurately with a balance of {$12000.00} on XX/XX/2024. This is misleading and deceptive. Per FCRA a debt can only be reported once. This is displaying two separate alleged debts which cause a decrease in my credit score, denial of credit, and also denial of housing for my children. This is displaying that their is allegedly a total of {$24000.00} in debt owed. Columbia Debt Recovery reported the alleged balance being {$12000.00} as of XX/XX/2024 on XXXX. Columbia Debt Recovery stated they emailed me a debt validation letter on XX/XX/2024. This is a false claim. I never received a debt validation letter that day until the complaint was filed and responded by the company on XX/XX/2024. There has not been a proper investigation. This is willful neglect. All four of these accounts need to be removed immediately from the credit reporting agencies. Per FCRA, I have the right to an accurate credit report. This is not in compliance with the FCRA. I have attached below several proofs of documentation that are highlighted to show the different account numbers, balances, and information from all four accounts with the three reporting agencies. This is my second complaint with the CFPB regarding this matter.I have filed other complaints as well due to the willful neglect and also sent documentation to Columbia Debt Recovery.