Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I have filed complaints with the XXXX XXXX XXXX, the Attorney General, and the FTC against XXXX XXXX because the exact same pattern of conduct is reported all over the internet by consumers dealing with this company. First, consumers state they never receive any initial notice before the account is placed on their credit report. That is exactly what happened to me. I never received any initial notice or written communication from XXXX XXXX before this account was reported as a collection account on my credit file. Then, once consumers dispute the account and request proper validation, the company either ignores the request completely or sends back a generic invoice generated by themselves that does not constitute proper debt validation under federal law. That is also exactly what happened in my case. I repeatedly requested proper validation of this alleged debt, yet XXXX XXXX has failed to provide : A signed contract bearing my signature A complete payment history Itemized billing statements A chain of assignment or bill of sale Proof they legally own the debt Proof they have the legal authority to collect or report this account Instead, the company continues reporting the account while avoiding proper validation requirements. What makes this even more concerning is that consumers across the internet report that when they send disputes or validation requests to XXXX XXXX, the company claims they never received them. I fully expect this company to make the same claim in my case even though I have documentation proving that I sent multiple disputes and validation requests regarding this account. So somehow consumers are expected to believe that : XXXX XXXX mailed initial notices that consumers never received, but XXXX XXXX also somehow never receives the disputes consumers send back. That makes absolutely no sense and raises serious concerns regarding this companys dispute handling procedures and compliance with federal law. Additionally, the reporting itself contains discrepancies and inconsistencies across the credit bureaus. The account reports different Date Opened and Date Last Active information depending on the bureau reporting it. For example : XXXX reports Date Last Active as XX/XX/XXXX XXXX reports Date Last Active as XX/XX/XXXX XXXX reports Date Last Active as XX/XX/XXXX The account is also continuously updated as an active derogatory collection despite the fact that proper validation has never been provided. These inconsistencies raise concerns regarding XXXX XXXX compliance and the accuracy requirements mandated under the Fair Credit Reporting Act. At this point, I am exhausted dealing with this companys tactics. Consumers are becoming more aware of what proper debt validation actually is, and companies should not be allowed to continue reporting damaging collection accounts without competent evidence. This complaint is not only about my account. I want other consumers to become aware of these practices because this exact behavior is repeatedly being reported against this company online.

Company response to consumer: Closed with explanation