Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I repeatedly requested proper documentation and validation regarding the alleged XXXX GENESIS account reporting as : XXXX GENESIS ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) Account ending in XXXX Balance : {$5300.00} Despite my repeated requests, I still have not received proper documentation validating this alleged debt, proof of ownership, lease agreements, accounting records, move-out statements, complete payment history, or lawful authority to collect and report this account. Documents attached. I also never received an initial notice regarding this alleged debt before it appeared on my credit report. This appears to be a repeated issue with this company and is heavily discussed online by consumers experiencing the exact same behavior from XXXX GENESIS. Instead of providing proper validation, XXXX GENESIS continues reporting contradictory and inconsistent information across all three credit bureaus. The reporting discrepancies include : Different opened dates depending on the bureau Different Date Last Active reporting depending on the bureau Contradictory reporting timelines Ongoing reporting despite failure to validate the debt Generic responses instead of actual documentation XXXX reports : Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX reports : Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX reports : Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX The same alleged debt can not lawfully have multiple different opened dates and conflicting activity dates depending on which bureau is reporting it. Documents attached. Additionally, XXXX GENESIS continues updating and furnishing this account monthly while still failing to provide proper validation directly to me despite repeated requests. At this point, I am seriously questioning who actually verified this account with the credit bureaus because XXXX GENESIS will not even provide the documentation directly to me. I am requesting proof of : The original lease agreement Itemized accounting records Complete payment ledger Proof of ownership or assignment The date the account was placed for collection The method of verification used by each bureau The name of the party who verified the account All documents relied upon to report this debt Proof that the balance of {$5300.00} is accurate Proof that XXXX GENESIS has lawful authority to collect and report this account I have also filed : FTC complaint Attorney General complaint XXXX XXXX XXXX complaint because of XXXX GENESIS repeatedly failing to provide proper validation and documentation of this alleged debt. And before XXXX GENESIS responds claiming I used improper channels to request validation, I want it documented that I repeatedly requested validation directly and repeatedly disputed the account. At this point, I highly recommend XXXX GENESIS do a simple XXXX search to understand what proper documentation and validation of a debt actually means because consumers are legally entitled to request this information. CFPB, I am requesting a deep investigation into XXXX GENESIS and the credit bureaus regarding this reporting and the repeated use of generic responses instead of actual investigations and validation.

Company response to consumer: Closed with explanation