Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
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
State: MI

Complaint narrative:
Date XX/XX/year> To : COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX, WA Re : Account No : XXXX Original Creditor : Unknown Amount Claimed : {$77000.00} Via Certified Mail Return Receipt Requested To Whom It May Concern : I am writing regarding the above-referenced account. I dispute this debt in its entirety. This is a formal written dispute and demand for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1. Full Validation Required Your notice lists an amount of {$77000.00}, but that figure appears incorrect, and your notice fails to identify the original creditor. Pursuant to 15 U.S.C. 1692g ( b ) and 12 C.F.R. part 1006 ( CFPB Regulation F ), I request that you produce all of the following before any further collection activity : - The name and address of the original creditor at the time of default. 
- A copy of the original signed contract, agreement, or application creating the alleged obligation, bearing my signature. 
- A full itemized accounting of the amount claimed, including principal, interest, fees, and dates. 
- A copy of the purchase/assignment agreement or bill of sale showing you have the legal right to collect, including the chain of title from the original creditor to you. 
- Proof you are licensed and authorized to collect debts in my state, including your license number. - Proof that the debt is not time-barred under my states statute of limitations. 
- Copies of all billing statements or notices you claim were sent to me. 
2. Permissible Purpose Under FCRA If you have accessed my consumer report or are reporting this account to the credit bureaus, provide documentation of your permissible purpose under the FCRA ( 15 U.S.C. 1681b ). Identify the date ( s ) you obtained my credit report and the specific subsection of 1681b you relied upon. Absent such proof, you have no authority to obtain or report my credit information, and such actions may constitute an FCRA violation.

3. Inaccurate or Unverified Credit Reporting If you have reported this account to any consumer reporting agency, be advised that I dispute its accuracy. Reporting inaccurate or unverifiable information violates the FCRA. Until you provide full validation, you must : - Mark the account as disputed with each credit bureau under 15 U.S.C. 1681s-2 ( a ) ( 3 ). - Cease furnishing inaccurate or unverifiable information.

- Delete the account from all consumer reporting agencies if you can not substantiate it.

This account as currently reported is causing ongoing harm to my creditworthiness, including denied credit opportunities, higher interest rates, and emotional distress.

4. Cease Collection Until Validation Under 15 U.S.C. 1692g ( b ), you must cease all collection efforts ( including phone calls, letters, and credit reporting beyond marking it disputed ) until you provide the requested validation. Continuing to collect without proper validation constitutes a violation of the FDCPA and can result in statutory damages, actual damages, and attorneys fees.

5. Preservation of Evidence Please preserve all records, including internal notes, call logs, recordings, assignment agreements, and correspondence related to this account. If you continue collection or reporting without validation, I will file complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, my state attorney general, and consider all legal remedies available to me. 
Please send the requested documentation to : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation