Consumer complaint received 2025-01-24 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: MD

Complaint narrative:
I am filing this complaint regarding an identity theft dispute with XXXX XXXX XXXX XXXX and XXXX. Despite multiple attempts to request validation of the alleged debt and follow proper dispute procedures, I have not received the required documentation, and XXXX has improperly verified this fraudulent account. 

XXXX of Events : XXXX. Initial Contact with CFPB : I initially reached out to the CFPB regarding a fraudulent account appearing on my credit report. 
The company responded with general instructions on how to dispute the account. 
XXXX. Following Instructions & Lack of XXXX : I emailed the company on XX/XX/XXXX, per their instructions, requesting proper validation of the alleged debt. 
I never received a response. 
XXXX. Certified Mail Request : I sent a certified letter to the company on XX/XX/XXXX, which they received on XX/XX/XXXX. 
My letter requested competent evidence validating the alleged debt, including : A copy of the original contract or purchase agreement that created this alleged debt, including all terms, conditions, addendums, and riders. 
Proof of chain of ownership from the original creditor to the current alleged owner. 
A full accounting history from the original creditor, including all payments, the date of first delinquency, and any fees or interest added ( with proof of lawfulness ). 
Proof of legal authority to collect this debt in my state. 
Proof that legally required notices were sent to me before reporting this alleged debt to consumer reporting agencies. This includes copies of the original notice and any internal letter tracking. ( FTC v. XXXX XXXX XXXX establishes that debt parking without proper notice violates consumer rights. ) Instead of providing the requested documentation, the company only sent a ledger and a fraudulent lease, which do not constitute proper validation. 
XXXX. Dispute with XXXX & Improper Verification : I disputed this fraudulent account with XXXX on XX/XX/XXXX. 
The company responded by verifying the account without providing any of the legally required documentation. 
XXXX has refused to explain how they verified this debt, even after I confirmed that this is a case of identity theft. 

Issues & Request for Resolution : The company has failed to provide competent evidence validating the alleged debt, despite multiple formal requests. 
XXXX has improperly verified this fraudulent account without conducting a proper investigation. 
The companys actions, including failure to provide required notices, XXXX constitute violations of consumer protection laws ( including debt parking as addressed in FTC XXXX XXXX XXXX XXXX ). 
This fraudulent account is negatively impacting my credit, and I need it removed immediately. 

Requested Action : I request that the CFPB : XXXX. Investigate the companys failure to provide legally required validation of the alleged debt. 
XXXX. Require XXXX to provide documentation supporting their verification process. 
XXXX. Ensure that this fraudulent account is permanently removed from my credit report. 
XXXX. Determine whether the companys actions violate consumer protection laws and take appropriate enforcement action. 

I have attached supporting documentation, including email records, certified mail receipts, and dispute filings.

Company response to consumer: Closed with explanation