Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX Dc XXXX XXXX CFPB COMPLAINT / FORMAL NOTICE OF FCRA VIOLATIONS To : XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX : Fraudulent Collection Account Account # XXXXXXXX XXXX XXXX To Whom It May Concern : I am formally disputing the fraudulent collection account your company is reporting to the consumer reporting agencies regarding account number XXXX XXXX XXXX, allegedly connected to XXXX XXXXXXXX XXXX. I have no contractual relationship with your company or the alleged original creditor, and I dispute this account in its entirety. This account appears to have resulted from unauthorized use of my personal information following a data breach and identity theft exposure involving my consumer data. Despite prior disputes, your company continues reporting inaccurate and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ). The following reporting is inaccurate, misleading, and legally defective : * Reporting a derogatory collection account without competent evidence of ownership or liability; * Reporting inconsistent account information including a balance of {$860.00} while listing a High Credit of {$750.00} ; * Failing to provide a complete chain of assignment and signed contractual obligation; * Continuing collection reporting after notice of fraud and identity theft concerns; * Reporting information that can not be independently verified pursuant to 15 U.S.C. 1681i ; * Furnishing misleading payment status data and derogatory remarks that damage my credit reputation. Under 15 U.S.C. 1681s-2 ( a ), furnishers are prohibited from reporting information they know or should know is inaccurate. Additionally, pursuant to 15 U.S.C. 1681e ( b ) and 1681i ( a ), consumer reporting agencies and furnishers must maintain reasonable procedures to ensure maximum possible accuracy and conduct lawful investigations upon notice of dispute. Merely stating Account information disputed by consumer, meets FCRA requirements does not satisfy your legal obligations under federal law. An automated or superficial investigation is not considered a reasonable investigation under the FCRA or XXXX XXXX compliance standards. Accordingly, I demand the following : 1. Immediate deletion of this collection account from all consumer reporting agencies ; 2. Copies of all documents bearing my signature establishing liability ; 3. Complete accounting records and chain of assignment from the alleged original creditor ; 4. Proof of permissible purpose under 15 U.S.C. 1681b ; 5. Method of verification used to validate this account ; 6. Name and address of every party who furnished or verified this information. If you can not produce competent documentary evidence validating this debt, you must immediately cease reporting and request deletion from : * XXXX XXXX XXXX XXXX XXXX Failure to comply will result in escalation through formal complaints with the : * Consumer Financial Protection Bureau * Federal Trade Commission * State Attorney Generals Office Your continued reporting of disputed and fraudulent information after notice constitutes willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o, exposing your company to civil liability for damages, attorney fees, and additional remedies available under federal law. Govern yourselves accordingly. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation