Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
CFPB Complaint Complainant : XXXX XXXX XXXX To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Against Columbia Debt Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations Summary of Complaint : I am filing this complaint against Columbia Debt Recovery XXXX XXXX XXXX collection account they are reporting under Account # XXXX, originally listed by XXXX The Orchard for an alleged amount of {$24000.00}. 
On XX/XX/year>, I filed a dispute with all three major credit reporting agencies ( Experian, TransUnion, and Equifax ), challenging the accuracy and validity of this collection account. Despite my detailed request for verification, this account was marked as verified without any supporting documentation being provided. 
I subsequently contacted Columbia Debt Recovery Genes directly and requested proper validation as required under 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681i ( FCRA ). To date, no response or documentation has been received. 

Violations and Issues : 1. Failure to Validate Debt : The agency has not produced any original signed contract, chain of custody, or proof of ownership of the debt as required under the FDCPA.

2. Improper Verification of Information : The credit bureaus verified the account without providing any evidence of the method or source used to verify it, in violation of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 
XXXX. Continued Reporting Without Validation : The agency continues to report and collect on this unverified account, which constitutes ongoing damage to my credit and a direct violation of the FDCPA and FCRA. 
XXXX. Lack of Transparency and Due Process : Columbia Debt Recovery XXXX has failed to provide the original creditor contract bearing my signature, itemized breakdown of the alleged balance, or proof of legal right to collect in the state of California. 

Relief Requested : I am requesting that the CFPB investigate Columbia Debt Recovery XXXX for repeated violations of federal consumer protection laws and compel them to : Provide full validation and documentation of the alleged debt, including the original signed contract and payment history. 
Cease all collection activity and reporting until proper validation is produced. 
Delete the account from all consumer credit reports if no valid proof is provided. 
Impose penalties and sanctions for their continued noncompliance. 
As of this filing, I have also initiated the process of filing a civil lawsuit for violations of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act due to their willful negligence and failure to comply with the law. 

Attached Supporting Documents ( recommended to upload when filing ) : Copy of the original dispute letter ( dated XX/XX/year> ) Current credit report showing the verified account The follow-up validation demand letter sent to Columbia Debt Recovery Genes Proof of no response or correspondence

Company response to consumer: Closed with explanation