Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am writing to formally dispute two conflicting and inaccurate debt collection accounts being reported on my credit file by both Columbia Debt Recovery, LLC and Genesis Credit Management , LLC. Both accounts are related to the same alleged debt but show conflicting amounts, identities, and reporting remarks. This raises serious legal concerns and clear violations of federal law. 

Columbia Debt Recovery , LLC is reporting a collection account with a balance of {$16000.00}, showing an open date of XX/XX/XXXX, and most recently updated on XX/XX/XXXX. This account falsely lists Columbia Debt Recovery as the original creditor, and includes the remark, Account previously in dispute now resolved by data furnisher. 

Genesis Credit Management , LLC is also reporting a collection account for the same debt with a balance of {$16000.00}, opened on XX/XX/XXXX, and last reported on XX/XX/XXXX. It too falsely lists Genesis Credit Management as the original creditor. The remarks on this account state, Placed for collection, and twice, Dispute resolved reported by grantor. 

It is impossible for both Columbia Debt Recovery and Genesis Credit Management to be the original creditor of the same account, especially when the balances and remarks differ. These discrepancies indicate potential duplicate reporting, re-selling of the debt, or inaccurate furnishing of information all of which violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under the FCRA, you are required by law to report only accurate and verifiable information ( Section 1681s-2 ( a ) ) and to investigate and correct any disputed information ( Section XXXX ( b ) ). Altering or re-aging account dates to make debts appear newer than they are is prohibited under Section XXXX. Under the FDCPA, you are required to stop collection efforts and provide validation when a debt is disputed in writing ( Section XXXX ( b ) ). XXXX yourselves as the original creditor when you are a third-party collection agency is a deceptive practice and violates XXXX XXXX. Using unfair or misleading methods to collect a debt is also prohibited under Section XXXX. 

I hereby demand that both XXXX XXXX XXXX, XXXX and Genesis Credit Management , LLC provide full and complete validation of this debt within XXXX calendar days of receipt of this letter. Validation must include : a copy of the original signed agreement or lease that proves I am legally obligated to pay this debt ; a detailed, itemized breakdown of the charges and balance ; legal documentation showing your right to collect this debt, such as assignment or transfer from the true original creditor ; and the correct date of first delinquency used in credit reporting. 

If you are unable to fully validate this account within 15 days, I demand that you immediately delete the collection accounts from all credit bureaus, including TransUnion, Experian, and Equifax, and cease all collection activity permanently. Continuing to report unverified or inaccurate information will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. I will also pursue legal action for statutory damages and actual harm caused by the violations under the FCRA and FDCPA. 

This letter is a formal dispute and debt validation request under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ) and the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ). Telephone contact is not authorized. Please respond in writing only to the mailing address listed above.

Company response to consumer: Closed with explanation