Consumer complaint received 2025-03-31 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: MD

Complaint narrative:
Re : Complaint Regarding Incorrect Debt Reporting and Overcharges by Columbia Debt Recovery LLC, XXXX XXXX XXXX, and XXXX XXXX XXXX ( XXXX ) Dear Sir/Madam, I am writing to formally file a complaint against Columbia Debt Recovery LLC , doing business as XXXX XXXX XXXX XXXX and the original creditor, XXXX XXXX XXXX XXXX XXXX ), for ongoing inaccuracies regarding a debt that has been reported on my credit report. 
Despite multiple attempts to resolve these issues directly with both companies, I have not received satisfactory responses. 

Summary of the Dispute : The debt in question relates to a balance with XXXX XXXX XXXX for rent and associated charges. I have been disputing charges related to this debt, including discrepancies in rent amounts, late fees, and voluntary buyout fees that were incorrectly added. 

The original balance of $ XXXX has been lowered, but I believe it still includes incorrect charges and overpayments. I have already made payments totaling {$4600.00} towards this debt and believe I have overpaid by {$2500.00}, based on the inaccurate charges. 

XXXX and Columbia Reporting as Separate Entities : Both XXXX XXXX XXXX and Columbia Debt Recovery LLC appear separately on my XXXX credit report, even though they are the same company. This reporting is misleading and has caused unnecessary confusion and complications, especially since both companies report the same debt. 
This has resulted in denials of rental applications for my wife and I, as the inaccurate reporting has significantly harmed our credit rating. 

Attempts to Resolve : I have sent Transparency and Debt Validation Letters to both Columbia Debt Recovery and XXXX XXXX XXXX requesting verification of the debt and removal of the inaccurate charges from my credit report. 

Additionally, I have submitted dispute letters to all three major credit bureaus, requesting the removal of these debts from my XXXX report due to the inaccuracies. 

Despite these efforts, both companies still appear on my XXXX credit report, and their failure to correct these errors has severely affected my credit standing, making it difficult for my wife and me to secure rental properties. 

Request for Action : I am requesting that the CFPB investigate this matter and facilitate the correction of the inaccurate debt reporting on my credit report.

I request that Columbia Debt Recovery and XXXX XXXX XXXX be instructed to remove these items from my credit report. 

I also request a refund of {$2500.00} for the overpayment made due to discrepancies in the charges. 

I have attached all relevant documents, including payment history, original statements, dispute letters, and correspondence with the companies involved. Please let me know if you need any additional information to process this complaint. 

You'll notice how the screenshots of amounts owed keep changing and we ask why that is. 

They lowered the amount initially realizing they had made mistakes, but then we realized we overpaid. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief