Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MD

Complaint narrative:
I recently obtained a copy of my credit report and noticed inaccurate information. This fraudulent account has devastated my life. Because of Columbia Debt Recoverys false reporting, my credit score has dropped significantly. I have been denied housing, forced to pay higher interest rates, and embarrassed when lenders and employers reviewed my credit report. The stress has been overwhelming, causing sleepless nights, anxiety, and emotional distress. This inaccurate debt has created unnecessary financial hardship, blocked me from advancing in my career and personal life, and left me feeling powerless despite having a court judgment that proves I do not owe this money. Their actions have destroyed my trust in the system and have placed a heavy burden on both my financial stability and mental health.I am filing this urgent complaint against Columbia Debt Recovery and XXXX XXXX XXXX XXXX XXXX for willfully reporting and attempting to collect a fraudulent debt on my credit report, in direct violation of federal law. Proof I Do Not Owe This Debt On XX/XX/XXXX, in Small Claims Case No. XXXX, the XXXX XXXX XXXX XXXX XXXX entered judgment in my favor against XXXX XXXX XXXX XXXX XXXX. The court ordered XXXX to pay me {$5000.00}. This judgment proves that I do not owe XXXX instead, they legally owe me money. Yet on XX/XX/XXXX, Columbia Debt Recovery reported a false collection account for {$5800.00}. This is fraudulent, misleading, and a blatant attempt to collect money I do not owe. Violations Committed Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing inaccurate information. 15 U.S.C. 1681e ( b ) : Failure to maintain maximum accuracy. 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation after dispute. 15 U.S.C. 1681n & 1681o : Willful and negligent noncompliance ( statutory damages {$1000.00} per violation ). Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 2 ) ( A ) : False representation of the character and legal status of debt. 15 U.S.C. 1692e ( 8 ) : Reporting false information to credit agencies. 15 U.S.C. 1692f : Unfair and unconscionable collection attempts. These constitute multiple violations of both statutes, each carrying liability for statutory damages, actual damages, and attorneys fees. Demand for Immediate Deletion I hereby demand : Immediate deletion of this fraudulent account from all credit bureaus ( XXXX, XXXX, and XXXX  ). Immediate cessation of any collection activity by Columbia Debt Recovery. CFPB enforcement action against Columbia Debt Recovery and XXXX XXXX XXXX XXXX XXXX for willful violations of FCRA and FDCPA. Compensatory damages for the harm caused to my financial standing and credit reputation. Conclusion The attached judgment proves I do not owe this debt. Columbia Debt Recovery is knowingly furnishing false information and attempting illegal collection. I am requesting the CFPB to order immediate deletion of this account, hold the parties accountable, and protect me from further harm. 
The attached judgment proves I do not owe this debt. Columbia Debt Recovery is knowingly furnishing false information and attempting illegal collection. This has devastated my life causing denial of credit, loss of housing opportunities, higher interest rates, and severe emotional distress. I am requesting the CFPB to order immediate deletion of this account, hold the parties accountable, and protect me from further harm. 
I am disputing the above-referenced collection you are furnishing to XXXX, XXXX, and XXXX. The tradeline is false, inaccurate, and legally invalid. 
On XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX entered judgment in my favor against XXXX XXXX XXXX XXXX XXXX, ordering XXXX to pay me {$5000.00} ( principal and costs ). This binding judgment confirms I do not owe XXXX or any agent/assignee of XXXX. 
Your continued collection and furnishing of a balance of {$5800.00} ( XX/XX/XXXXXXXX  ) directly contradicts the courts judgment and is damaging my credit. 
Violations ( you are currently in violation of federal law ) FCRA ( as a furnisher ), 15 U.S.C. 1681s-2 : 1. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information you know or should know is inaccurate.
2. 1681s-2 ( a ) ( 2 ) Failure to correct/update after becoming aware of inaccuracies.

3. 1681s-2 ( b ) Failure to conduct a reasonable investigation after notice of dispute and to delete/correct unverifiable information. 
FDCPA, 15 U.S.C. 1692 et seq. : 4 ) 1692e ( 2 ) ( A ) False representation of the character/amount/legal status of a debt.

5 ) 1692e ( 8 ) Communicating credit information known ( or that should be known ) to be false to CRAs.

6 ) 1692f Unfair/Unconscionable collection practices.

Total violations identified : 6.

Willful/non-willful noncompliance exposes you to statutory damages ( FCRA 1681no ; FDCPA 1692k ), actual damages, and fees.

My demands ( strict deadlines ) 1. Immediate deletion of the Columbia Debt Recovery tradeline from XXXX, XXXX, and XXXX. 
2. Written confirmation on your letterhead, mailed to me, that you have requested deletion with each CRA. 
3. Cease all collection activity on this account. ( Treat this as notice under FDCPA 1692c ( c ). ) 4. If you claim any basis to continue reporting, provide within 10 business days : The fully executed contract bearing my signature that created any obligation to your client, A complete chain of title/assignment from original creditor to you, A full accounting showing how the alleged balance was calculated, An explanation how your claim survives the attached court judgment that awarded money to me, not to you. 
Absent this exact documentation, you must delete. 
If you fail to delete and confirm in writing by 30 days from your receipt of this letter, I will file complaints with the CFPB, FTC, and my State Attorney General, and I will preserve all rights to pursue remedies in court. 
Please direct all future communications to me in writing only at the address above.

Company response to consumer: Closed with explanation