Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
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:
This is a dispute that falls within the lines of a predatory collection company attempting to claim an item that is not valid. I have repeatedly requestedboth by mail and through formal disputesthat the company clearly state what this alleged debt is from. I already know this is tied to XXXX of multiple fraudulent accounts opened under my name, because all legitimate accounts and obligations on my end are paid and accounted for. Despite this, the item continues to be resold, reassigned, and reported without proper validation or clear explanation of origin. I am not paying a dollar toward this because it is not my debt. It is not valid, it is not verified, and it is directly tied to identity loss and unauthorized account activity that has already been reported to the FTC as referenced below and in prior submissions. I am formally disputing this item in full and will continue disputing until it is completely removed from all credit reports across all bureaus, including XXXX and any other reporting agencies connected to Columbia Debt Recovery, XXXX, and any affiliated or related entities. This is tied directly to identity theft and fraudulent activity previously documented through FTC reporting and multiple dispute channels. I have already provided all available information and supporting materials, and I will not be providing anything beyond what has already been submitted or what exists in the FTC record. XXXX saying this for the last time to you and others. XXXX copying my attorney and all relevant agencies including the XXXX, FTC, OCC ( if applicable ), state regulators tied to company headquarters, and any other applicable federal or state oversight bodies regarding fraudulent charges and accounts opened in my name. This includes multiple instances of accounts and credit products opened under my name and variations/aliases of my identity being used without authorization. In multiple cases, including XXXX already acknowledged as fraudulent by TransUnion, these accounts were still initially reported and only corrected after dispute intervention. Even after disputes, there have been attempts to reclassify, reprocess, or maintain reporting in ways inconsistent with confirmed fraud findings. My identity, including variations of my name, is directly part of what is being disputed. At this point, I am done with repeated back-and-forth. These are fraudulent accounts, fraudulent charges, and identity misuse and they need to be treated as such. I am documenting everything for legal escalation, including potential civil action and broader action if necessary against any entities continuing to mishandle or ignore verified fraud disputes. From here forward, I am formally requesting investigation into potential violations of my consumer and financial rights, including but not limited to FCRA, FCBA, EFTA/Regulation E, TILA/Regulation Z, UDAAP, identity theft mishandling, failure to conduct reasonable investigations, failure to correct inaccurate information, negligent reinvestigation, and improper reporting or maintenance of fraudulent accounts. I am not going back and forth anymore. I have already submitted formal disputes and supporting documentation through credit bureau channels. Any verification tied to prior fraud reporting must be obtained directly from the FTC, as I do not have copies of those records. To the best of my recollection, this occurred iXXXX XXXX XXXX XXXX after that Im giving estimates it couldve been months before or after ; reference the FTC, as they have a complaint on file and maintain identity theft filings ). This was submitted under the associated contact email ( XXXX ) on file at the time through their system. I have already provided all available information through multiple dispute channels over an extended period. Any additional detail would be in the FTC report, which I do not have access to or a copy of. This is everything I have. I can not provide additional information beyond whats already included. Continued requests for documentation I do not possess will not change the facts. That is my final position on the matter. At all transparency, unlike before, after this letter is sent if I continue to have these items reported, I will continue with my current actions : 1. Continuing interviews and onboarding with two Orlando civil litigation attorneys pursuing contingency representation for consumer and identity theft claims. 2. Continuing aggregation of patterns and reporting behavior through a network and digital media efforts to identify systemic issues involving companies and how protections under FCRA, FCBA, EFTA, and Regulation Z are being applied or delayed. 3. I will not payeverany debt that is not mine, especially fraudulently opened accounts. I will continue disputing indefinitely and escalate through legal channels as needed. Ive been fully transparent, including prior FTC reporting and repeated dispute filings. Im now consolidating this through formal legal review, not repetitive cycles or delayed requests for information already provided or not in my possession.

Company response to consumer: Closed with explanation