Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing this complaint to formally dispute an inaccurate, unverified, and unlawfully reported debt that has recently appeared on my credit report and is causing ongoing financial harm. 

Debt Collector : Columbia Debt Recovery Account Number : XXXX Amount Reported : {$14000.00} Alleged Debt Type : Eviction / Rental Balance Date of Alleged Debt : XXXX This account is being reported in clear violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and applicable consumer protection laws.

SERIOUS DISPUTE GROUNDS 1. Incorrect Identity and Inaccurate Records The original creditor did not possess correct or complete identifying information for me. My name and personal information were inaccurate from the outset, making this account fundamentally unreliable and incapable of proper verification. Any debt reported under incorrect identifying data is legally defective. 

2. Original Creditor Is Defunct/ No Longer in Business The apartment complex associated with this alleged eviction is no longer operating and has gone out of business. The property has since been acquired and managed by a different company. As such, Columbia Debt Recovery must prove : A valid chain of title Legal assignment of the debt Authority to collect and report To date, no such proof has been provided. 

XXXX. Failure to Provide Competent Validation Columbia Debt Recovery has failed to provide competent evidence that this debt is valid, owed, or enforceable, including but not limited to : A signed lease agreement A lawful judgment An itemized accounting of charges Proof of ownership or assignment Absent this documentation, continued reporting constitutes willful noncompliance. 

4. Re-Aging and Improper Credit Reporting This alleged debt is now being reported years later, negatively impacting my credit, despite its disputed status and lack of verification. This appears to be improper re-aging and reporting of unverifiable information, which is expressly prohibited under federal law. 



LEGAL VIOLATIONS This conduct constitutes violations of : 15 U.S.C. 1681 ( a ) ( 1 ) ( A ) reporting inaccurate information 15 U.S.C. 1681 ( b ) failure to ensure maximum possible accuracy 15 U.S.C. 1681s-2 failure to investigate disputed information FORMAL DEMAND FOR RELIEF I am demanding that the CFPB : 1. Conduct a full investigation into Columbia Debt Recoverys reporting practices 2. Require immediate production of lawful verification and chain-of-title documentation 3. Direct immediate deletion of this account if proper validation can not be produced 4. Ensure this inaccurate account is removed from all consumer reporting agencies If this matter is not resolved promptly, I reserve the right to pursue further remedies available under federal and state law. 

This account is inaccurate, unverifiable, and unlawfully reported, and it must be removed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation