Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am writing to file a formal complaint against Genesis Credit Management aka Columbia Debt Recovery for failing to properly investigate and address inaccuracies on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

The company has failed to exercise due diligence in investigating the accuracy and completeness of the following accounts, resulting in inaccurate and misleading information being reported. Under the FCRA, specifically Section 1681i ( Duties of consumer reporting agencies ) and Section 1681e ( b ) ( Accuracy of reports ), XXXX is required to ensure the accuracy of the information it reports and investigate disputed information thoroughly. 

Despite my formal request through my previous complaint for an investigation into the below-listed accounts, the company has not taken appropriate steps to verify the debt, the ownership of the debt, or the chain of authority of the debt. 

This failure is not only a violation of the FCRA, but it also follows a troubling pattern of improper investigations, as recently highlighted in a lawsuit where the CFPB took action against XXXX for similar violations, leading to consumers experiencing denials in housing, employment, and loans. 

The following three accounts on my three credit reports, reported under different names, are incorrect, and I request immediate removal of these accounts from my credit file : Genesis Credit Management - XXXX XXXX XXXX in the amount of {$300.00}, which is incorrectly marked as past due. Account Number : XXXX Genesis Credit Management XXXX XXXX XXXX in the amount of {$5500.00}, which is incorrectly marked as past due. Account Number : XXXX Genesis Credit Management - XXXX XXXXXXXX in the amount of {$4400.00}, which is incorrectly marked as past due. Account Number : Under FCRA Section 1681i, the company is required to investigate the accuracy of the information provided in these accounts, yet no reasonable effort was made to do so. Furthermore, FCRA Section 1681e ( b ) mandates that the company must maintain accurate and complete information on my credit report. The continued inaccurate reporting of these accounts has significantly harmed my creditworthiness, affecting my ability to secure housing, employment, and loans. 

This is an ongoing violation of my consumer rights under the FCRA. It is also worth noting that XXXX, XXXX, and XXXX, has recently been involved in lawsuits regarding improper investigations of consumer credit information, as demonstrated by the CFPBs legal action against XXXX for failing to adequately investigate consumer disputes. This situation has led to widespread consumer harm, including wrongful denials of housing and loans, as well as damages to consumers ' ability to obtain employment.

Given the failure to properly investigate and correct these inaccuracies, I am requesting that Genesis Credit/Columbia Debt Recovery immediately remove the above three accounts from my credit files to comply with the FCRA and to prevent further harm to my credit standing. 

I urgently ask that the Consumer Financial Protection Bureau ( CFPB ) take the necessary steps to ensure that XXXX adheres to the laws in place to protect consumers and promptly corrects these inaccuracies on my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation