Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Columbia Debt Recovery/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : FORMAL DEMAND FOR DEBT VALIDATION PURSUANT TO FDCPA, FCRA , UCC , GLBA, AND FEDERAL LAW ; Alleged Account No : Consumer : [ XXXX XXXX XXXX ] last 4 SSN : [ XXXX ] NOTICE & RESERVATION OF RIGHTS This is a request for validation and verification under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C . 1692g ( b ) ), a notice of dispute and accuracy obligations under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), and a request for information consistent with Regulation F ( 12 C.F.R. Part 1006 ), Regulation V ( 12 C.F.R. Part 1022 ), the Uniform Commercial Code ( UCC 9-208, to the extent applicable ), and the GrammLeachBliley Act ( GLBA, 15 U.S.C. 6802 ). I dispute the above-referenced account in its entirety and request full validation. This is not a refusal to pay ; it is a request for proof.

Pending validation, you must cease all collection activity as required by 15 U.S.C.

1692g ( b ). Please direct all communications in writing only to the address above.

Telephone contact is not authorized.

DEMAND FOR FULL DEBT VALIDATION ( FDCPA, 15 U.S.C. 1692g ( b ) ) Provide the following in a complete response : 1. Proof of Ownership & amp ; Right to Collect A certified copy of the original contract or account agreement bearing my signature.

Chain of title/assignment from the original creditor to your entity, including dates and consideration.

A statement identifying your capacity ( debt collector vs. creditor ) and your authority to collect in my state ( licenses/registrations where required ).

2. Itemized Accounting A complete itemization showing principal, interest, fees, and any other charges added to the account from inception to present.

The transaction/payment history and a clear explanation of how any interest/fees were calculated under the original agreement.

3. UCC 9-208 ( if a security interest is asserted ). If you claim any security interest or lien, provide an authenticated record evidencing such interest, including the collateral description and current payoff. If no security interest exists, please state so explicitly.

CREDIT REPORTING ACCURACY ( FCRA ) If you are furnishing data on this account to Equifax, Experian, TransUnion, or any specialty/secondary reporting agency : Confirm your permissible purpose to obtain and furnish my consumer report ( 15 U.S.C. 1681b ).

Conduct a reasonable investigation of this dispute and either correct or delete any information that is inaccurate, incomplete, or unverifiable.

Provide me a written update identifying the bureaus notified and the precise changes made ( or the basis for any continued reporting ).

PRIVACY & amp ; DATA-SHARING ( GLBA, 15 U.S.C. 6802 ) Please provide : Your current privacy notice and a description of how you obtained my personal information, including the source ( s ) and any third parties with whom it has been shared.

The legal basis and any consent relied upon to obtain, use, or disclose my non-public personal information.

Confirmation that you maintain appropriate safeguards to protect my data.

CONDUCT OF COLLECTION You are reminded that coercive, misleading, or deceptive collection conduct is prohibited by federal law. Any misrepresentation, threat, or unauthorized practice will be documented and addressed through the appropriate regulatory and legal channels.

REQUIRED ACTIONS & amp ; DEADLINES Within 30 days of receipt of this letter, please : 1. Provide full validation as requested above and suspend all collection until completed.

2. If you can not validate, then : Cease all collection permanently ; Delete any tradeline ( s ) related to this account from all consumer reporting agencies ; and Send written confirmation that the account has been withdrawn, deleted, and closed with no further collection attempts.

3. Provide the privacy/data-sharing disclosures requested in Section III.

NON-COMPLIANCE If you fail to comply, I will consider appropriate action, including complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the [ Your State ] Attorney General, andif warrantedpursuit of remedies available under the FDCPA ( 15 U.S.C. 1692k ) and FCRA ( 15 U.S.C. 1681n, 1681o ), among other laws. All rights and remedies are expressly reserved.

Please send your response to the address listed above. Thank you for your prompt attention. 
Sincerely, XXXX XXXX XXXX Enclosures ( copies ) : Government ID ; Proof of address ; Any supporting documents ( statements, screenshots, police/FTC report if applicable ) cc : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) [ State ] Attorney General, Consumer Protection Division [ Original Creditor ], if different from addressee

Company response to consumer: Closed with explanation