Consumer complaint received 2025-01-16 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 formally file a complaint against Columbia Debt Recovery DBA Genesis for failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically concerning the accuracy of information reported on my credit report. 

This company is reporting a debt that does not belong to me AND altered documents sent over to me. The creditor is reporting a debt to the credit agencys for apt number  XXXX, the documents they submitted has apt XXXX listed, that apt number has not belonged to me. I forwarded the company a copy of my lease with the correct address. When they responded they sent copies of documents with the apt number removed. My question now is validity You are KNOWINGLY reporting FALSE inforamation. I request full investigation I request copies of dcouments submitted to CFPB UNALTERED with apt number that you are reporting, that informtion MUST match that of my lease and if it does not that is deemed incorrect and a violation of FCRA I plan to file complaint with Attorney General and FTC as well I am sseking CFPB intervetnion becasue Despite my repeated efforts to resolve these issues, the inaccuracies persist, leading me to seek your intervention. Details of Complaint : Inaccurate Reporting of Account with XXXX at XXXX XXXX : The account with XXXX at XXXX XXXX is being reported on my credit report with incorrect information. I am not acknowledging this debt, and I have reached out to the original creditor. The address and apartment number listed on the lease are incorrect, yet the information continues to be reported to the credit bureaus in its inaccurate form. I have sent letters to request the correction, but Genesis has not taken any corrective action. This violates my rights under the FCRA as the information being reported is neither fair nor accurate. Additionally, Genesis has made excessive and repeated phone calls regarding this account, which violates the Fair Debt Collection Practices Act ( FDCPA ), as these calls are designed to harass and annoy me. The frequency of the calls, within a short period, adds to the distress caused by the inaccurate reporting. Inconsistent Reporting : Upon further inquiry, I received a copy of the lease associated with this account. The apartment number and address listed on the lease do not match what is being reported to the credit bureaus. The discrepancy between the address on the lease and the address being reported raises concerns about the integrity of Genesiss reporting and investigation practices. This situation has caused significant harm to my credit profile and my overall financial well-being. The failure to correct these inaccuracies has resulted in undue stress and financial repercussions for me. Requested Resolution : I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation into this matter and provide me with the results. In addition, I seek compensation for the financial losses and distress I have experienced as a result of this inaccurate reporting and Genesiss mishandling of my account. I also ask that a fine be assessed for their violation of the FCRAs fair reporting requirements and the FDCPAs restrictions on excessive phone calls per call log I appreciate your attention to this matter and look forward to your prompt response. Should you require any additional information or documentation to assist with the investigation, please do not hesitate to contact me. Thank you for your time and consideration.

Company response to consumer: Closed with explanation