Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AR

Complaint narrative:
I am filing this formal complaint against Columbia Debt Recovery, LLC DBA Genesis for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) and ( b ). Columbia must report only accurate information and conduct reasonable investigations after disputes. Columbia Debt Recovery is reporting a collection tradeline on my XXXX XXXX XXXX credit reports ( Account # XXXX / ending in XXXX ). This tradeline contains materially inaccurate, inconsistent, contradictory, and unverifiable information. Evidence of inaccuracy and prior deletion : The identical tradeline does not appear on my current TransUnion report. I have attached a screenshot of my TransUnion Accounts with Adverse Information section showing no Columbia entry. I previously disputed this tradeline with TransUnion, stating the underlying debt was paid in full via cashiers check to the original apartment complex XXXX years ago. The apartment company had recorded the payment. TransUnion investigated and permanently deleted the tradeline. I later contacted the apartment complex multiple times for payment records, but they were unable to provide them. Specific inaccuracies reported on XXXX and XXXX ( as of XX/XX/XXXX ) : XXXX. Conflicting Original Debt Amounts Both bureaus report an Original Amount Owed/ Original Balance of {$6900.00}. Columbia has previously reported three different original amounts for this same account : {$6000.00}, {$7000.00}, and {$8000.00}. These contradictions make the debt impossible to verify. XXXX. Inflated Current Balance Both bureaus show a Current Balance of {$8800.00} ( as of XX/XX/XXXX ). XXXX balance history shows the balance increasing over time with no payments applied and no explanation for the growth from the reported {$6900.00} original amount. XXXX. Impossible Date Information XXXX reports Date Opened : XX/XX/XXXX. Equifax reports Date Assigned : XX/XX/XXXX and Date of First Delinquency : XX/XX/XXXX. The XX/XX/XXXX delinquency date is impossible it predates the assignment/open date by nearly XXXX months. XXXX. Other Inconsistencies Equifax lists Creditor Classification as RENTAL_OR_LEASING, which differs from Experian. Original Creditor is listed as XXXX XXXX ( with variations such as H BLUFF ). Status on both : UNPAID collection account with {$8800.00} past due. XXXX. Failure to Investigate Equifax notes : CONSUMER DISPUTES THIS ACCOUNT INFORMATION. Experian marks the account UNDER DISPUTE. Prior disputes did not result in corrections. XXXX has a pattern of reporting unverifiable debts. By continuing to furnish this tradeline with logical contradictions, conflicting amounts, an inflated balance, and impossible dates despite the XXXX deletion Columbia is violating the FCRA. Unverifiable information must be deleted. Requested Relief : Immediate investigation by Columbia and the credit bureaus. Permanent deletion of the entire unverifiable tradeline from XXXX and XXXX. Written confirmation once deletions are complete on all reports. An order that Columbia cease further negative or inaccurate reporting of this account. This inaccurate reporting is harming my credit. Given the clear unverifiability, the prior TransUnion deletion, and Columbias reporting pattern, I request the CFPB treat this as a high-priority FCRA matter and require full deletion from the remaining bureaus. Thank you for your assistance. Kind Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation