Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/01/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	ID 83714	Web
The following was submitted to Genesis. To Whom It May Concern : This letter is to inform you that you are in violation of the Fair Debt Collection Practice Act and to seek an acceptable resolution. On Wednesday XX/XX/2020 I spoke with XXXX XXXX. During our calls I frequently disputed the amount of the debt claiming that there was an additional pet deposit that was not applied to the move out charges. I claimed that I could get proof of this payment as there was no record from the original creditor of it. At the end of our call XXXX stated that he was marking the account as disputed but not for the amount but a refusal to pay and to have fun when it hits my credit. No matter how you proceed with this collection, XXXX claim is a direct violation of the Fair Debt Collection Practice Act. If the account hits my credit, then you are in direct violation of FDCPA Sub Section 806. Harassment and Abuse. Per this subsection A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or If this amount is posted to my credit it is a direct violation of this clause as I have stated that I can prove the amount is not correct, see the enclosed statement showing the two initial payments, the second of which was not reported to you by the original creditor per XXXX. If you do not report this item or this amount to the credit reporting bureaus you are again in direct violation of this same subsection of the FDCPA as follows : ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. If this is not reported to the credit reporting agencies, then a threat was made to report it but not intended. Per the FDCPA I am allowed to seek legal damages up to {$1000.00} for this violation. As the amount of the debt is less than the amount that I am allowed to seek, an acceptable resolution to this is to waive the debt upon receipt of this letter and remove any reporting to credit agencies that may happen in the time before you receive this letter. If this resolution does not meet you satisfaction I will seek the legal damages of {$1000.00} for the reporting to my account, and my wife ( the co-occupant of the property and co-party to the debt ) will also seek damages for {$1000.00}. I have also filed a complaint with the Consumer Financial Protection Bureau. Below is the subsection of the FDCPA that your agents actions violate : Sincerely, XXXX XXXX XXXX. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) 1 Fair Debt Collection Practices Act The official website of the Federal Trade Commission, protecting Americas consumers for over 100 years. of this title. ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. ( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the caller 's identity. 15 USC 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to -- ( A ) lose any claim or defense to payment of the debt ; or ( B ) become subject to any practice prohibited by this subchapter. ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. ( 13 ) The false representation or implication that documents are legal process. ( 14 ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. ( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer. ( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.
08/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 705XX	Web
My name is XXXX XXXX and I am a natural human. I have filed this vase based on my belief based on research. XXXX. ( FACT ) The following entities listed below have and continue to violate the Federal laws, that have grant me, by the Fair Credit Reporting Act and Fair Debt Collection Practices. I have dealt in good faith to this present and to no avail. The following entities have refuse to correct the blatant and obvious errors on my credit report, as required by the following Federal 15 USC codes : XXXX, XXXX, XXXX ( XXXX XXXX XXXX XXXX ), XXXX XXXX, XXXX and XXXX XXXX XXXX. ( FACT ) 1681 ( a ) ( XXXX ) & B1681b ( a ) ( XXXX ) Accuracy and fairness of credit reporting There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ( FACT ) 1681b ( a ) ( XXXX ) ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. XXXX. ( FACT ) 1681i ( XXXX ) ( A ) & ( B ) ( XXXX ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the Affidavit Page XXXX of XXXX established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. XXXX. ( FACT ) 1681i ( XXXX ) ( B ) ( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ). XXXX. ( FACT ) 1681c ( a ) & ( XXXX ) ( a ) INFORMATION EXCLUDED FROM CONSUMER REPORTS Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( XXXX ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. XXXX. ( FACT ) 1681s-XXXX ( a ) ( b ) ( i ) ( ii ) ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. XXXX. ( FACT ) 1692b XXXX XXXX XXXX XXXX XXXX XXXX Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall XXXX ) not state that such consumer owes any debt ; ( XXXX ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The Debt collector verbiage is offensive to me and makes me very upset and Affidavit Page 3 of 5 drives my XXXX XXXX up.. I am offended that this debt hasnt been removed and I have received documents that are clearly altered and edited. In my belief and based on documents I received. XXXX. ( FACT ) 1692C ( A ) ( A ) COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of a Debt. XXXX. ( FACT ) 1692D ( XXXX ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. The language is offensive, Debt Collector, balance amount due are very offensive, when my request for a investigation and validation has not been conducted as set forth by Federal law. The entities have oppressed my financially and harmed my quality of life. I feel worried and depressed when I check the mail or every time my phone rings. They have continuously abused my rights for over a year now, by not correcting the errors that I have documented time and time again. The financial hardship and XXXX created by the continuous certified mailing to all parties involved. The cost of these mailings has a large financial commitment attached to them. XXXX. ( FACT ) 1681n ( a ) ( XXXX ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than $ XXXXAffidavit Page 4 of 5 XXXX. ( FACT ) Improper investigation and/or no investigation conducted as prescribed by the following terms of investigation. 1681 ( a ) ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. All entities involved have stated several times that the account ( s ) have been verified, validated and investigated. Yet based on the credit reports, all data must be XXXX percent accurate or be removed. The credit reports differ and has information between all 3 reports, that are completely different. ( Drastically different ) See attached credit report.
05/21/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CO 802XX	Web
XX/XX/XXXX Re : Move out fees and fraudulent debt information reported about me to credit reporting companies. Responsible parties XXXX XXXX XXXX XXXX/XXXX XXXX & Genesis Credit Management. I have been going back and forth with Columbia Debt Recovery LLC/Genesis Credit Management and XXXX XXXX XXXX to ensure the last bill of my occupancy at XXXX XXXX XXXX is resolved. I am very upset about this situation and how XXXX handled my account. Reason for reporting a complaint : XXXX XXXX XXXX managed by XXXX located at XXXX XXXX XXXX XXXX - XXXX, CA XXXX - Phone : ( XXXX ) XXXX, submitted my move out account to collections without sending me an email, calling my phone or providing me with a final bill at the time of the move or within the 30 days required. During my lease with the company, I had been enrolled in paperless billing, so I was expecting the final bill via email. They had submitted every statement via email during the duration of my occupancy of the apartment unit. For a final bill, instead XXXX XXXX XXXX sent me to collections and provided incorrect and false information regarding my debt. Below is a detailed explanation of what happened : A Manager of XXXX XXXX XXXX Apartments in XXXX, CA under XXXX XXXX management, submitted my name and information to collections for the amount of {$6600.00}. The collections company Genesis Credit Management did not call me to inform me or attempted to collect this debt before sending it to the credit reporting companies. I checked my credit report because I subscribe to monitoring services and noticed a substantial drop of my score. I asked Genesis, why they had not called me? and they stated that the manager at XXXX XXXX XXXXXXXX XXXX XXXX said that they had no information to contact me. Imagine that, I lived there for 3 years and 8 months and they did not have my email, my phone number, the address to which I moved and even my work address information. The debt reported caused a substantial drop of my credit score. I disputed with the credit reporting companies XXXX, XXXX & XXXX and they stated the debt is valid according to the information provided by XXXX XXXX XXXX. The information provided to the reporting companies is false and I have been unable to obtain a resolution. I am looking for a resolution and help from CFPB. Attempts at resolution and debt dispute with XXXX XXXX XXXX and Genesis Credit Management : I called Genesis Credit Management to dispute and understand the charges. They stated I had broken my lease early and {$6600.00} was what I owed. I disputed this information because I knew that I had not signed the lease renewal in XX/XX/XXXX. At that time, I had many questions regarding the fees and had email XXXX XXXX, but they did not respond to my emails. I checked the portal XXXX XXXX for my lease during the summer of XXXX and the lease was not there. Since there was no lease, I provided my move out notice XX/XX/XXXX with the sufficient 30 days required as per the law, due to Covid reasons and a family emergency. I moved out on XX/XX/XXXX. I called XXXX Apts and asked why was my information provided to a collections company without being respectful and reaching to me after 3 years and 8 months living in the apt . I emailed and asked for a copy of the lease. They did not provide it or respond to my email. I called and asked Genesis Credit Management, why wasnt the existence of a lease not verified? Genesis Credit Management sent me an updated bill via email and adjusted to the amount {$740.00} which includes the cost for painting. I proceeded to challenge the painting cost providing pictures of the apartment where the apt was left in good condition. As per California law, I am not responsible for painting after living in an apartment for 2 years. I challenged XXXX XXXX Apartments and sent an email for documentation purposes. I requested an update to my bill regarding the painting charges, but they have failed to respond. I stated the following via email. According to the Department of housing authority in California, a tenant is not responsible for normal wear and tear to the walls and floor. Normal wear and tear which is defined as moderate scuffs, marks, nicks, light stains or spotting. When the walls and carpet reflect damage beyond normal wear and tear, tenants become responsible because it is considered damage. Painted walls are expected to have a useful life of two to three years, according to California landlord-tenant guidelines. Under these guidelines, a tenant who has lived in a rental unit longer than two years would not be charged for the cost of repainting for normal wear and tear. This falls under the responsibility of XXXX/XXXX. I lived in the apartment for 3 years and 8 months. Charging me for this is violating the law. I never even hanged a picture, which is evident by the pictures attached. Also note the dates of the pictures. Also please see attached California rental guidelines page XXXX. After two years there should be no deduction for painting. Please review the history of my occupancy at XXXX. I was there longer than 3 years I should not be responsible for the painting of a property. XXXX XXXX XXXX under XXXX XXXX XXXX has ruined my life by sending me to collections, which has caused a huge drop in my score. I paid my rent-on time, for 3 years 8 months and they did not even have the respect to reach out to me via phone or email when they had that information to resolve the final bill. Genesis Credit Management has left a fraudulent amount in my credit report even though I have disputed it with XXXX, XXXX, XXXX. These reporting companies have allowed false information and parked debt. Neither party has removed this false information from my credit report even after filing a dispute with each credit reporting company. The credit reporting companies have stated that the information is valid only because a collection company has stated that is valid without allowing me to prove it wrong. They asked me to file a complaint with the FTC and CFPB. This is absolutely disrespectful, and I need a resolution. I feel unable to resolve the situation. My credit is ruined and the information on the file is incorrect. XXXX XXXX XXXX XXXX XXXX XXXX XXXX have parked false debt in my credit report. They have left and stated false debt ant the information has not been updated on my file. I offered to settle for the amount of the rug and the cleaning bill, minus the painting costs and they have not responded to my request. Please help me to resolve this. I am attaching documentation to substantiate my case. Thanks,
11/18/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NH 030XX	Web
Hello : This is in regards to my previous rental agency regarding a fraudulent debt they have placed into collections. I have written a synopsis for your knowledge. On XX/XX/XXXX, my husband spoke with a Move Out Specialist regarding our final account statement and extenuating circumstances. I had been communicating with XXXX XXXX from Corporate and XXXX ( new property manager at XXXX ) regarding the ongoing mold issue that was in my apartment dating back to XXXX. On XX/XX/XXXX I informed XXXX that I was diagnosed with XXXX XXXX XXXX and that I needed the mold inspection that XXXX stated they did for my doctor. Per a work order, on XX/XX/XXXX there was a mold inspection done by maintenance and that a " mold reference guide '' was to be used. On XX/XX/XXXX XXXX responded that he saw a service request where there was reported mold in our bathtub and that notes indicated that it was due to cleaning in my bathtub. Also, that the chipping in my tub was addressed. I responded to XXXX that cleanliness of my bathtub had nothing to do with the mold that we had been observing since XXXX. At that point, I requested a third party qualified mold inspector come to my unit and then provided him a record of service requests dating back the last 5 years regarding the mold. XXXX then stated he would send XXXX ( Maintenance Manager ) to our home on XX/XX/XXXX. I responded that I wanted a third party mold inspector, someone who was qualified as XXXX had been sent in the past and nothing was resolved. According to the lease, we had to give notice on XX/XX/XXXX. During this time, we were hoping things would get resolved by XXXX in time so that we could make the best decision, as we hoped to sign a new lease. ( 10 days in between since I heard back from XXXX ) Come XX/XX/XXXX I had to email XXXX and told him that I was writing in reference to the notice that would need to be given by XX/XX/XXXX. I stated that we had raised concerns for mold and that we hired our own mold inspector to come out ( they came out on this day ). I requested an extension on the notice until we could receive the full report back so we could make a determination as to whether we could stay or not. XXXX responded that we only had until the end of the week and he requested the results. I told him we would be happy to share, but in order for proper mold remediation to take place, we would need to vacate the premise as mold spores could be released. On XX/XX/XXXX I sent XXXX a copy of the mold report which noted elevated concentration of mold in the HVAC system and that it stated " immediate proper mold remediation is required '' and that we couldn't be in the unit. I requested that we be moved to an updated unit to reduce and avoid further health complications. XXXX responded and provided an option to move, but we wouldn't qualify financially and we couldn't afford such a hike in rent. I told XXXX if we were to stay in our current unit, it would need to be done by a certified mold company and not a contractor of XXXX. I told XXXX again that proper mold remediation, as indicated in the report, would mean we could not be there during remediation which could take up to several weeks. On XX/XX/XXXX XXXX wrote me back stating that rent is high due to upgrades and that his company had licensed contractors to do the job. He further stated that work in the HVAC unit could be done without us having to leave because they could access the outside closet without entering the patio and that the vents are a closed system. I responded back that his information was not accurate and that the report indicated mold not only in the HVAC, but the supply vents in the master bedroom - where black mold was discovered there a year prior. Also, that it isn't a closed system and we were being exposed to the spores being released in the air. I further stated, again, that beyond the results the report indicated that " residents should vacate '' and I explained why. I told him again that my immune system was compromised and that I had XXXX XXXX XXXX. I told him that staying in the unit would put myself and my family at greater risk. I told him that XXXX would need to put us for a few nights to reduce and prevent further health complications ( which is what ended up happening and why we only gave 30 days ). As you can see, we had already surpassed that mark of giving a 60 day, BUT not because I didn't want to stay, but because things were not addressed timely or appropriately. We had gone back and forth via email. XXXX then sent out their own mold person to do their own report. XXXX responded on XX/XX/XXXX that they only found half of the deficiencies that the Environmental Specialist we hired found and he outlined what they were willing to do ( some cleaning ) and that it would be done in a 12 hour period of time. They were not willing to put us up. On XX/XX/XXXX We spent the night out of the home and had to pay for lodging. Upon returning to the unit, I became extremely ill ( because further mold was released into the air and onto some items in my room ), which I have pictures of. We are currently being charged {$1800.00} for an Insufficient Notice Fee. As you can see, that is not my fault nor lack of communication on my end. We were more than willing to sign another lease IF the cleaning done by XXXX was sufficient enough to remove the mold. Unfortunately, proper remediation of the mold did not take place and my health further declined, so I gave my notice right away. That was the ONLY reason why we didn't give a 60 day notice. XXXX stated that corporate was willing to let us go without owing any money IF we signed a " Settlement Agreement and Release ''. We are also being charged a {$50.00} removal/damage fee. I left the apartment clean and completely empty, which I took pictures of. We moved out on XX/XX/XXXX - having only stayed 2 weeks that month. They kept our security deposit of {$500.00}, which would have left us owing {$300.00}. We were more than willing to pay the {$300.00}, but not until they changed the remaining balance on the ledger. They said they would do that once we signed a Settlement Agreement - we did not want to sign anything, until they changed the amount. Now, both my husband myself have been contacted by Genesis, a collection agency. I have submitted several documents for their review and investigation - proof of medical records, emails, copy of the settlement agreement, etc. **I have more documents that this will not let me upload** Thank you
03/01/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 94587	Web
XX/XX/XXXX my 1-year fixed term lease with XXXX XXXX XXXX XXXX XXXX XXXX, WA was set to end. XXXX XXXX XXXX never sent me a renewal offer and, according to the wording in my lease, my lease was to be terminated on that date, and only in the event of buyout of the lease or if I was a month-to-month was I supposed to give specifically 20 days of notice. About a week prior to the end of lease date I called the leasing office to ask about last steps for end of lease and moving out, along with giving them my forwarding address and my official move out date ( which was on the last day of the lease at the time listed ). They told me I cant move out then and that I would have to pay for the following month because I didnt give them 20 days notice, quoting RCW 59.18.200 which only applies to month-to-month leases, or leases of an indefinite amount of time. I explained to them how I did give proper notice as outlined in the lease and not in conflict with RCW 59.18.200. They ignored what I said and kept sending me screenshots of the lease that stated exactly what I said, that it only applied in terms of buyout or month-to-month. I gave them my forwarding address and asked them to send an itemized list with deduction amounts of everything taken out of the deposit including if things exceed that amount. I didnt hear a word for them or receive an itemized breakdown of deductions and how they used my deposit until XX/XX/XXXX at XXXX after receiving a call from Columbia Debt Recovery LLC XXXX XXXX at XXXX by a representative named XXXX, it XXXX also be noted I never remember XXXX telling me XXXX call was being recorded or given my consent but I would find out later that the call was recorded and he argued he did tell me it was being recorded. During this call XXXX told me that they acquired a debt from XXXX XXXX XXXX amounting to {$3700.00} and kept trying to urge me to pay or find out when exactly I could start paying. I asked him I would like to communicate through writing from then on and I would like verification of of the amount they were claiming. XXXX sent me a validation of debt email with an incredibly vague itemized list of charges and credit dated and labeled from XXXX XXXX XXXX. Two charges specifically on this itemized list caught my attention. One charge they listed was for {$1700.00} for insufficient notice. Aside from the fact I gave sufficient notice in compliance with the lease and law, this specific amount shows up nowhere in the lease as a penalty for insufficient notice, its a made up amount. The other charge I had questions about was a charge for {$1300.00} for floor replacement when the lease states resident will be liable for reasonable cleaning expenses. Another thing to note, not once during our call or in the validation of debt email was I informed that I could dispute the debt, rather I was only told to call them to discuss the debt. I took some time before writing my dispute letter after learning that legally I had 30 days after first contact to submit a dispute because I wanted to get a bit more understanding, read over my lease again to triple check, rest up from getting sick over the holidays, and other things. XX/XX/XXXX at XXXX I received, a call from the debt collection agency again ( from a different number ) even though I had explicitly told them I wanted contact to be done in writing. I had bad cell service and the call dropped so I called back about a minute later and I was greeting by an automated message telling me the call was being recorded, and at this point to my knowledge was the first time I remember hearing the calls were recorded, which I wasnt comfortable with so I hung up immediately. XX/XX/XXXX at XXXX they called me again, but this time I had missed the call. I called them back the same day around XXXX to remind them that I had asked them to only communicate with me in writing and to let them know I wasnt aware they had been recording our first call. XXXX told me they did and that I gave my consent. I very much dont remember this, but if they recorded the call that should prove whether or not they got my consent or not. XXXX continued to urge me to pay, but I said I would contact them soon about my dispute. XX/XX/XXXX at XXXX I sent back an email dispute outlining the relevant parts in the lease along with addressing the XXXX XXXX XXXX XXXX XXXX as justification as to why the charge for insufficient notice is not justified. I also asked if they could provide evidence as to why floor replacement was necessary as that by no means is reasonable cleaning expenses assuming average wear and tear. At the end of the dispute letter I also asked for verification that they specifically owned the debt and that they have authorization to collect it as I had heard many horror stories of debt being sold to multiple XXXX who all tried to collect. Two days passed and I received no response to my dispute, the XXXX day has arrived so I wanted to make sure they received it. I called XX/XX/XXXX at XXXX. This time I was recording and I did ask and receive consent from XXXX to do so. I asked if he had received my dispute email and if not, being the XXXX day, how I could make sure he got it. He gave me his direct email ( which I had already sent it to ) and I resent it to that email. The entirety of the call after he tried to continuously deflect and say more and try to urge me to just pay, even though I stated multiple times I want that communication in writing and that I was only calling to make sure he got my dispute. After this call I received no response from them regarding my dispute or request for verification that they owned and could collect on the debt. Instead, XX/XX/XXXX I received emails from Credit Karma stating that I had new collections account on my record. They had submitted the accounts to the credit bureaus with no contact to me following the dispute ( and still to this day XX/XX/XXXX ), and disregarding that the amount shown was proven to be incorrect due to false charges.
04/07/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 752XX	Web
I received an email from genesis collection agency on XX/XX/XXXX in regards to an apartment I moved out of in XX/XX/XXXX. I responded the next day XX/XX/XXXX to the email indicating I was disputing the account and that I was asserting my rights under the FCRA that all collection activity stop until the account was validated, I placed in the email my current address and asked all correspondence be sent. On XX/XX/XXXX I received a notice that a collection account was placed on my credit report and since I am in the process of buying a house and my credit score dropped XXXX points, I was irate. I contacted the collection agency I asked why wasnt the information I requested sent to my home address I was told the information was sent to my last known address which was the apartment complex they had purchased the account from and it was my responsibility to update complex of my new address - which I have documented proof I did. In addition, the employee didnt seem to know what I was talking about when I brought up the email that I was sent and I responded to. I also told the gentleman that I did not owe what was being shown he asked if I did a walk out and I responded no but I was NEVER sent any invoices showing I owed this he said good luck with that. I then asked to speak with a manager and was transferred to a man by the name of XXXX. He reiterated the statement about the address when I said I did update my address he retorted can you prove it with USPS documentation. While it was over 3 years ago - I indeed could prove it. I also told XXXX the amount was not valid I sent him paperwork from the Manager at the Apt complex that substantiated there was an agreement to move earlier, an email that showed I had returned all my keys, the replacement blinds were paid for, and that I did not owe 3 months of utilities - I also requested receipts of the work that was allegedly done because this information was never given to me by the XXXX XXXX. XXXX XXXXXXXX XXXX response was it didn't matter if the apartment complex released me early from my lease at which time, I told him I was month to month not on a lease but the email between myself and the XXXX XXXX company clearly establish the XXXX XXXX Company approved my 30-day notice. His position was it didnt matter if the Apartment Company agreed to a 30 day move out my lease states, I needed to give 60 days he substantiated this by sending me the first page of a lease that was expired 4 months. I asked XXXX did this collection agency buy this debt or were they collecting on behalf of the XXXX XXXX - XXXX communicated it wasnt bought the account had been assigned to Genesis. I communicated that I will not pay for something I do not owe. His response was that it could sit on my credit report and good luck with my mortgage. I did pay the full amount under protest because I was closing on a mortgage and this placed my mortage loan in jeopardy. After it was paid, I reached out to the XXXX XXXX company to dispute the collection account and recoup the money that I did not owe. However, I was told at that time XXXX no longer owned the account it had been sold to the collection. agency Which in hindsight makes sense because the collection agency could have confirmed all this information with the XXXX XXXX Company, but they didnt This collection agency has violated numerous FCRA laws. The changes in the laws regarding 3rd party collection agencies in XX/XX/XXXX gave had stricter guidelines. None of which Genesis followed. They circumvented the FCRA and intentionally placed a collection account on my CR as a way of collecting. These tactics are the exact reason the laws had been changed. The law established When can a debt collector report my debt to a credit reporting company? **There are certain steps debt collectors must take before they can report a debt to a credit reporting company. They must do any of the following : Send an electronic communication about the debt and wait for a reasonable amount of time, generally 14 days, in case it is returned as undeliverable. I received an email from this collection agency on XX/XX/XXXX I responded XX/XX/XXXX saying this account was being disputed. I requested that they send me a copy of invoices for what I allegedly owed. Since I was within my XXXX dispute period, I requested collection activity stop including reporting to the CRA in accordance with the FCRA I included in my email my home address Speak to you by telephone or in person about the debt : The first time we spoke it was on XX/XX/XXXX when the account was reported to the CRA. The correspondence must include the consumer has 30 days to dispute account if it's not disputed within 30 days the debt will be deemed accurate This was not on in the notice The correspondence must state the account will be reported to the CRA : Nowhere in the correspondence It is a violation of the FCRA to pursue collection activity, including reporting accounts to the CRAs when a dispute is received within the 30-day time frame. And I did dispute the account Dispute was sent XX/XX/XXXX requesting information XX/XX/XXXX it was placed on my credit reports. **They misrepresented who the debt belonged to This collection agency was aware of my impending mortgage and they used that as leverage to pay an account that was being disputed ( and still disputing ) after I had clearly communicated this to XXXX XXXX Of course, his next comment about just leaving the collection my credit report and good luck with my mortgage sums up their whole unethical collection practices
06/15/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WA 980XX	Web
We were renting an apartment from a company called XXXX which is owned by a parent company named XXXX. Brio is located in XXXX, WA. The headquarters for XXXX is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX. After our lease ended and we moved out, we were given an invoice on XX/XX/2022 that totaled {$4400.00}. We were astounded by how large this invoice was. The largest charge was for the replacement of all the window blinds ( roughly 10 windows ). The claim is that the draw string on 3-4 windows were damaged, so they decided to replace all the blinds in the apartment and make us pay for it. I'll repeat this part ... because the string was damaged on 3-4 windows they replaced all of the blinds on 10+ windows and want to charge us for it. When we contacted XXXX, they said that they did not have staff that knew how to re-string blinds on those XXXX windows, so they replaced all the blinds. Mind you, XXXX entered our apartment unauthorized, unannounced and without us being there to take pictures, which is illegal in the State of Washington and did not give us a chance to mitigate the things they noted. The most egregious being the replacement of all blinds. We were not notified of any of this until we were already moved out of the apartment. Our research indicates that re-stringing blinds should cost somewhere in the neighborhood of {$10.00} - {$100.00} per blind. So our stance has been that we strongly disagree with being billed for such an unreasonable resolution. We had some back and forth communications in XXXX, but ultimately could not come to an agreement. They basically were willing to take 20 % off the top, but we felt this was too little. We believed that to restring a few windows should only cost a few XXXX dollars. So to offer to reduce the bill from {$4400.00} to {$3400.00} was not reasonable. It was less about the money and more about the principle of not allowing XXXX and XXXX to take such advantage of us. At this point, we sent a certified letter to XXXX which was received by a representative named XXXX XXXX. In this letter, which is attached to this complaint, we basically were asking for them to provide evidence of the charges and why they felt it was okay to buy brand new blinds for the whole apartment and charge us for this when only some strings were damaged. We never got a response. On XX/XX/XXXX, we received a letter from Genesis / Columbia Debt Recovery. We responded this this letter via email informing them that these charges are being disputed and to please stop collection efforts. We also asked that they should note on our file and in any communications that these are charges in dispute. They did not stop contacting me. Near the end of XXXX, I got a notice that the group of Genesis / Columbia / XXXX XXXX XXXX put a credit hit on me for an item in collections that dropped my credit rating by about XXXX points! A pretty sizeable decrease in my credit. I reached out to Genesis to inform them that really I just want XXXX to be reasonable and negotiate in good faith to get this resolved. Genesis 's response was and there is not hyperbole in this ... " Oh yeah, XXXX, yeah they are very firm and will not negotiate at all. If you are lucky, XXXX time a year they will offer something like a 10 % discount. We are not authorized to negotiate very much at all and the most we can do is remove the {$40.00} of late fees if you pay now. XXXX doesn't even seem to care about the money as I've never seen them ask about or refer to any of the collections. '' Okay so what am I supposed to be about the credit hit? " Pay them, I guess. '' Wow. Okay, so I reached out to all XXXX major credit agencies ( XXXX, XXXX and XXXX ) and use their online tool to dispute the credit hit. I didn't hold out much hope because I figure UDR is a public company that has many apartment complexes. All of these rely on credit scores, which the big 3 specialize in. Looked like I would be disputing charges with companies that have conflicts of interest with XXXX. But it can't hurt to try right? XXXX have come back so far with denials ... both using XXXX words. " Verified as accurate. '' I fully expect XXXX to have the same result. I called XXXX and explained my situation. XXXX said there was nothing further that representative could do ... it was essentially final. So I asked, " what can I do? '' The response was, pay it or let it sit on you record for 7 years. 7 years!! I was not very happy, of course. I asked the XXXX rep, " what does verified accurate '' mean? That you verified that they were trying to stiff me with replacing all the blinds in the apartment? Of course she had no answer. If what XXXX is claiming is accurate and true... what about my truth? What about my perspective? Why would they err on the side of XXXX without even giving me a chance for recourse? At this point I think the rep could feel this was not very fair, so she told me that I could try to fight by contacting CFPB. It is totally wrong to take some damaged string and then blow that into replacing all blinds with brand new ones... then charging me for it. When I say that is not fair... okay I'll just give you a huge hit on your credit and offer only one route of settlement... pay everything, fair or not. So I am here. Trying this route to see if maybe I might find some justice here.
03/17/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MT 594XX	Web
I was well over my lease i gave my notice that I will be moving out. I paid XXXX in rent packed my belongings and drove out of state XXXX miles to drop off my belongings. 5 days there with 2 vehicle 's and a trailer full to the point of my bumper nearly dragging. Once i unloaded the following morning i drove back for my move out inspection appointment with XXXX or XXXX cant remember her name but she needs tried and watched for fraud All my calls were unanswered after hours of calling standing outside pushing the buzzer for the office to see me on camera to be buzzed in no response of my gated walk to my old apartment window to try and gain access that way my property that i could not fit and intended on loading in my vehicle before the inspection. Was removed from the apartment was already empty upset i buzzed the office till i finally gave up standing in XXXX degree heat thinking its fine ill have my day in court i have documentation photos receipts. Having barely enough for fuel to get home and a job interview in XXXX days i had no choice but to leave. Several days later i call the XXXX XXXX apartments no answer i use a family members phone and amazingly XXXX answer 's im upset she is using a condescending and rude tone i ask why they have been ignoring my calls what calls i go into detail her reply did you try emailing us my reply no it was your business hours and i had a appointment with you that you missed nope you missed the appointment and without an email whos to say you tried hard enough to get a hold of me then hung up. Called the corporate office just as many times to talk with her superior XXXX and the same result never got past her voicemail. So i took a deep breath its ok ill have my day in court my day in court never arrived they have all my information i have the same phone number i gave them a forwarding address when i gave my notice i was moving out. I never received a court date for the dept owed i never signed a move out agreement it went straight to collection upset i called a old neighbor to find out XXXX day off to talk with someone who isn't trying to defraud people. Also more response with out her starting at them like the person in prison move that just assaulted someone and doesn't want to get caught. I find out she charged me just under XXXX for paint smoke damage small XXXX bed room apartment maybe its possible it is California but it was charged the day of my inspection which i know for a fact it couldnt of been painted that fast and i know contracter on apartments complexs cant be paid till the manager verifies the work is complete and all paperwork is summited and correct then a check will be cut. I was led to believe i was moving into a smoking unit my lease shows i was never give the no smoking addendum and the lease says nothing about smoking which led to believe i could use my XXXX XXXXXXXX in the confineds of my home. I was charged for trash removal. I lived there for XXXX years on the bottom floor corner apartment her idea of trash removal is to put it on the corner of the street and make it the citys problem homeless people would sleep on the bed bug and rouch infested mattress they would pull out of peoples apartments. I was charged just under XXXX dollars for carpet shampooing. I own a industrial carpet cleaning machine i shampooed the carpets twice ask the lady upstairs she was stomping about the noise the sections of carpet are XXXX and XXXX roughly im being generous if i didn't clean them already charging just under XXXX dollars for XXXX small rooms is out rages still. Soap and steam professional machine XXXX XXXX tops XXXX a hour no way. I said that and the person actually telling me what she charged me for said it was smoke damage carpet cleaner XXXX dollars a room nope sorry still don't believe it. If the apartment was that badly damaged by smoke and that fact i lived there with my youngest XXXX and my mother for XXXX years the carpets were not new when we moved in the carpets should have been replaced not cleaned. Ware and tar is the bottom line regardless there was no physical damage and being miss lead by the manager of the apartment which is no where on the move out sheet they sold my dept to so its no longer there problem and they found someone else to ruin my credit make me out to be a bad tenant and has nothing to say other then how do you want to pay this i ask them please take me to court that company is a scam artists nope you owe use its not a scam its a real dept like i don't know what a dept collection company does i realise they think its real all the see are numbers they can care less give me my commission. All i want is my day in any court but they know i will win and have a great counter claim which brings me here i don't have a lot of more like i use to working in Californias movie studios so ive been doing this on my own trying to get my credit back were it should be so i can buy a home one day for my family and i refuse to pay anything more then what i owe not what they want to add on so they can get a cut back.
10/08/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85260	Web
On or about XX/XX/XXXX I noticed there was a collection account on my credit report. This was through XXXX and listed as Columbia Debt Recovery. I initiated a dispute because I did not recognize the debt and the creditor. On XX/XX/2023, I received an email from Columbia Debt recovery stating that I needed to prove that I did not owe this debt. See attached email. I responded at that time, XX/XX/XXXX, with a dispute that this was my debt and a request that I only be contacted by mail except to confirm that they understood my request. On XX/XX/2023 I received an email with a computer printout of a debt they said I owed. At this point they were using an address as XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I sent a letter on XX/XX/2023 in which I stated that I am requesting an investigation and proper validation. I also stated again that I wished to be communicated with only through mail. At no point has Columbia debt collection ever provided me with a notice of my rights under the FDCPA. They were required to, within 5 days, provide me with notice that I had specific rights to dispute this debt. 15 USC 1692g, 809. Validation of debts, within 5 days to provide me with certain notices regarding my rights to dispute and validate this debt. 15 USC 1692g, 809. They were also required to cease collection efforts, including reporting and any communication until such time as they completed an investigation. I sent them another letter requesting that they comply with the law, this time by certified mail, which they received on XXXX see attached along with certified mail receipt. They are reporting this to the credit reporting agencies using 3 different names and addresses. In fact, they have 4 different addresses that are being used. In a confusing and deceptive manner, they have called themselves Columbia Debt and variations of Genesis, in a conversation with a man named XXXX in early XXXX he initially refused to say who the original creditor was. It was only after I argued with him that he stated who held the debt. They contacted me from various phone numbers after I expressed my wishes to only be contacted by mail. On XX/XX/2023 a XXXX XXXX called me at XXXXXXXX XXXX from a masked number XXXX. This is not actually a number associated with them but a masked number. See attached. They sent me an email on XX/XX/2023 attempting again to collect this debt. In both cases they violated the law by attempting to collect debt without complying with 15 USC 1692g, 809 and the process on validating the debt. In this case they received several notices that the debt was in dispute and an investigation was requested. Also, they contacted me in a way I had prohibited. Furthermore, Columbia Debt is listed, fraudulently, as a waste management company in the Arizona XXXX XXXX. See attached. Genesis is a separate company who is trying to piggyback onto This entities Debt collection Licenses. Genisis is not actually licensed to collect debt in the State of Arizona. To summarize : Genisis did not provide notice of rights. 1006.34 Notice for validation of debts. Genisis did not investigate as required and did not state that the prior dispute was duplicate or follow the 30 day validation period. 809. Validation of debts ( b ) Disputed debts Genesis communicated by means that was prohibited by the consumer. 1006.6 ( b ) Communications in connection with debt collection. Genesis attempted to collect without validation. 1006.38 ( d ) Disputes and requests for original-creditor information. Fraudulent names 807. False or misleading representations ( 10 ) Fraudulent phone numbers and masking of phone numbers 807. False or misleading representations ( 10 ) Multiple names 807. False or misleading representations ( 10 ) Not licensed in the state of Arizona as the entity they are named 807. False or misleading representations ( 10 ) As you know, the laws of Arizona largely adopt the Federal Laws except to differ in one sense. Arizona Revised Statutes state that violation of the laws is criminal in nature. Violation of the Arizona debt collection statute is a class 1 misdemeanor. ( Ariz. Rev. Stat. 32-1056 ). So, any debtor victimized by a collection agency can report a violation of the statute to the local city or county prosecutor. ( Ariz. Rev. Stat. 32-1057 ). Arizona law also requires that collection agencies be licensed and provide a bond. ( Ariz. Rev. Stat. 32-1021, 32-1055 ). And collection agencies must " deal openly, fairly, and honestly '' in conducting their business. Licensees may not " engage in any unfair or misleading practices. '' Thank you for your time and consideration. XXXX XXXX
01/21/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 32757	Web
TITLE 15 USC CH. 41 1692G 1692g. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. I was never given a written notice of debt within 5 days from this alleged debt collector COLUMBIA RECOVERY LLC outlining the dispute processes I am legally entitled to in sections ( a ) ( 3 ) - ( 5 ). My initial communication regarding this alleged debt was on XX/XX/XXXX by phone. They asked on the phone if it was okay to send further information to me via email. I agreed. They sent an email on XX/XX/XXXX containing the following Amount of debt Name of creditor Name of debt collector Alleged lease Ledger, with itemization of debt By the end of the business day on XX/XX/XXXX, I had not received any written notice of debt with other mandated information in it, bulleted below. I did account for XX/XX/XXXX being considered a federal holiday. I am reporting them for this violation. Their email dated XX/XX/XXXX did not contain the following : ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. If the notice is provided electronically, the consumer-response information regarding disputes must include a statement explaining how the consumer can take these dispute actions electronically. Per the Consumer Financial Protection Bureau XXXX XXXX ) ( XX/XX/XXXX Rule ) On my original call on XX/XX/XXXX with a representative calling herself XXXX, she said she would transfer me to a supervisor to dispute the alleged debt but she claimed something to the effect of You wont win the dispute because you are wrong. She does not know if I am wrong or right and by saying so she is in violation of XXXX. She asked me to hold for a supervisor, I waited, and the call hung up. I called back within a few minutes twice. I spoke with XXXX one of these times, she apologized for the call dropping and said she will transfer me to a supervisor to explain the dispute process and I was never connected with a supervisor. I called again and dont recall the information discussed. I believe these failed attempts to connect me with a supervisor were purposeful and attempt for me not to know my rights. Due to this illegal omission, they are subject to fines as outlined in the U.S. code and Florida statutes. Because they did not provide the mandated written notice with the above outlined information within 5 days, and because of the unfair practices by their representative, I wish for them to cease all collection permanently regarding this alleged debt. Further, if the account has been reported to any consumer credit report agency files, I ask that this company contact the agencies and request that they be deleted. Sincerely, XXXX XXXX
11/05/2021	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	KS XXXXX	Web
Vacated rental house XX/XX/2020 ; left house immaculate I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. Incorrect, inaccurate information can not be reported to the credit bureau agencies and the information provided to you is incorrect. Due to the erroneous information, per FCRA 609, we request and ask please that this collection be removed from our credit reports. I enclose copies that XX/XX/2020 the company verified I had a XXXX balance. We moved out of this property XX/XX/2020. A company Genesis has called saying they are XXXX XXXX management trying to collect monies noting we are owed, that we in fact do not, per the message we received XX/XX/2020. This is ruining our credit and will seek legal remedy if this is not removed from our accounts immediately. It is horrible that people are taking advantage of others in the world we are in and misleading individuals who they are, falsifying information, etc. We are requesting this be deleted immediately from our credit reports. While we do not owe this balance, I want to bring to your attention in the State of Kansas per the Kansas Tenant and Landlord laws, a landlord must notify a tenant of an itemized list of offsets for our security deposit and that was never completed, nor sent to us. We disputed previously, and continue to dispute to no avail. Our credit is being ruined and if this is not removed we will seek legal remedy through an attorney.. Per XXXX XXXX, A landlord must conduct a move-in inspection no later than 5 days after a tenant moves in, such inspection should be signed and dated by both landlord and tenants. This was not completed per the move-in inventory sheet provided. Per XXXX XXXX a Landlord must provide tenant intent of itemized deductions of security deposit, and not exceed 30 days. Per documents provided, the collection placement denotes notice date of XX/XX/2020, we vacated the property XX/XX/2020 and the property was immaculate. The message we received XX/XX/2020, the letter included, as of the date of that email, we owed XXXX dollars. And then 10 months later, mysteriously this collection was on our account. We never received a single document form this Genesis company they have called stating they were with XXXX XXXX XXXX and also only a phone call stating that they were Pathlight management, falsifying who they were and why they were calling, also against Fair Credit Reporting Act. They have contacted us as 3 different company names and emails, by Genesis, XXXX XXXX XXXX and Columbia Debt Recovery. They have demeaned us, spoke down to us like we are deadbeats noting how its clear they had issues with us since XX/XX/2020, when we moved from the property XX/XX/2020 and the house was immaculate. We went from a XXXX balance XX/XX/2020 more than 40 days from moving to them claiming we owe almost {$3000.00}. We asked in early 2020 for confirmation of our balances due and again, we were told a XXXX balance. This is affecting our livelihood and ability to find a home, and is completely wrong, and illegal The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I look forward to an uneventful resolution of this matter. Sincerely, XXXX XXXX enclosures
08/17/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	ND 58801	Web
We received a collections bill from COLUMBIA DEBT RECOVERY LLC DBA GENESIS 2 days ago, on XX/XX/XXXX. This bill is in relation to a townhome we rented back in XXXX through a rental property company called XXXX. Prior to this bill landing in collections, I repeatedly asked XXXX for evidence that the charges billed to us upon our move-out were legitimate, and I was ignored. The reason we never paid this bill, is because we never received proof that these charges ever occurred. We were initially billed for {$1200.00} worth of painting supplies and manual labor ( but we were never sent any receipts ). Then, two days later, we were sent the same bill again, only this time it listed {$2200.00} worth of painting supplies and manual labor. Again, I reached out to XXXX requesting records of these charges, such as receipts from the vendors who did the painting. XXXX never got back to me with any evidence of the charges, so I began to suspect that XXXX possibly fabricated the amount that was billed to us. When I searched for XXXX on the XXXX XXXX XXXX I stumbled across reports that the company often fabricates move-out conditions and charges in order to make excess money off exiting tenants. So my suspicions were raised further. After speaking with multiple different representatives at XXXX and begging for proof that the charges were legitimate, Greystar instead passed my account onto a collections agency ( Columbia Debt Recovery AKA Genesis ). I of course demanded that Columbia Debt Recovery also prove that these move-out charges were legitimate. In response, I was informed by Columbia that they had 30 days to investigate my case. Thats fine. Whats not fine, is that when I requested receipts to prove the painting charges were legitimate, I was informed by Columbia that XXXX likely uses in-house maintenance for painting, so no such receipts from vendors would even exist. However, I called the rental unit that I lived in directly to fact check this ( XXXX XXXX- which is the small residential neighborhood that we lived in, owned by XXXX ). XXXX informed me that in 2020 when I moved out, they were in fact hiring out vendors for painting. What this indicates, is that proof of these charges must exist somewhere, as vendors were outsourced to paint the townhouse after my departure. I mentioned this piece of information to Columbia Debt Recovery, and again requested proof the charges were legitimate. Columbia in turn informed me that landlords are not required to provide receipts to tenants anyway. ( So Im just supposed to take the landlords word for how much the paint costed him, even though theres no financial footprint other than the invoice he typed up himself? ) To add to this, there was not XXXX invoice written up by the landlord, but TWO. The discrepancy between the two invoices is a difference between {$1200.00} and {$2200.00} in paint. So which one is it? Columbia Debt Recovery noted the discrepancy and informed me they have 30 days to reach out to Greystar and collect evidence, and that my account will not be sent to the credit bureaus until XX/XX/XXXX. What this means, is that Columbia Debt Recovery is going to sit around until XX/XX/XXXX, give XXXX 30 days to respond to their inquiry, then get back to me ( hopefully ) before XX/XX/XXXX to make an offer with the evidence they collect. My biggest concern is that once Columbia Debt Recovery finishes their investigation and responds back to me with their evidence, Ill have 5 business days to pay up whatever they demand or else my credit score will be negatively impacted. This feels like a coercive XXXX situation, as my account shouldve never gone to collections in the first place. If the original creditor ( XXXX ) wouldve provided me with proof of these charges, I wouldnt even be in this situation. Columbia Debt Collection should not be able to threaten to ruin my credit score without VALID proof of the charges, yet they threaten to do so anyway by providing me with a set date, whilst simultaneously forcing me to sit around for the next 30 days while they scramble to locate evidence that shouldve been provided to me years ago.
11/05/2021	No	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	MO 64083	Web
Vacated rental house XX/XX/2020 ; left house immaculate I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. Incorrect, inaccurate information can not be reported to the credit bureau agencies and the information provided to you is incorrect. Due to the erroneous information, per FCRA 609, we request and ask please that this collection be removed from our credit reports. I enclose copies that XX/XX/2020 the company verified I had a XXXX balance. We moved out of this property XX/XX/2020. A company Genesis has called saying they are XXXX XXXX management trying to collect monies noting we are owed, that we in fact do not, per the message we received XX/XX/2020. This is ruining our credit and will seek legal remedy if this is not removed from our accounts immediately. It is horrible that people are taking advantage of others in the world we are in and misleading individuals who they are, falsifying information, etc. We are requesting this be deleted immediately from our credit reports. While we do not owe this balance, I want to bring to your attention in the State of Kansas per the Kansas XXXX and XXXX laws, a landlord must notify a tenant of an itemized list of offsets for our security deposit and that was never completed, nor sent to us. We disputed previously, and continue to dispute to no avail. Our credit is being ruined and if this is not removed we will seek legal remedy through an attorney.. Per XXXX XXXX, A landlord must conduct a move-in inspection no later than 5 days after a tenant moves in, such inspection should be signed and dated by both landlord and tenants. This was not completed per the move-in inventory sheet provided. Per XXXX XXXX a Landlord must provide tenant intent of itemized deductions of security deposit, and not exceed 30 days. Per documents provided, the collection placement denotes notice date of XX/XX/2020, we vacated the property XX/XX/2020 and the property was immaculate. The message we received XX/XX/2020, the letter included, as of the date of that email, we owed XXXX dollars. And then 10 months later, mysteriously this collection was on our account. We never received a single document form this Genesis company they have called stating they were with XXXX XXXX XXXX and also only a phone call stating that they were Pathlight management, falsifying who they were and why they were calling, also against Fair Credit Reporting Act. They have contacted us as 3 different company names and emails, by Genesis, XXXX XXXX XXXX and Columbia Debt Recovery. They have demeaned us, spoke down to us like we are deadbeats noting how its clear they had issues with us since XX/XX/2020, when we moved from the property XX/XX/2020 and the house was immaculate. We went from a ZERO balance XX/XX/2020 more than 40 days from moving to them claiming we owe almost {$3000.00}. We asked in early 2020 for confirmation of our balances due and again, we were told a XXXX balance. This is affecting our livelihood and ability to find a home, and is completely wrong, and illegal The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I look forward to an uneventful resolution of this matter.
07/17/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 79762	Web
I submitted a dispute with all three credit bureaus on XX/XX/XXXX in regards to an inaccurate, fraudulent, and false collections on my credit reports. I also submitted sufficient and substantial documentation to prove my dispute as well as to prove that the collection is not a legitimate debt I owe. I even have proof of an email from the property manager/landlord stating that I was allowed to break my lease without any penalties, fees, or charges. I also received a letter of demands from someone claiming to be an attorney representing the property of XXXX XXXX, XXXX at XXXX XXXX. Falsely accusing me of such immature behaviors of libelous statements, giving me direct orders to only communicate directly with him, threatening lawsuits to gain monetary compensation for damages I was causing to his client, the property management company, which I not one time ever did anything of the sort in his letter he also requested I contact him, I did, I also requested that he provide me with substantial evidence to back the false allegations, on XX/XX/XXXX, and here it is 375 days later, I never heard back from this attorney ever again. On XX/XX/XXXX when I finally saw a new collections account was placed on my credit reports as negative remarks and my credit score decreased due to this. I reached back out to the attorney, and what I received back was rather deeply disturbing and concerning! Disconnected phone number, the other phone number was answered by a plumbing company, the senior legal assistant email I had, came back as a massive red flag, and I did receive a reply from the senior legal assistant stating the company had changed their status and because of that her email had been changed to ( inserted an email address with a completely different name all together ), I emailed it requested information to contact the law firm to speak with this alleged attorney in regards to this matter and fraudulent reports on my credit bureaus. It most definitely needs to be removed from my credit reports being it was reported out of retaliation and not true in any form whatsoever. Again, 375 days later and still nothing from this attorney or his senior legal assistant who emailed me his atrocious letter of demands. Now the dispute to my credit reporting agencies have been marked as dispute resolved ; reported by grantor and account previously in dispute ; now resolved by data furnishings and increased my debt balance. I absolutely do not owe this amount whatsoever. This is absolutely and truly the Gods honest truth that it is out of retaliation. Please see documentation attached. This is causing me horrible financial injury and my credit reputation for any further rental possibilities for me in the future. This isnt right whatsoever! this. Its truthfully not accurate and is 100 % fraudulently false reporting as a way of retaliating against me for my actions in reporting this property for the horrific uninhabitable living conditions and violent crimes that happened at this property while I resided there and in what happened to me there. My health was deteriorating severely because of those living conditions, filing formal complaints and reports with the FHA/HUD and also the FTC. Its also a matter of retaliating against me for my valid complaints in the leasing agent XXXX XXXX for interfering with my mail from the USPS. A general manager and postal worker both can in fact confirm that part. I have too much evidence that is very credible beyond a reasonable doubt against this property, the management, a leasing agent, and the faulty botched maintenance repairs by their maintenance manager, as well as the immense amount of roaches, and I mean heavily infested, in my apartment so severely that I had to throw away all my furniture when I had to move, and they were crawling all over me during the day time as well and all over my medical equipment. It needed to be a building condemned. Please do something about this. Its not right and is completely unnecessary. I have too many witnesses and substantial evidence to support my case/complaint/report.
01/03/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 78572	Web	Servicemember
I originally gave my XXXX day notice to let the office know about not renewing our lease on XX/XX/XXXX. On XX/XX/XXXX ( XXXX days before the move out ) I went into the office and spoke with XXXX and let her know that my husband was in the middle of interviewing for a position in the XXXX XXXX XXXX. That if he were to get the position that we would be moving towards the end of XXXX beginning of XXXX. XXXX said that I would need to give her a specific date to move out, I said I was not sure as things change so fast, she said that to be safe than sorry to just extend it to the end of the month and if something comes up to come to the office and we can discuss further. She said that if we chose a date and needed more time that it would not be possible due to them possibly renting the place out, which made sense, so that's why we went with XX/XX/XXXX to be safe. I let the office know about my situation XXXX days before I moved out, that was already on top of my original XXXX day notice. I was very open with the communication and I followed all of their advice to the XXXX! No one said that I would need to give another XXXX days notice for month to month, nor did I sign anything stating that was the rule. Not even in her email did she state that I would need to provide another XXXX days notice, so I do not know where that rule has come from as I did not sign anything on XX/XX/XXXX acknowledging this XXXX day notice rule. All that was stated was that we changed the date and if anything comes up to let them know. My husband got hired and I informed the office on XX/XX/XXXX ( XXXX days before the move out, not XXXX days like you stated below ) that it looks like we will be moving in XXXX weeks, They said they already leased our unit and they were going to ask the tenants if they wanted to move in sooner ( no one ever got back to be on that ) ( you should have those emails already ) On XX/XX/XXXX when I went into the office I was willing to pay upfront from XXXX XXXX but I was told their system would not allow a partial payment. XXXX and her XXXX said I would need to wait until I moved out to get billed. Therefore, since I asked to pay and was told not to, then I shouldnt be held liable for a late fee, specifically because I followed the direction given to me by the office XXXX. I did not withhold rent. I was willing to pay but was told I could not due to them not being able to adjust it manually. Regarding the trash removal. I still do not see an invoice for that service. All that was provided was what I already know, pictures of what we left for the City of XXXX XXXX XXXX XXXX to come collect on XX/XX/XXXX. Did the city not come to collect? We called in and requested a bulk pick up. Again, I will be willing to pay the fee as long as the invoice is provided. The invoice for the carpet is confusing. There seems to be multiple units on this invoice and only XXXX line seems to be associated to the XXXX unit. XXXX XXXX XXXX, XXXX XXXX - for {$XXXX} seems to be the only line associated to our account. So if we can update/fix that on your end. You overcharged us! The invoice for the house cleaning has multiple units listed as well : Our price seems to be {$XXXX} not {$XXXX} that yall have on the invoice. I was very proactive with my communications with the front office since the beginning. I asked if yall can adjust/prorate and reflect the proper move out date from XX/XX/XXXX to XX/XX/XXXX. ( still havent seen that reflection on the invoice ) If you adjust the dates to the correct move out date, the prorated rent should wipe out what is owed. I let the office know about my situation XXXX days before I moved out, that was already on top of my original XXXX day notice. I was very open with the communication and I followed all of their advice to the XXXX! I am literally waiting on invoices from the office since XXXX! It is now XXXX of XXXX! A whole XXXX months later! This is not acceptable. XXXX XXXX are scamming us and not willing to provide proof of charges and not changing the correct move out date.
07/14/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	OR 97330	Web
Alleged debt originates from an apartment lease with {$850.00} security deposit ( XX/XX/XXXX to XX/XX/XXXX XXXX. On or about XX/XX/XXXX I conducted a Move Out inspection and discussed turnover costs with the new complex manager, who had been on the job perhaps six weeks. Other than some repairs ( < {$200.00} ) and some cost for repainting, conditions were deemed fine. Together we filled out the Move In / Move Out inspection form. I vacated and expected to receive around {$550.00} of my deposit back. On XX/XX/XXXX, I received a " Final Accounting ''. This document stated I owed {$490.00} for " cleaning '', {$280.00} for repairs, {$250.00} for " tampering '' with a smoke alarm, {$260.00} for carpet repairs - a total of ~ {$1200.00} against my {$850.00} deposit, for a balance of {$410.00}. I immediately emailed the manager for an explanation and was told one would be forthcoming by post. I received nothing, and due to exigent life circumstances, moved on to more pressing issues. The debt was not initially reported to any agency, I received no mail, no calls and no further requests for payment until XX/XX/XXXX. In late XX/XX/XXXX, I and my former roommate each began receiving robocalls and mailings from Genesis Credit Management of XXXX, WA. An important note : my roommate had been removed from the lease six months prior to its expiry, yet Genesis continues - into XXXX - to report this debt on their credit. In XXXX or XX/XX/XXXX, I called Genesis to determine what this was about ; upon being told I immediately disputed and requested validation of the charges. This took some time. On XX/XX/XXXX, XXXX finally emailed me a PDF of scanned documents from the apartment complex. Absent from these documents was the signed Move In / Move Out Inspection and any invoice for carpet repair. The kicker - the " cleaning checklist '' form used to " validate '' the {$490.00} charge ... contains no " Date '', " Apartment Number '' or " Employee Name ''. By phone, I immediately demanded the missing documents and asked how GenesiXXXX expected to take this matter to court if these things could not be produced. Their position - including their reporting to the credit bureaus - is that the debt has been " validated ''. It can not be with the provided documents. After these prolonged discussions with Genesis, I heard nothing else and collection attempts ceased. When the debt appeared on my credit report ( which it has occasionally not XXXX, it appeared as disputed. On XX/XX/XXXX, I was denied safe housing due to a " property debt '' appearing on my credit report. I immediately called Genesis to determine if they were still reporting the debt. The rep stated Genesis was reporting to credit agencies for both myself and my former roommate. Reporting someone removed from the lease months prior to expiry can not be legal under the FCRA. I confirmed Genesis ' receipt of my previous dispute documentation and reiterated to the rep that validation documents were not complete nor sufficient to litigate. I explained his company had failed to file suit specifically because I had pointed out how these documents were insufficient. I was given a story about how another individual was denied housing for property debt during the pandemic and " just had to deal with it ''. I was treated to a lecture about the rep had been taken to collections over a phone bill, disputed it but had to pay because the company wouldn't give up. Then, after a 10 second " review by the manager '', I was given a chance to settle and delete for {$310.00}. I first informed Genesis in XXXX of the absent and incomplete documentation. They do not care. To decline judicial scrutiny while continuing to report " debt '' ; then using pressure tactics attempt collection without sufficient documentation, Genesis is engaging in actual extortion. I have attached the recent correspondence and some of the documentation provided by Genesis mentioned. I am happy to provide the original 13 mb file emailed to me in XXXX. Thank you.
09/06/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	WA 98801	Web
Columbia Debt Recovery contacted me on XX/XX/2023 requesting i pay a debt. I contacted them via email and post asking for a debt verification letter was to include Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the After i sent a letter requesting this information they sent back a lease agreement without any other of the information i requested or needed to understand the debt. I contacted them again via email and post on XX/XX/XXXX and XXXX and have not received anymore information regarding the debt. Since its been well over a month since i reuqested this information they need to remove the debt because i do not owe it.
09/20/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	WA 98092	Web
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Columbia Debt Recovery for their illegal and unethical actions in attempting to collect a debt that is not legally owed. The purpose of this complaint is to bring to your attention the gross violations of consumer protection laws by Columbia Debt Recovery and to seek your assistance in rectifying this matter. The relevant facts pertaining to this complaint are as follows : My lease agreement commenced in XX/XX/XXXX and was scheduled to end in XX/XX/XXXX, as confirmed by the Washington State Emergency Proclamation by Governor XXXX XXXX. This proclamation, as outlined in Emergency Proclamation by the Governor Amending Proclamations XXXX and XXXX, explicitly states that landlords are prohibited from treating any unpaid rent or other charges related to a dwelling as an enforceable debt or obligation if such non-payment was, in whole or in part, a result of the COVID-19 crisis. The proclamation specifically covers the period from XX/XX/XXXX, through XX/XX/XXXX. Under these provisions, landlords, including Columbia Debt Recovery, are expressly forbidden from attempting to collect rent or related charges for this period, whether through collection agencies, by reporting to credit bureaus, or any other means. Columbia Debt Recovery is seeking an unjustified amount of {$23000.00} for the debt. Moreover, they are attempting to unethically manipulate the credit bureaus by misrepresenting the account 's original date as XX/XX/XXXX, in an effort to confuse them into thinking that it falls outside of the protected times outlined in the emergency proclamation. However, the truth is that the account was created during the protected COVID-19 era, and their actions are an egregious violation of consumer protection laws. Additionally, Columbia Debt Recovery falsely claims that I moved out in XX/XX/XXXX when, in fact, I vacated the premises in XXXX, before my lease had expired. I can provide evidence in the form of a lease agreement with my new tenant, which clearly shows my move-in date in XX/XX/XXXX. In light of the above, I am legally obligated to pay only for the months of XX/XX/XXXX and XX/XX/XXXX, as these months fall outside the scope of the prohibited period mentioned in the proclamation. Despite the clear legal protections in place, Columbia Debt Recovery has consistently engaged in unlawful and unethical debt collection practices by attempting to collect the entire rent debt, including the months covered by the proclamation. These actions not only disregard the emergency proclamation but also raise serious concerns about Columbia Debt Recovery 's compliance with consumer protection laws. I kindly request that the Consumer Financial Protection Bureau investigate Columbia Debt Recovery 's actions in this matter and take appropriate action to ensure they cease all collection attempts for rent debt related to the prohibited period under the Washington State Emergency Proclamation. Furthermore, I urge the Bureau to hold Columbia Debt Recovery accountable for any violations of consumer protection laws and seek remedies on behalf of consumers like myself who have been subject to these unlawful practices. I appreciate your attention to this matter and your commitment to safeguarding consumer rights. I kindly request a prompt response regarding the status of this complaint and any actions taken by the Bureau to address this issue. I am a XXXX student and will be required to apply for student loans, it is of the utmost importance to have this collection amount removed from my credit bureaus and to prevent further unethical actions against any COVID-related individuals facing the same scenario. Thank you for your assistance in resolving this important matter.
11/15/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	VA 22310	Web	Servicemember
The company is trying to collect on an unlawfully claimed debt erroneously claimed by original landlord. The company has failed to do its due diligence to properly validate the claim. The company, therefore, has no basis for collection against me. I moved out of an apartment building called XXXX XXXX XXXX located in Washington , DC and then owned and operated by XXXX in early XX/XX/XXXX. Upon moving out, I provided the apartment in suitable condition minus ordinary wear and tear. I attempted to follow-up with XXXX XXXX XXXX 's office from move-out until XX/XX/XXXX by telephone to confirm they would be returning my security deposit, plus interest, as required by DC law. After failing to respond to my many telephone calls, I emailed the building management on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX before receiving a response. I then had to email XXXX XXXXXXXX XXXX on XX/XX/XXXX before finally receiving a call. During this call, XXXX XXXX XXXX employee ( named XXXX XXXX informed me that they would be charging me for several items of wear and tear ( my characterization ), and to paint the walls - claiming that I had painted them while living in the apartment. I informed XXXX that the claimed items were normal wear and tear, and the apartment walls were the same color as when I moved in - I never painted them. I provided XXXX XXXXXXXX XXXX with proof of the latter. In addition, during this XX/XX/XXXX telephone call, I informed XXXX XXXX XXXX that I would be claiming compensation for property damage caused by multiple incidents of flooding that building staff negligently failed to remedy. On about XX/XX/XXXX, I received correspondence from XXXX corporate headquarters further asserting this unlawful claim. I explained to " XXXX XXXX '' by telephone that the claim was incorrect and I was due my security deposit, interest, and property damage compensation. On XX/XX/XXXX, XXXX XXXX emailed XXXX XXXX XXXX ( and possibly accidentally CCd me ) requesting documentation for the unlawfully claimed charges. I also provided XXXX XXXX with proof of my position ( as mentioned above ). On XX/XX/XXXX, XXXX XXXX indicated they were still waiting on the XXXX XXXX XXXX office to provide documentation. This was the last communication I received from anybody at XXXX on this unlawfully claimed debt. To date, they have not responded to my requests for information or proof of their claim. They have not returned my security deposit ( plus interest ) as required by DC law. I understand the company has now purchased this claim from XXXX, which may terminate XXXX 's claim. I do not believe it validates any claimed debt. Further, I suppose that means my claim is now against the company. Therefore, as stated in my feedback to a previous CFPB claim, which CFPB appears to have closed, I will accept the following as satisfaction of my claim against XXXX and/or the company : 1 ) return my security deposit, plus interest, along with a statement of interest as required by XXXX XXXX XXXX 2 ) {$1000.00} for property damage caused by XXXX XXXX extreme negligence 3 ) {$1000.00} compensation for my time, costs, and enduring this unlawful claim 4 ) apology from XXXX for their unlawful practices 5 ) XXXX to submit the property at XXXX XXXX XXXX XXXX to a full, city and federal health and safety inspection to protect current and future residents from many of the health and safety issues I faced
07/09/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32738	Web
I contacted Genesis Credit on XX/XX/2020 and spoke with debt collector XXXX XXXX. He explained to me that the alleged debt they were trying to collect would be reported on my credit report soon because the original creditor had been trying to collect the debt since XX/XX/2020. I asked specifically if the original creditor had sent us notices and which method they used. He explained it would have been in late XX/XX/XXXX and XX/XX/XXXXand that these notices would have been mailed. He also implied more than one notice had been sent. I cancelled an application to XXXX XXXX ( parent company XXXX ) on XX/XX/2020. On that day I was informed in writing that I would be receiving a refund of {$190.00}. After several attempts to collect my refund I put in a successful credit card dispute on XX/XX/2020. The dispute was for the 2 payments of {$170.00} each myself and my husband made because I was unable to dispute a different amount. Upon request Genesis Credit provided me a Final Account Statement from XXXX XXXX that was dated XX/XX/2020 that was for the money I received for the credit dispute plus 2 non-pay fees. I reiterated in an email to XXXX XXXX on XX/XX/XXXX that " I also want to point out per our phone conversation that you indicated XXXX XXXX sent us letters in XX/XX/XXXXand XX/XX/XXXX( that we never received ) about the money we owed them. From my understanding from both yourself and XXXX XXXX ' Business Manager XXXX XXXX that we are being charged the {$500.00} because we disputed the payment we made with our credit card company. However I didn't make that dispute and reverse the charge until XX/XX/XXXXand they totaled {$350.00}. There's a lot that isn't adding up on this situation. I'd like to reiterate that the letter I recieved on XX/XX/2020 was the only correspondence I received about this alleged debt. '' No reply was ever sent back from him. I have had one other conversation with Mr. XXXX via phone on XX/XX/2020 and again he tried to explain that I was running out of time to pay because they had been trying to get this money since XX/XX/XXXX. Of course per of the Fair Debt Collection Practices Act that states " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt '' I see 3 instances that violate this act. 1.Telling me I owe debt from months prior from when the alleged debt occurred for the purpose of pressuring me to pay the alleged debt. How is it possible I owed money in XX/XX/XXXXand XX/XX/XXXXwhen the credit card dispute and account statement from the original creditor both occurred in XX/XX/XXXX? 2. Telling me invoices had been mailed to me. Because I have not received these alleged invoices despite requests to both Genesis Credit and XXXX XXXX I can come to no other conclusion than this was a false statement. 3. Implying more that one invoice had been sent. All of these instances were misleading, deceptive and false for the purpose of inflating the situation and adding more pressure to pay the alleged debt. It also implied that I didnt have time to dispute the debt because they had been trying to get ahold of me for so long and the time was running out before the alleged debt would be added to mine and my husbands credit report.
09/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32701	Web
( Also sending to XXXX as my dispute is still open with them, but my balance has been increased on my report ) On XX/XX/XXXX I submitted a complaint regarding Columbia Debt Recovery DBA Genesis and their falsification of records. ( I had also filed a CFPB complaint with Columbia directly, I have assumed that XXXX is working off the same response unless they dispute that, the attached screenshot is the response from Columbia. ) on XX/XX/XXXX XXXX reported that my dispute was closed and the records were verified by the debt collector. Columbia claims that the reason they reported 3 separate balances in the month of XXXX is due to accrued interest, and due to the balances being reported on varying days of the month. However, as we all know, accrued interest can only go UP and never DOWN as time moves forward. Had XXXX checked the information I provided previously ( and will provide, once again, for their review and yours ) they would have noticed that the balances reported did not go UP consistently. XX/XX/XXXX Balance reported to XXXX ( additionally, the account was REMOVED from XXXX for this exact same dispute! ) {$8400.00} XX/XX/XXXX Balance reported to XXXX {$8400.00} XX/XX/XXXX Balance Reported to XXXX {$8400.00} There is no physical way that the difference in my reporting between XX/XX/XXXX and XX/XX/XXXX would cause the balance to DECREASE and later INCREASE again. Again, if we are accruing interest at a rate of 6 % it CAN NEVER GO DOWN AS TIME MOVES FORWARD. XXXX has not conducted the investigation on behalf of the consumer, but instead has allowed the debt collector to continue falsely reporting on my credit report. Now for the month of XXXX XX/XX/XXXX XXXX balance is {$8600.00} XX/XX/XXXX XXXX Balance is {$8400.00} I am not seeing the correlation between accrued interest being the cause for different numbers on different days. Nor am I seeing the interest accrued at a standard rate over the course of time due to the difference in accrual/time passed in these two months. -In XXXX the balance managed to decrease by {$3.00} within a one ( 1 ) day period. ( XXXX ) -Balance increased by {$5.00} within a five ( 5 ) day period to {$8400.00} ( XX/XX/XXXX ) XXXX balance increased by {$2.00} in eight ( 8 ) days. The accrual of interest in these figures is not CONSISTENT. Additionally, Columbia Debt Recovery DBA Genesis mentions cents not being added into balances being the cause of variation, which is completely irrelevant. They never once explain how they managed to get a balance to both DECREASE and INCREASE within the same week of XXXX as a result of the 6 % accrued interest. They simply said that is why the numbers are different, however as you can see that explanation is not valid if you simply read the numbers. They did not provide me with any PROOF of the numbers beyond their generic CFPB response which does not even apply to the DECREASE and following INCREASE in reported balances. This needs to be deleted from my credit report, they are not furnishing ACCURATE information or maintaining their records properly. I have included documents for review to verify the dates and figures mentioned, as well as that the item has been deleted from the credit bureau which finished the investigation. XXXX is still open.
10/04/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 787XX	Web	Older American
My wife and I leased an apartment in XXXX Texas call XXXX XXXX XXXX XXXX'. We terminated our lease as of XX/XX/XXXX. However, we were forced to move out early because of the 'Texas Freeze ' in which pipes in the apartment burst flooding our apartment. We were informed that the heat and water would have to be shut off to prevent a fire hazard and that we should move immediately. We vacated on XX/XX/XXXX with apartment manager XXXX XXXX 's consent and verbal approval as the severity of the Freeze resulted in much damage thru-out the apartment complex and living conditions were difficult at best. Upon leaving the flooded apartment, I asked about our rights as tenets under Texas law to a walk thru and adhering to the move-out provisions in the lease. Due to the emergency situation caused by the unprecedented weather conditions, XXXX XXXX assured me that cleaning provisions, and a walk thru would not be necessary since this was an emergency situation. We took her at her word ( primarily because dozens of residents were experiencing the same hardships ). About two months later, while cleaning out some junk e-mails I found several notifications from XXXX claiming that we owed {$390.00}. With a break down of charges that included " Deep Cleaning '' {$100.00} " Broken microwave door '' {$50.00} Nail hole fills in walls {$80.00} and water and trash bills {$270.00}. After our security deposit and final rent the balance came to the aforementioned {$390.00} There was no credit for us leaving 7 days early and obviously they charged us for services we couldn't perform do to the freeze. ( As well as the managers verbal agreement to waive these charges under the circumstances. I sent a letter and complained vigorously that they had broken their word and were now trying to recoup losses at my expense without addressing the manager 's position at the time. I was told that the manager can not amend the lease provisions. However, in the emergency the manager did indeed over rule the lease provisions in order to help the residents during the storm. In XXXX of this year I was notified by e-mail that my account was sold to a debt collection agency - Genesis- I sent them the same information and explained that I was not responsible for these charges since they occurred under duress and were waived by the apartment manager. Since then I learned that the complex was sold to another entity and that all the people associated with XXXX have been terminated. The company Genesis promptly added this to my and my wife 's credit report without consideration of the debt being factually accurate or returning multiple attempts to discuss the issue. This action has caused my family immense harm as our credit scores have dropped over 50 pts each from a respectable mid 700 's to the high 600 's causing me to lose opportunities to purchase a new vehicle at a desirable rate. I 'am under the assumption that Genesis has done this to many people who may have been affected by the Great Texas freeze and are in fact looking for payments on fraudulent claims such as mine. I know it's a small amount of money, but I'm an honest person and I swear to you that paying this blackmail is just wrong. I'm hoping you might be able to help. Thank you XXXX
06/07/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WA XXXXX	Web	Older American, Servicemember
CONTINUED COLLECTION OF A DISPUTED, UNVERIFIED, INACCURATE ACCOUNT, 15 USC 1692g ( b ) CONTINUED COLLECTION ACTVITIES BY REPORTING TO CREDIT REPORTING AGENCIES, WITHOUT PROOF OF DEBT OWNERSHIP. FDCPA, section 1692 ( e ) I discovered that in XX/XX/XXXX Genesis Credit Management , LLC, had supplied the 3 credit bureaus with a damaging and inaccurate claim that I owed a debt to Genesis. I do not owe any debt to Genesis nor I did not receive any previous written notice about this debt and found it myself on my credit report, six months later in XX/XX/XXXX. On XX/XX/XXXX a certified letter was sent to Genesis where I disputed the debt and asked 1 ), PROOF that Genesis actually owned the alleged debt, for 2 ). verification with a copy of a document I signed agreeing that I would owe this debt to Genesis, and 3 ). asked for the 19 pages of validating documents Genesis claimed to have. In a second certified letter to Genesis, in XX/XX/XXXX, I again requested proof they owned the debt and a copy of an agreement creating the debt and the documents they claimed to have.. Genesis did NOT RESPOND at all to either letter, failing to send any proof they own the debt and the right to attempt collection, nor did they provide the documentation and verification they claimed to have. The FDCPA provides because I made timely dispute with Genesis, and Genesis failed to provide debt ownership proof and verification of the alleged debt, that collection efforts MUST CEASE, which includes NOT reporting to the credit bureaus. Under these circumstances, the fact that Genesis continues to report a disputed unverified debt is an unlawful attempt to collect, which are violations of FDCPA, section 1692 ( e ) Also, the Fair Debt Collection Practices Act ( Sec. 1692 ( 1 ) prohibits a collector from reporting to the credit bureaus, unless the debt is authorized by an agreement creating the debt, which has never been produced. Only a furnisher who has a legal right to attempt collection can report to the credit bureau, and Genesis has not proved they own the alleged debt, and thus is in violation of the FDCPA. By reporting to at least the main 3 credit bureaus, every month, Genesis has violated the FCRA and FDCPA 3 times each month, since XX/XX/XXXX, making them liable for each count. ( The same conduct by a debt collector can violate multiple provisions of the FDCPA. Clark, 460 F.3d at 1177. ) This inaccurate, unverified, unlawful entry by Genesis destroyed my previously excellent credit score and caused me to lose the opportunity to move into a low income apartment. I have been damaged in that has caused me to lose money and the chance to live in a place more accommodating to my mobility limitations. I am an ill, XXXX year old single woman, living only on social security, and own no assets or property. In addition, I have phone logs of numerous robo calls Genesis made to me after I communicated my dispute which required Genesis to cease collection activity, and each robocall is a actionable violation of the Telephone Consumer Protection Act ( TCPA ). This negative entry is libelous, defamatory, and has caused me embarrassment, stress, financial loss, and severe emotional and medical distress.
11/12/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WA 98407	Web
The original debt holder, XXXX XXXX XXXX XXXX, mishandled my lease transition information and never updated my lease at the time. I had gotten a job with XXXX XXXX and was moving from the apartment. When I informed the manager, she stated that I needed find someone to take over the lease. I found someone to take over the lease/apartment ; a person/friend named XXXX XXXX. I was to be moving out and spoke with the manager, XXXX XXXX, about the lease update. She agreed to the transition, but needed XXXX information and lease paperwork. We returned the updated lease request. I moved from the apartment later that week and never looked back. Literally YEARS later, I find out that this collection for the ENTIRE lease amount was being sent to collections. I was never notified of the collection, I have zero knowledge of the account or the amount owed. I was never made aware. I believe when the manager could not locate XXXX, they pursued me. I immediately disputed the collection. After investigation, both XXXX and XXXX removed the collection fro my credit profile. XXXX never took it off and time and life dominated my time. I forgot about the collection. A few weeks ago I began looking at my credit profile. I contacted XXXX about the collection. This is where the games and the trash started with the collection agency. The Genesis Credit Management are trying to reset the collection date so they can pursue it for years more to come. I AM QUESTIONING THE COLLECTION TACTICS USED BY GENESIS CREDIT MANAGEMENT COMPANY!!! This is extremely harmful to me and had caused great harm to my life and credit profile. On XX/XX/2020 Genesis Credit Management REMOVED the XXXX XXXX collection account from my XXXX credit profile then immediately the same day put it back on! Genesis Credit Management are attempting to " re-set '' to collection date because it expires in XXXX and must be removed from my credit profile. When this unethical and harassment tactic didn't reset the collection date, on XX/XX/2020 the Genesis Credit Management removed the collection attempt from my XXXX credit profile, but then put it on my XXXX credit profile TWICE and in two different amounts!!! How can they do that?? They placed over $ XXXX worth of bogus collections on my XXXX credit profile!!! Again, they submitted it TWICE in two different amounts, WHICH SHOULD BE CRIMINAL, hoping one the submissions would get a new submission date! This is both illegal and unethical!!! How can a collection agency submit THE SAME DEBT in different amounts??? This doesn't make sense and is illegal!!! XXXX has since removed one of the collection accounts but the other remains. Neither collection should have been submitted, much less excepted by the credit bureaus. The Genesis Credit Management company blatantly broke the law and violated the Fair Credit Reporting Act by submitting a false debt collection to XXXX. This is against the law and I asking someone to PLEASE look into my complaint. The Genesis Credit Management company must obey the law like everyone else. This game of trying to ruin my credit by maliciously submitting the SAME DEBT in different amount and playing " hot potato '' with collection debts can not continue!!!
10/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 20852	Web
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Genesis Credit, a collection agency, for the collection of multiple debts in my name that I did not incur. These erroneous accounts are significantly and unfairly impacting my credit report. Despite multiple attempts to resolve this issue directly with Genesis Credit, they have continually failed to rectify the situation, demonstrating a disregard for the law and my rights as a consumer. I have discovered multiple collection accounts on my credit report attributed to debts that were never created by me. I have sent several correspondences to Genesis Credit, explicitly requesting the immediate removal of these debts from my credit report. However, each time I provide them with requested documentation and evidence, they persistently demand further information or documents, resulting in an endless cycle of requests without resolution. To address this grave matter, I have diligently followed all appropriate procedures for cases of identity theft. I filed a report with the Federal Trade Commission ( FTC ), provided Genesis Credit with the FTC identity theft documents, submitted a comprehensive police report detailing the fraudulent nature of these debts, and furnished proof of residency at the time when these debts allegedly incurred. Furthermore, I have provided them with my identification documents, confirming my identity and disproving my association with these debts. Despite providing Genesis Credit with all the necessary evidence and documentation to prove the illegitimacy of these debts, they persist in their attempts to collect on these fraudulent accounts. Their refusal to rectify this mistake and their continued efforts to collect on these illegitimate debts are clear violations of the law and my rights as a consumer. As per the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and lawful reporting of my credit information and protection from illegal debt collection practices. Genesis Credit 's persistent and unlawful collection attempts on debts I did not create is a direct violation of these regulations. I am hereby requesting the immediate removal of these inaccurate and unauthorized debts from my credit report in accordance with the law. I urge the Consumer Financial Protection Bureau to intervene in this matter, investigate Genesis Credit 's unlawful practices, and ensure that they fulfill their legal obligation to cease collection on these illegitimate debts and promptly remove them from my credit report. Enclosed, please find copies of all correspondences, documentation, FTC identity theft paperwork, police reports, proof of residency, and identification documents submitted to Genesis Credit for your review and investigation. I appreciate your swift attention to this matter and seek a resolution to correct this issue without further delay. Please feel free to contact me if additional information or clarification is required to expedite this process. Thank you for your assistance in addressing this urgent and distressing matter. Sincerely, XXXX XXXX
12/04/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	SC 29607	Web
On XX/XX/2023 I received an email from XXXX regarding reference : XXXX ( see attached ). I sent a debt verification letter that was delivered on XXXX tracking # : XXXX ( see attached ). In this letter I asked for multiple pieces of information to verify the debt. In XXXX Columbia Debt Recovery LLC, dba Genesis added this account to my credit report with the notation that it was under dispute. Today is XX/XX/2023 and I have yet to receive ANY documentation from Columbia Debt Recovery LLC, dba Genesis regarding this debt. They have updated the comments on my collection to say that the debt meets FCRA requirements ( I'll get to that soon ). I did not receive a debt verification letter after 30 days nor did I receive a letter stating that the request would take longer. It has been longer than 60 days and I have received no documentation. THIS IS A CLEAR VIOLATION OF MY RIGHTS. Please review the following : " After completing or terminating a reinvestigation, the CRA must notify the consumer of the results within five business days ( 15 U.S.C. 1681i ( a ) ( 3 ) ( B ), ( a ) ( 6 ) ). The CRA should provide, among other things, a revised consumer report and, on the consumers request, a statement describing the procedures it used to reinvestigate the allegedly inaccurate information ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ) ''. In the letter I sent, you will see I have provided the correct mailing address. Columbia Debt Recovery LLC, dba Genesis also has my email and phone number. There is no excuse to have not received documentation back from them. HERE IS THE SECOND PART OF MY COMPLAINT. I noticed that this account is accruing interest. The law states that a debt collector may only charge interest as it is defined in the ORIGINAL agreement with the original creditor. This is what the original agreement states " You must pay all collection-agency fees if you fail to pay all sums due within 10 days after we mail you a letter demanding payment and stating that collection agency fees will be added if you dont pay all sums by that deadline ''. Columbia Debt Recovery LLC, dba Genesis can not charge interest unless the original creditor mailed me a letter demanding payment that states agency fees will be added. I requested this information in my verification letter, but never received a response. I would like the date the original creditor sent this notice and a copy of the letter. My original agreement also states the following : " This is our policy and procedure for any outstanding balance... We will call you, your family members, friends, work, etc. in addition to knocking on your door in an effort to collect unpaid balances. We will enter your home to check for occupancy daily and may perform other legal remedies for collection, including lockouts and liens ''. Columbia Debt Recovery LLC, dba Genesis can not charge interest unless the original creditor followed their policy and procedure on collecting outstanding debts. To add insult to injury, it seems I was charged twice for water. If Columbia Debt Recovery LLC, dba Genesis actually investigated this, they would have noticed this.
07/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77079	Web
Reporting Agency : Genesis Credit Management Reporting amount : {$3100.00} Original Creditor : XXXX XXXX XXXX I few months back I noticed this negative reporting inquiry reporting to my XXXX credit report and was immediately thrown off because I had never rented from this XXXX XXXX and has no recollection of this absurd amount of {$3100.00} that was owed to XXXX XXXX XXXX. I immediately filed a dispute with XXXX and the results came back as verified. I then attempted to contact Genesis Credit Management to speak about this fraudulent account using my SSN and after XXXX minutes of attempting to locate me using my SSN, address, phone number and DOB, the company was unable to locate an account matching any personal information relating to me. They advised me to continue to dispute the negative information with XXXX so I filed another dispute. This dispute came back verified as well. Frustrated with the out come and the debt collection agency not being able to even locate a matching account, I contacted Genesis Credit Management again and spend about an hour with the agent attempting to locate a account that they could match with me. I expressed my frustration with the agent and he was definitely trying to help, this time they worked with a Supervisor to attempt to locate a account they could match with me. Finally, some good news, they were able to locate something, however the only thing that matched was a First Name and a Last Name and the original creditor being XXXX XXXX XXXX in the amount of {$3100.00}. No matching SSN, address, Telephone number or any other personal information. The DOB was completely different and not mine and they notified me that it was a joint account and if I knew ( XXXX XXXX names I was unfamiliar with ) and I responded with a definite No. They suggested that I continue to dispute it with XXXX so immediately after the call I disputed it again. And yet again, they came back with the same outcome, that upon completion of their investigation, the outcome was Verified and belonged to me. At this point I was frustrated with whatever method of verification was being used because if it took me and the agents who worked for the collections company multiple attempts to locate me in their systems, then how was the verifying company able to just use a first and last name, no matching SSN, DOB, phone or address to consider the account validated and worth reporting negatively on my credit report. Its really frustrating that this has taken several months to attempt to get a solution to this problem so I hope that you can forward this message to the appropriate companies and organizations to get this negative reporting inquiry removed from my credit report asap. I have been working hard to build my credit report up and having this negative inquiry greatly affects my options. Im a small business owner and in order go get approved for a small business loan, the first thing Lenders want to see is my credit report. I would like to thank you for your assistance In making sure this gets to the appropriate companies to finally get a resolution. Thank you.
09/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38133	Web
I am writing to formally dispute the validity of a debt reported by Genesis Credit Management on my credit report. I am requesting your immediate intervention in this matter to investigate and remove the debt from my credit report as it is not mine. I have recently obtained a copy of my credit report from XXXX, XXXX, and XXXX, and I was surprised to find an entry for a debt from Genesis Credit Management listed as outstanding. I have thoroughly reviewed my financial records and can affirm, without a doubt, that I have never had any business transactions or contractual obligations with Genesis Credit Management. I understand that under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to ensure the accuracy and verifiability of the information they report. Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has been established to enforce the provisions of the FCRA and protect consumers ' rights. In light of the above, I kindly request that you initiate an investigation into the following matters : Provide a detailed verification of the debt, including the original creditor, date of inception, and any supporting documentation that substantiates the legitimacy of the debt. Verify that Genesis Credit Management has followed all required legal procedures in attempting to collect this alleged debt. Confirm that Genesis Credit Management has complied with all relevant statutes of limitations pertaining to the collection of this debt. Provide evidence of any contractual agreement or documentation with my valid signature, binding me to this alleged debt. I would also like to inform you that the inclusion of this erroneous debt on my credit report has had a significantly negative impact on my creditworthiness and financial well-being. It has affected my ability to obtain credit, secure favorable interest rates, and may have implications for future employment opportunities. I believe it is paramount to rectify this issue promptly to mitigate any further harm caused by this false reporting. Should this dispute not be resolved in a timely manner or if the debt is not conclusively proven to be valid, I will be compelled to pursue legal action to protect my rights under the FCRA, including but not limited to filing a complaint with the CFPB, engaging legal counsel, and seeking appropriate remedies available under the law. I appreciate your immediate attention to this matter and request that you provide me with written or emailed confirmation of the receipt of this dispute within XXXX days from the date of this complaint. Additionally, I kindly request that you keep me informed of the progress of your investigation and provide me with a detailed response within XXXX business days. Thank you for your prompt assistance in this matter. I trust that the Consumer Financial Protection Bureau will act diligently and impartially to resolve this dispute and protect my consumer rights. I look forward to a favorable resolution and the removal of this incorrect debt from my credit report.
01/17/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75089	Web
I received a letter from the debt collection company and sent back a certified mail correspondence asking for proof that they have the right to collect this debt. This was ignored, and a negative impact was made on my credit score. I sent out a second correspondence by certified mail asking again for proof or documentation. I received a letter back where they claimed that I was arguing the debt was fraudulent and asking for a police report. This is an intimidation tactic and unlawful. This creditor violates the sending/ delivering of any form or notice that does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801, sec. 809 { b } et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. Below the creditor did not provide the following ; Explain and calculate the amount owed : Provide me with copies of any papers that show that I agreed to pay the amount you are stating is owed : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not yet expired on this account : Provide me with the license that you are allowed to collect within my state : Provide me with your license numbers and Registered Agent or Agent of Service/s. The creditor has consistently sent me a bill unrelated to the list above, dismissing [ 15 U.S.C. 6801, sec. 809 { b } et seq. ], requirements. So, I am not responsible for this debt, and this creditor is in violation due to a lack of due diligence under [ 15 U.S.C. 6801, sec. 809 { b } et seq. ], of not providing the proper documents. The {$240.00} collections from Columbia Recovery Services are ordered to be removed from all three credit bureaus. Per 15 USC 1692b ( 2 ), XXXX XXXX XXXX XXXX violated my rights by sending me a letter stating that this was an attempt to collect a debt ; this is considered a violation. For this violation, 15 USC 1692k states any actual damages sustained by the consumer. I have suffered financial and psychological DAMAGES from this company violating me. By 15 USC 1692b ( 5 ), XXXX XXXX XXXX XXXX has violated my rights by sending me a letter with a symbol within the context indicated there in the business of collecting a debt. This is considered a violation. 15 USC 1692k States any actual damage or { {$1000.00} } dollars fine. By 15 USC 1692, XXXX XXXX XXXX XXXX violated my rights by furnishing deceptive forms attempting to collect an alleged debt. This company still needs to validate this debt. XXXX XXXX did not send the proper documents to validate this alleged debt. I asked this company to send the verification method and my wet ink signature. P.S. This Collections is NOT Licensed to collect any debt in XXXX, XXXX.
11/10/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	CA 902XX	Web
There was a technical error in the property manager 's rent collection software. It debited the wrong amount from our account, resulting in a late fee of {$470.00}. This was part of an outstanding balance of {$750.00}. On move-out day, I spoke in person with employees of XXXX about the error, and they informed me that they would correct this error. I informed them I would pay the outstanding balance when they made the correction. Move out date was on XX/XX/XXXX. They did not make the correction. They instead called me twice on my cell phone over the next few months trying to collect. Both times, I informed them of what happend, and both times they agreed to call me back when the issue was corrected. They did not correct it. On XX/XX/XXXX, I received a letter in the mail from XXXX demanding payment again. I contacted XXXX as requested by their email with the following email : Hello XXXX team, Today I received a letter in the mail stating that we have an outstanding balance of {$750.00}. On our last day in the building we had a conversation with the leasing office about the late payment. The late charge was a result of an error in XXXX. On XX/XX/XXXX I pre-paid what XXXX said was due. Unfortunately, for the month of XXXX the rent was at a higher rate ( as per our agreement ). However, XXXX on the day before had not yet updated the change. When I spoke with the leasing office they were understanding and told us that they would remove the outstanding late fee and then email us once it was corrected. However, it seems as though they must have forgotten to do so. I promised to pay the outstanding balance once this was corrected. With the late fee removed and the additional {$15.00} dollar late fee the balance should be {$280.00}. We are happy to pay this once the late fee is removed. Best, XXXX and XXXX They acknowledged receipt with the following : Hello XXXX and XXXX, Thank you for your response. However, we are unable to locate an account in our office here at the XXXX Receivables Department. Please inform us of your unit number, the name of the community you had moved out of, the moveout date, and/or your statement account number, if available. With this information I will be able to research your move out account. Thank you, XXXX XXXX Support Specialist, Receivables Department Greystar \| XXXX XXXX XXXXXXXX \| XXXX XXXX WA XXXX o XXXX \| XXXX \| XXXX To which I replied : Hey, we just moved out of XXXX XXXX in XX/XX/XXXX On XX/XX/XXXX I received another attempt to collect the same debt. Unfortunately I don't replly until XX/XX/XXXXXXXX since I didn't notice the message until later. When I replied that I would like to speak to a representitive about the debt to dispute it, I didn't get a reply. Afterwards I received calls from Genesis credit attempting to collect the debt. I disputed the debt, forwarding them the email correspondence. However, they just denied the dispute without explanation.
10/27/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	WA 98168	Web
On XXXX XXXXXX/XX/XXXX - I received an initial notice of collection from Genesis for a debt that was paid for back in XXXX total {$700.00}. I then requested for a debt validation request on XX/XX/XXXX which the company sent back the requested document on XX/XX/XXXX. Upon closer inspection, I noticed that there was several discrepancies such as missing payments that was not recorded properly. I then followed up with the receipt of proofs showing that I had paid for the initial deposit. On the same report, there was also proof of credit reversal approval from the leasing company back to us which was then reverse again to shown that we owed that amount. I consulted with an attorney and here is what was written back to the collection company " On XX/XX/XXXX at approximately XXXXXXXX XXXX I contacted your office seeking an update on my ongoing matter, which was previously discussed with XXXX on XX/XX/XXXXXXXX XXXXXXXX had informed me during our previous conversation that he would contact the XXXX to provide further clarification regarding the charges in question. However, to my surprise, XXXX stated that there was no record of XXXX 's commitment to reaching out to the XXXX on my behalf. In light of these conflicting accounts, I felt it necessary to consult with legal counsel regarding this debt collection attempt. The attorney I consulted with carefully reviewed the evidence provided, including receipts and the ledger sent by your team. Based on their analysis, it has been determined that this debt collection effort lacks validity. To be absolutely clear, according to the available evidence, I do not owe any additional payments to the XXXX. Given this conclusion, I kindly request an immediate cessation of all debt collection activities related to this account. To provide further clarity and transparency, I would like to outline the timeline of events as follows : XXXX XXXX XXXX ] : Receipt payment for {$400.00} and {$200.00} ( attached in the earlier email ) totaling {$600.00} in deposit. Notably, {$200.00} of this payment did not reflect on the ledger. XXXX. [ XX/XX/XXXX ] : Lease cancellation; Spoke to an agent from the leasing company named XXXX XXXX to request for a refund. XXXX. [ XX/XX/XXXX ] : Approval of a {$400.00} reversal, which my attorney has noted is an admission by the leasing company that they approved the refund and can not subsequently reverse it. XXXX XXXX XXXX XXXX : Forfeit of deposit amounting to {$100.00}. My attorney has clarified that, as we did not move in and no lease term obligates us to pay {$100.00}, this forfeiture is not valid. '' I had spoken to their reps several times and email them to no avail. I was told by the agent that because there was a requested chargeback from the credit card company for which I requested for those receipts which they had ignored. I did not received any payment from the leasing company as per what the collection agency has said.
09/07/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	VA 241XX	Web
My husband and I rented an Apartment at XXXX, from XXXX. We lived in the complex for over XXXX years. In XXXX of 2022, I contacted the property manager to find out if we were allowed to sublease as I needed to move due to a family member being ill. My husband was not moving at that time as he was finishing his last few years of employment with the XXXX XXXX XXXX XXXX XXXX Our original intent was to either sublease the apartment or to find roommates to share the apartment with my husband. I was informed by both XXXX XXXX the apartment manager and XXXX the assistant manager that as long as I gave 2 months notice, the termination fee would not apply. They were very clear on this. Following is an excerpt from the letter I sent disputing the charges : Since I was a few days short of XXXX months, XXXX did warn me that I may be responsible for additional XXXX rent if the unit did not rent on the XX/XX/XXXX. To this end, we gave possession of the apartment back on XX/XX/XXXX in order for it to be made ready for an XX/XX/XXXX release. We would not have vacated the apartment if I had known that the termination fee would still apply, as I had other options that would have worked as well. We want to point out that, as to re-leasing our apartment, this was not done in good faith, as the rent was increased by over 30 %, this increase would account for the apartment not be released as of XX/XX/XXXX. Additionally, please detail the damages and provide documentation for all additional fees you are attempting to charge us. For the painting fee, please provide documentation as to the usual cost of repainting a XXXX bedroom and the cost of repainting ours. As we paid the monthly utility fees at the beginning of each month, there should be no additional charges there either. We sent the above information in response to a bill I received from XXXX stating that I owed $ XXXXin the letter I stated that I disputed this amount. After they received my letter I received several phone calls attempting to get me to pay the {$5700.00}. Each time I reiterated that I had disputed the amount and would refer to my letter and stating that they had never responded. Several months ago I received a call from a collection company named XXXX. I tried to explain the situation to them, sending them a copy of the letter I originally sent to XXXX and asked that they contact me via mail so that I could have a paper trail regarding our contacts. Now, rather than contacting me or responding to my email, the " debt '' has shown up on both my husband 's and my credit reports. I will be disputing it with the credit report company. I am submitting this complaint because it seems wrong that they can just proceed with the debt collection knowing full well that I was disputing the amount and without anyone ever replying to my dispute letter. Thank you. XXXX and XXXX XXXX
11/04/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 38125	Web
I had damages on my credit report. This is a defamation to my character. I have disputed this collection several times with the XXXX XXXXXXXX and XXXX credit agengies but it has came back as verified. That is not accurate. I've requested that the creditor send me the original contract to prove this debt to be mine. All of my request have gone unanswered. I have not been supplied the doctrine of estopper by silence, egnlehardt v graven ( mo ) 281 sw, 251, 719, 1 presume that no proof og the alleged debt, nor therefore any such debt, in fact exists. This is holding me back from moving forward in life. In no way can this debt be mine. This creditor is reporting different amounts of debt on all three credit reporting agencies. Lets start with XXXX. the account number is different that all the rest. it is reporting as {$3200.00} GENESIS CRDT Account details Account Number XXXX Date Opened XX/XX/2023 Last Activity XX/XX/2023 Original Creditor XXXX XXXX XXXX XXXX Monthly Payment {$0.00} Term Source Type Current Rating Collection/Charge-off Status Open Type JointContractualLiability High Balance {$3100.00} Unpaid Balance {$3200.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Dispute Resolved Reported By Grantor Account details No History Is Available Collection agency GENESIS CRDT but on XXXX it says {$3200.00} GENESIS CREDIT MANAG Account details Account Number XXXX Date Opened XX/XX/2023 Last Activity XX/XX/2023 Original Creditor XXXX XXXX XXXX Monthly Payment {$0.00} Term Source Type Current Rating Collection/Charge-off Status Open Type JointContractualLiability High Balance {$3100.00} Unpaid Balance {$3200.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating No Data Available Comments Account details No History Is Available Collection agency GENESIS CREDIT MANAG, then on XXXX it has a totally different name. It says {$3200.00} XXXX XXXX XXXX Account details Account Number XXXX Date Opened XX/XX/2023 Last Activity XX/XX/2023 Original Creditor XXXX XXXX XXXX Monthly Payment {$0.00} Term Source Type Provided Current Rating Collection/Charge-off Status Closed Type JointContractualLiability High Balance {$3100.00} Unpaid Balance {$3200.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Account Seriously Past Due Date/account Assigned To Attorney, Collection Agency, Or Credit Grantor 's Internal Collection Department, Account Previously In Dispute - Now Resolved - Reported By Subscriber Account details then says that it went into collection or charge off in XXXX and also reported in XXXX none of the other credit agencies has the months reported. this is not correct. this is fraudulent. Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
07/18/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 95128	Web
My wife and I rented an apartment from XXXXXXXX XXXX in XXXX from XX/XX/XXXX to XX/XX/XXXX. We noticed " admin fees '' were being added to our rent each month for roughly {$180.00} and when we asked what it was for, we were told not to worry about it because they would be reimbursing us for these fees in the form of gift cards and we were also told these gift cards could be used to pay rent. See XXXX. XXXX email from XXXX XXXX on XX/XX/XXXX. These cards were to be issued by a 3rd party called XXXX XXXX, a company that XXXX partnered with to provide gifts to their residents and seem to be doing business with them regularly. In the email attachments included, you will see that the gift cards, in fact, were not able to be used for rent when trying to apply them to my debt multiple times. I have documented pictures and proof of the cards not working and her team letting me know they should work and they would be contacting the company. See XXXX XXXX with error messages I was getting from their website attempting to use the gift cards and sending this to the leasing team. I sent the emails containing the gift card links back to the leasing office as soon as they didn't work. I was told they would work with the company to address this issue and I had to continuously follow up with them for a few months until I finally heard back in XXXX. On XX/XX/XXXX, XXXX, the manager, informed us that they requested the gift card balance be sent back to them to apply directly to our account. I followed up with them for a month and received no response. On XX/XX/XXXX, XXXX informed me that management would apply a concession in the amount of {$2300.00} as per her email on XXXX XXXXXXXX. At this time, I did nothing with the gift cards as we were told that management would be removing the credit from them and using it towards our concession. 2 months went by and we heard nothing from from so I followed up as our lease was coming up and they had our security deposit and had not issued the concession they were claiming we should've received in XXXX. I was ignored and when we moved out, they didn't mention the gift cards again. Before we moved out, I let them know again that they failed to send us the concession that was promised in XXXX and that they could take that money and apply it to the last month rent as we did not want them stealing money from us. They finally replied to us, after we moved out, claiming they reached out to XXXX XXXX to reissue gift cards, which never happened, and that we still owed them money. And then, last month, I was contacted by Columbia Debt Recovery and was informed that I owed them the remaining balance of {$2200.00} and it was starting to accrue interest. I pled my case to the credit bureaus but they could do nothing so I'm hoping this can help resolve what I believe is not my debt to pay.
08/29/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	IL 60423	Web
As required by the City of XXXX Fair Notice Ordinance ( attached ), The XXXX failed to provide me with the required 60 days notice prior to my lease ending to raise the rent on the following contract ( copy of lease and renewal communication attached ) : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX My lease was to run from XX/XX/XXXX - XX/XX/XXXX. The renewal terms with significantly higher and unaffordable rates were not extended until XX/XX/XXXX XXXX days prior to our lease ending. At the time, I contacted the manager and let him know that we planned to stay had the lease terms not gone up over 30 % plus an increase in utilities from my original terms. The month to month would be over 70 % increase. I let him know it was simply not affordable for a college student. I also informed him that we were now outside of the 60 day notice period to vacate since these terms were not shared timely. Therefore, the property chose to exercise the 30 day notice to vacate option in my lease terms ( see attached lease section 3 ) I provided a written notice to vacate on Thursday XX/XX/XXXX to the front office ( attached copy ) in accordance with the cut-off time indicated by the manager. I referenced that cut-off time in a subsequent email to the property manager ( no longer with the company ). Subsequently on XX/XX/XXXX I received a request to complete a notice of intent to move with my forwarding address which I completed and submitted immediately. I indicated a move-out date of XXXX on the original request but subsequently moved out on the last day of the lease XXXX/XXXX, completed the move-out inspection, and dropped off the keys. To my surprise, at the end of XXXX I received an email that at first glance appeared to be phish. It was a bill for over {$2000.00} with no explanation. I requested info and was told it was due failure to provide proper notice. In addition the property logged a move-out day of XX/XX/XXXX. This is totally false as the keys have been in their possession since XX/XX/XXXX which is the same day that I moved into my new apartment. The address was provided to them ( see attached ). When asked for a copy of move out records including record of receipt of keys, I was informed that the previous site manager was no longer employed. I did everything that I was supposed to and deem this collections effort to be fraudulent and at a minimum a gross oversight by their administration team. On XX/XX/XXXX I received an adverse action to my credit on behalf of a collections agency Columbia Debt Recovery DBA Genesis that did not notify me until Tuesday XX/XX/XXXX via email ( not mail ) that they have the debt. I have attached a screenshot of the email which appeared like spam. I had to look the business up and was in the process of reading reports of unfair collections practices.
10/27/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	CA 92618	Web
On XX/XX/XXXX I received an email notification from Columbia Debt Recovery LLC, dba Genesis that this company was attempting to collect a debt they claimed I owed to a previous landlord, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA ) in the amount of {$1100.00}. I intended to dispute this debt because I believed the amount was legally unjustified given that it was incurred only because I had failed to give 60 days notice of intention not to renew my lease. I was surprised at this initially because I had never even heard of a notice requirement anywhere close to that long and I thought the 42 days ' notice I gave was plenty. At any rate, I went to the Consumer Financial Protection Bureau 's website to get some advice about how to respond and I downloaded a form letter ( the Debt Validation Letter ) with all the appropriate requirements and filled in the specifics for my situation. I printed out the letter and sent it by certified mail to the address listed for Columbia Debt Recovery in the initial email I had received on XX/XX/XXXX. I sent the certified letter on XX/XX/XXXX, which was well within the time frame outlined for a response in the email I received from Columbia Debt Recovery ( it said a response must be received by XX/XX/XXXX ) and I subsequently tracked the certified letter, which the XXXX shows was delivered on XX/XX/XXXX at XXXX am. I never received any written response or any response that I can discern or recall at all from the debt collection agency in question. Today, XX/XX/XXXX, I was notified by the credit monitoring service to which I subscribe that Genesis Credit Management reported a collection in the amount of {$1100.00}, and of course, my credit score has taken a substantial hit as a result of this. My understanding is that debt collectors are not legally permitted to report debt collections to credit agencies when they have a received a Debt Validation Letter and given that the letter I sent was delivered according to USPS and that the address to which I sent it was the address I found on the email I was originally sent for the debt collection, I do not understand why this could have legally occurred. I am fairly confident that what this debt collector has done is a violation of the Fair Debt Collection Practices Act and I want to ensure that this company is properly reprimanded, that it will not do this in the future to other consumers and that I am made whole by the harm that has been done to me because of this company 's illegal behavior. I have documentation to prove everything that I have stated occurred as I have explained. I contacted the debt collector today by phone and they claimed ignorance and asserted that I had made a mistake and that they had done nothing wrong. Needless to say, I was not happy with the interaction.
04/16/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 91325	Web
I don't know who Genesis company is, or why this debt has appeared on my file. I had no debt after moving from XXXX and I do not know what debt this company is trying to collect on. This company has not notified me or contacted me regarding this debt or given me a chance to dispute it's validity, before putting a collection ( which is a negative mark that lowered my fico score ) on my file. There had been carpet damage that the renters insurance that I had, was willing to pay for and they contacted XXXX at XXXX XXXX to discuss it ( I also have email thread ) XXXX told them theres was nothing to bill for. XXXX told me that since they were renovating the unit and putting in hardwood floors, that nothing is due. Now, they are going back on that. So with that said, they need to deal with the insurance company however, I don't see how a building could charge for carpet when they've installed hardwood floors, so that's something to look in to by the insurance company. XXXX also received monies from the Housing Authority for any arrears before I moved out when my lease was up. I was not made aware of any monies owed at the time of my move out. Furthermore, XXXX XXXX XXXX had a Security deposit from me which to date, has never been returned. UDR which is the billing company for XXXX had been trying to bill me for something that insurance was trying to pay. Initially, XXXX said nothing was owed. The insurance company even contact them and was told this. I have proof in the form of email communication thread. I'd like to be able to include this in support of my complaint. My last correspondence was asking them to let me know any TRUE amount due after they worked out whatever they needed to with the insurance company and no onee ever got back to me. It is my belief that they were trying to charge me for carpet never installed but didnt want to have to prove that ti the insurance company. It is my belief that they are making false charges and this company named Genesis is trying to collect on those false charges on their behalf. The reason why I believe that these are false charges is because : 1. The property management XXXX told me that there would be no carpet charges because they were renovating the unit to hardwood floors 2. When the insurance person called to try and settle any charges, there was no outcome 3. They are trying to collect from me rather than the insurance company. 4. They are doing bogus billing which is why they are trying to collect from me, rather than the insurance company, for something that the insurance stated that they would cover however, the building renovated to hardwood floors, no carpet and they are trying to charge me for carpet never installed. Had this been a true claim, they could have submitted for payment with the insurance company.
10/23/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	DC 20011	Web
On XX/XX/XXXX, XXXX XXXX from Genesis credit reached out to me regarding an outstanding debt to XXXX XXXX for an apartment I vacated back in XXXX. The representative requested I pay the amount of {$2600.00} quoting an invoice the rental company sent in XXXX of XXXX. Said invoice charged an alleged unpaid month of rent, XX/XX/XXXX. I explained to him that the invoice he was using was preceded by a redacted invoice sent in XXXX of XXXX where the rental company accredited the month of rent for the amount of {$2100.00} which was the result of a promotion the company had that consisted of the first month of rent being free if I moved in within a certain date but their system wasn't updated properly and it didn't recognize the unpaid first month as part of the promotion but rather tagged it as unpaid. After I reached out to the company, they provided the credit under - Unapplied Payments/Credits on XX/XX/XXXX, with the credit description of " rent '' thus confirming this was an error on their end and bringing down the balance to a total of {$410.00} I explained this to the representative, and he stated that this information was irrelevant to his duty because his only job was to " collect the debt ''. I have sent him my statements showing the rent payment and I have provided the redacted bill from the rental company, but he claims that I must pay the {$410.00} in full for him to validate my dispute and it is required for me to show " good faith '' by paying this in order to him to investigate. I stated I do not feel comfortable paying this amount without him properly validating and adjusting the claims and he said that if I refuse to pay, he will note my account as " refused payment '' and he will send me directly to the credit bureaus. I feel this is abusive in his part, as a representative of a debt collecting agency, I feel it's his duty to validate my claims specially having provided him with evidence that support my dispute and I feel coerced into making a payment without being given the courtesy to validate my claims. I am afraid that after I make the payment, he is demanding he will not move forward with investigating my claims and then I will still be sent to collection for the amount I'm being wrongfully charged. In the three interactions I have had with this employee, he has used every tactic in the book, manipulation, intimidation and coercion to try to get me to settle and pay the amount he deems appropriate. If they are doing this to me, they're most definitely attempting to take advantage of others, I have the fortune of working in Finance which allows me to know better than to give in their tactics, but what about those who are not familiar with their rights? They get taken advantage of or worse, sent to collection without due process.
09/17/2023	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CO 802XX	Web	Servicemember
Columbia debt recovery LLC dba Genesis at XXXX XXXX XXXX, XXXX WA XXXX unlawfully reported to all credit bureaus agencies alleged debt as they claim for apartment complex in XXXX CO my previous residential place of living. Company listed above never notified me properly of what kind of debt were they trying to collect, suddenly after nearly 6 years for the first time I was notified from multiple federal agencies of collections placed on my credit as derogatory debt and that Columbia debt recovery LLC Genesis sold my information to third parties including dark web sites where my personal information are stored including social security number etc. I received one email from above listed company after they illegally already reported alleged debt to credit bureaus, I immediately replied and explained of what took place and that alleged debt is fraud. There was no response, in heated phone conversation service representative was injecting false claims without any legal factual evidence. He claimed debt was for unpaid rent which is not true because the XXXX XXXX XXXX in XXXX CO managed by XXXX breached the contract by sending 30 days move out notices and demand of move out notices meaning nobody cant continue residency there, owners and its managers broke the lease contracts not me, XXXX XXXX property manager sent move out notice to my door in XXXX, management by XXXX were engaging in deceptive practices and breaching Colorado warrant of Habitability Act. Apartment building was unfit for livable conditions and it was shut down by Federal Court order and its still shut down to this day. Owners knew even before that property was not fit for livable use, there was multiple lawsuits filed against them including criminal negligence for violating several federal and state laws. My unit was set up for automatic payments and the grand complex management unlawfully and fraudulently charged my bank account by withdrawing money without my knowledge or consent especially for the months I didnt reside on that property, therefore I had to escalate the case with local authorities and bank investigators investigated the case and concluded that management stole my money and they committed fraud. The grand apartments and its owners including management breached the legal contract not me they requested to move out and sent legal documents and demands to move out within 30 days and unlawfully continued to charge people for rent where we didnt live anymore, thats why they were sued. Columbia debt recovery Genesis violated FDCPA 15 U.S. C. 1692 ( j ) ( d ), therefore if immediately such fraudulent account is not removed from all credit bureaus I will immediately proceed with legal action against Columbia debt recovery LLC Genesis at XXXXXXXX XXXX XXXX XXXXXXXX XXXX
01/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32256	Web
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. CEASE AND DESIST- Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : XXXX out the balance on this account. Deletion from all consumer reports. Best regards, XXXX, XXXX 1. Name and address of alleged creditor. 2. Name on file of alleged debtor. 3. Alleged account # 4. Address on file for alleged debtor. 5. Alleged account # 6. Amount of alleged debt. 7. Date ( this alleged debt became payable ). 8. Date of original charge or delinquency. 9. Was this debt assigned to a debt collector or purchased? 10. Amount paid if debt was purchased. 11. Commission for debt if collection efforts are successful.
06/05/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	PA 15317	Web
I do not have written correspondence from this collector, nor notice from them regarding this matter. Amount Due In Question - I received more than XXXX different amounts, when contacted by the creditor, about an amount being due, which also differ from the {$320.00} which was reported by the collection agency. - Ledgers provided from creditor include handwritten entries and charges which were added after the date of my move out Prior to this becoming a debt, several attempts were made in XXXX to resolve with the creditor including : -Email to property manager inquiring of security deposit refund -13 calls made to property and billing department which were unanswered and unreturned. Attempted Resolution With Creditor ( Prior to Debt ) Amounts owed and outstanding were to be sent via mail to the forwarding address which was provided to Creditor. Per the lease agreement, this would occur within 30 days upon move-out ( my move out date was XX/XX/XXXX ). Upon move-out, the property signed my move out forms, and I was not aware or notified of any balances being due. I had not received correspondence of balances due, nor did I receive my refunded security deposit. Because of this, I reached out to the Creditor directly via email ( first email sent XX/XX/XXXX and no response ) and multiple calls. I did not receive a response on any of these attempts. Communication regarding any outstanding amount was not received until almost 2 months later. This included amounts that were charged to my account after the date of my move-out. After several attempts to resolve, I contacted an attorney ( XX/XX/XXXX ) who further advised that this was a landlord-tenant issue, and that Creditor was in violation of the lease agreement. Had I been notified of past due amounts- whether upon move out or within the 30 days of moveout - I would have immediately paid this amount. It was not until I reviewed a change in my credit report that I had knowledge of this being submitted as a debt, or that the debt was with the Collection Agency reporting it. This has not only negatively impacted my credit score, but also has halted my husband and my plans to submit loan applications in the near future. In neither case did XXXX nor this Collector provide me with proper forms of notice. I feel it would be very unfortunate for any consumer to be penalized for a business negligence. Not only was I persistent in attempts to resolve this prior to being submitted as a debt, but I have no written correspondence from this Collector. I make every effort I can to pay my accounts on time, and have done so consistently because keeping my credit in good standing is extremely important to me.
05/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30122	Web
XXXX XXXX XXXX XXXX XXXX, Apt XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2023 COLUMBIA DEBT RECOVERY LLC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Cease and Desist Communication Pursuant to FDCPA, Title 15 USC 1692a ( 6 ) and Title 15 USC 1692c ( c ) Dear Sir/Madam, I am writing to you in regards to the communication I have received from your company, Columbia Debt Recovery LLC , doing business as XXXX regarding an alleged debt. This letter serves as a formal notice demanding that you immediately cease and desist all communication with me through ALL and ANY MEDIUM except for communication of remedies for XXXX XXXX, the natural person and consumer, via EMAIL ONLY, as outlined under the Fair Debt Collection Practices Act ( FDCPA ), specifically under Title 15 USC 1692a ( 6 ) and Title 15 USC 1692c ( c ). Pursuant to Title 15 USC 1692c ( c ), I dispute the ALLEGED debt and refuse to pay the ALLEGED debt. According to my rights as a consumer under the FDCPA and pursuant to Title 15 USC 1692c ( c ) ( 2 ), I am entitled to request the following remedies : XXXX out the balance of this account. Provide XXXX XXXX, a consumer and natural person, with documentation showing the account was zeroed out via email. Cease and desist reporting of the debt collection activity to all consumer reporting agencies before and after this date of XX/XX/2023. Remove ANY AND ALL reporting of the debt collection activity from all consumer reporting agencies. I expect full compliance with this request within fifteen ( XXXX ) days of the receipt of this letter. Failure to comply with this request will leave me no choice but to pursue all available legal remedies under the FDCPA and any other applicable laws to protect my rights. This may include filing a complaint with the appropriate regulatory agencies and seeking legal action against your company. Please be aware that any further communication from your company after receiving this letter will be considered a violation of the FDCPA and may be used as evidence in legal proceedings against Columbia Debt Recovery LLCXXXX XXXX XXXX Kindly confirm in writing that you have received this cease and desist letter and have taken the necessary actions to halt all communication in relation to the alleged debt. Please note that any further contact or attempt to collect on this debt without providing proper validation or proof will be considered a violation of the FDCPA. Thank you for your immediate attention to this matter. I trust that you will respect my rights as a consumer and comply with this request. I look forward to receiving your written confirmation. Sincerely, XXXX XXXX XXXX XXXX and Consumer
07/16/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 20852	Web
XXXX at XXXX sent an eviction email to all residents during covid who were not able to pay their rent. The eviction date was XXXX XX/XX/2020, I moved out XXXX XX/XX/2020. The attached letter from Columbia Debt Recovery LLC, DBA Genesis, charges me for rent in XXXX, XXXX, XXXX, and XXXX, even though I had moved out. It also looks like they charge me for rent in XXXX, XXXX, and XXXX, but those months were paid. I have asked numerous times for XXXX ) proof of nonpayment and XXXX ) explanation of the amount due, but have not received any information. Every time I call to speak to someone, the person I spoke to before is never available, and I have to explain everything all over again. I just want an explanation of the debt but they keep avoiding answering my questions. XXXX sent to credit bureaus disputing the amount and requesting debt validation. XXXX received from company, does not validate debt, only lists amounts with no specifics. XXXX called Columbia Debt Recovery LLC , DBA Genesis XXXX and spoke to XXXX XXXX XXXX informed her the information on the debt validation letter was wrong. I moved out of the property XXXX XX/XX/XXXX, per the eviction email sent to all residents. XXXX was not aware of the eviction email, I sent her a copy, but she never replied. XXXX called Columbia Debt Recovery LLC , DBA Genesis XXXX and spoke to XXXX XXXX XXXX XXXX him I never received a response from XXXX. I again requested debt validation ; he said it takes 15 days. XXXX called Columbia Debt Recovery LLC , DBA Genesis , spoke to Sam, he said XXXX and XXXX were not available. I asked for a follow-up to my debt validation request, he said they already sent it to me. I informed him the information was incorrect, and I requested a breakdown of the amounts. He said their office requested the information from XXXX at XXXX, and it can take up to 30 days, but could not tell me when the 30 days started. I mentioned it had been more then 30 days since I spoke to XXXX and asked him for the exact date of that request. He said he could not provide that date because I am not their only case, and to I am not their only case, and to call back later. XXXX called Columbia Debt Recovery LLC , DBA Genesis , spoke to XXXX, she said XXXX and XXXX were no longer managing my case, and XXXX was as of today. I informed here the information provided was incorrect and requested a breakdown of the amounts. She said they requested that information in XXXX but could not give an exact date. I said I will call back in the beginning of XXXX, that would be more than 30 days after speaking with XXXX and XXXX.
07/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 10016	Web
Approximately XXXX years ago, my landlord ( XXXXXXXX XXXX ) and its management company ( XXXX ) attempted to increase retroactively the rent on my apartment by {$500.00} per month, in contravention of the amount set forth in, and the terms of, my lease. I immediately disputed their attempt and pointed out the provision in the lease documents that expressly stated my monthly rent amount. XXXX ignored the documents and, when I moved out of the apartment 6 months later, they continued to attempt to force me to pay the aggregate {$3000.00} that they created out of thin air. Earlier this year, after multiple emails and phone calls over the past XXXX years in which I repeatedly provided XXXX employees with the lease documents proving I did not owe the amount they alleged, XXXX XXXX hired a debt collection agency named Columbia Debt Recovery dba Genesis to attempt to collect the alleged debt. Genesis filed a collections account with XXXX ( and presumably the other credit bureaus ) asserting that the alleged amount was owed and in collections. 6 weeks ago, when I checked my credit report and first saw the so-called collections account, I immediately called Genesis to inform them that the amount was not owed, per the terms of my lease. At that time, I emailed to Genesis copies of the lease documents and the ledger that I received from XXXX showing their fraudulent attempt to increase my rent. I have had numerous emails and phone calls with Genesis in the past several weeks, during which, among other things, an employee of Genesis confirmed that the lease documents prove that I never owed the amount asserted. I have repeatedly asked Genesis to contact the credit bureaus to remove the collections account. As of this afternoon, they have yet to do so, notwithstanding their knowledge that the alleged debt is false and my informing them that they were violating, among other things, the Fair Debt Collection Practices Act by continuing to attempt to collect a fraudulent alleged debt. I have also repeatedly asked to speak to XXXX and/or Genesis legal counsel, as the lease documents are clear on their face ( and I happen to be a licensed attorney ), to no avail. I have attached the lease renewal form which shows the legal amount of my rent, as well as the ledger XXXX provided me that evidences their fraudulent attempt to increase my rent. The lease itself is too large to upload, but I am willing and able to provide you with that document, as well. Upon request, I will also provide all email correspondence with XXXX and Genesis over the last XXXX years. Thank you.
11/26/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	NV 89106	Web
To Whom It May Concern ; This to file a complaint to XXXX XXXX Apartment located in XXXX XXXX XXXX XXXX CA XXXX, this an apartment facility where we leave for a year from XX/XX/XXXX to XX/XX/XXXX. I have all copy of all the payments that i made thru my XXXX XXXX checking account as a proof that i am paying my monthly apartment rental since start to the end of my contract on XX/XX/XXXX. Last XXXX months ago, I received a call from Genesis Collection agency advising me that i have a debt or unpaid bills from XXXX XXXX Apartments amounting to {$XXXX}, this is unpaid mortgage rentals from XX/XX/XXXX to XX/XX/XXXX at first I thought that it was a prank or sort of prank calls that wanted my Name and my personal information but when I double check it thru my credit karma account and XXXX, the Collection agency was on my account as well as my credit score abruptly affected on this credit reporting. Since last month I tried calling the XXXX XXXX apartment but they are not cooperative and insisting that I am responsible for the debt. I am explaining to them that how that possible for me to rent an apartment in XXXX XXXX while I am working in XXXX XXXX since XX/XX/XXXX to present and left the XXXX XXXX Apartment on XX/XX/XXXX. I called the Corporate office of the XXXX XXXX XXXX but I had the same treatment with no cooperation at their side they advise me to call collections agency and to pay for the debt amounting to {$XXXX}. I think that this Apartment Facility, XXXX XXXX didnt ask any documentation from the renters who replaced us when we finished our contracts, they asked the new tenants to use our personal information to rent the apartment, since the new Manager XXXX told me over the phone that they used the same XXXX XXXX and always pays cash every month and issued a receipt to the tenants under my name, and I saw to from the letter from the collection agency my name and the full details of the account. So I wanted to file a complaint to this Apartment facility to clear my name and i want them to call the collection agency to cancel any collection on my name and also sent a clearance to the Credit bureau to remove delete and clear my name on this debt. I want to request for this facility to issue a confirmation letter thru registered mail confirming that i have no obligations moving forward for this debt. I want to reiterate for the last time, that I didn't have any idea on this debt since i was residing in XXXX XXXX in XX/XX/XXXX, I am ready to send all proof of documents as per request. Thank you
01/26/2023	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	OH 45013	Web
I received my first call from " XXXX '' today XX/XX/XXXX, from " XXXX '' who left a vague but compliant voicemail. I called the number back at XXXX XXXX and a woman whose name I can't recall, attempted to transfer me to " XXXX XXXX. I asked specifically, " what is your field of business '' and was only advised, " We're 'Genesis '. We handle a range of business ''. During my transfer to " XXXX '', the representative D-Something, disconnected the call on me. I called back at XXXX XXXX and spoke with XXXX or XXXX or something like that. I informed her to remove my reference, despite not knowing how they even FOUND a reference. She did not acknowledge that that number would be removed. I also informed her, that I would not be paying the debt as I don't feel compelled to pay debt to a XXXX of an apartment community who I had nothing but noted issues with. She asked me multiple times to confirm I would like it documented as a " refusal to pay ''. I informed her that's fine. I then instructed her to mark my numbers has XXXX after she threatened me with continued collection efforts. Upon that remark, I made it clear the debt would not be getting paid and she ended the call by saying, " they will be paid '' and under the CFPB guidelines, that's enough to count as harassment as well as threatening collection tactics. Also, she did not give me the XXXX prior to disclosing the nature of the call. I called back and spoke with a supervisor, again, I don't remember his name and he was apologetic and confirmed the numbers had been removed. I informed him that the complaint would be filed as they have violated several guidelines and as a consumer and debt collector of 9 years, I'm very familiar with the collection laws. I also received notice from a " reference '' that when they were called, " XXXX '' refused to identify themselves upon multiple requests for the company information and when the " reference '' instructed that their number be removed, the agent specifically told them " no '' and that the number would remain on file. I informed the supervisor of timestamps for the calls for reference to these violations. Prior to today, XX/XX/XXXX, I have not been in communication with " XXXX ''. I had no details informing me of who they were or to be expecting their call. This balance is certainly not worth the legal action I am very much so willing to take fir not XXXX or XXXX, but multiple violations and I truly hope they take the loss on my {$400.00} rather than having to pay out a nice chunk of hush money.
09/26/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	WA 980XX	Web
I have been sent to Genesis collections for a apartment rental debt I don't owe. Below is the breakdown of information tied to the complaint. Rental Company : XXXX, XXXX XXXX XXXX XXXX WA XXXX duration : XX/XX/XXXX - XX/XX/XXXX Received written//mailed notice of bill : XX/XX/XXXX ( 6 months post move out ) Bill amount : {$340.00} XX/XX/XXXX - I reached out to XXXX to inform them that this was breaking Washington 's RCW 59.18.280 : " ( 1 ) Within twenty-one days after the termination of the rental agreement and vacation of the premises or, if the tenant abandons the premises as defined in RCW 59.18.310, within twenty-one days after the landlord learns of the abandonment, the landlord shall give a full and specific statement of the basis for retaining any of the deposit together with the payment of any refund due the tenant under the terms and conditions of the rental agreement. ( a ) No portion of any deposit shall be withheld on account of wear resulting from ordinary use of the premises. ( b ) The landlord complies with this section if the required statement or payment, or both, are delivered to the tenant personally or deposited in the United States mail properly addressed to the tenant 's last known address with first-class postage prepaid within the twenty-one days. '' Section 49 of the Signed Lease : 49. DEPOSIT RETURN, SURRENDER, AND ABANDONMENT. Deposit Return and Forwarding Address. You are required to provide us written notice of your forwarding address, on or before termination of this Lease Contract. Well mail you your security deposit refund ( less lawful deductions ) and an itemized accounting of any deductions no later than 21 days or as amended by Washington state law after the lease is terminated, and you surrender the apartment, or 21 days or as amended by Washington state law after we learn of your abandonment. We reserve the right to amend the charges listed due to later-discovered damages, or if only an estimate was available during the 21 day or as amended by Washington state law period and the actual amount differs from the estimated charges On XX/XX/XXXX - XXXX received an email from a XXXX employee : " Thank you for your patience! We will be reversing all charges and refunding your deposit in full. Please confirm one additional time the correct mailing address? '' On XX/XX/XXXX - XXXX received a notice from Columbia Debt Recovery LLC dba Genesis, stating that I owe {$340.00} to XXXX. This is the same debt XXXX reversed all charges and refunded the deposit on.
09/30/2023	Yes	Debt collection Rental debt	Communication tactics You told them to stop contacting you, but they keep trying	CO XXXXX	Web
XXXX XXXX - email from Genesis XX/XX/XXXX - email from Genesis XX/XX/XXXX - voicemail from Genesis XX/XX/XXXX - voicemail from Genesis XX/XX/XXXX- XXXX from Genesis XX/XX/XXXX - voicemail from Genesis XX/XX/XXXX - voicemail from Genesis This does not include two initial calls that I answered from an undelivered number in that time range where a woman was pressing me to answer her questions and pay my debt. Upon the first call I received, I asked them to PLEASE stop calling me as I had submitted a dispute request in the mail and had up to 30 days to receive information to continue on with the dispute. At the time, this woman mentioned that the dispute letter " hadn't shown up in my account '', but I have confirmation date of delivery letters from USPS showing that the debt collector did indeed receive my request for a dispute and more information. It has now been 30 days since my request to have that information received, and I still haven't gotten any clarification around this debt collection and why it is believed to be owed. I still receive weekly calls asking to pay my debt and harassment that if I don't pay I could be in big trouble. I have called Genesis three different times in the last week and no one picks up the phone. I do not believe that I owe the debt amount, but yet I can't get any information as to why this debt collector believes I should pay them or how they came up with the number they think I owe. In addition to this information, the debt collector is asking us to pay {$730.00} on behalf of " damages '' that were never proven with an old rental property that I once rented from. In my time at this location, there were many occurrences that happened in which we felt we were treated unfairly. We had asked COLUMBIA DEBT RECOVERY LLC DBA GENESIS to provide proof of damages, along with a written letter asking to provide that information in the matter of 30 days. They had until XX/XX/XXXX to prove that information, and yet I'm still getting calls asking for us to pay our debt. All calls from Genesis should have been put on hold according to their original email correspondence in which they stated in writing " If you write to us by XX/XX/XXXX, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. '' Our letter was written and submitted to them by XX/XX/XXXX and again, there is proof of that from USPS delivering that letter. I have also attached the PDF of the written letter submitted.
03/23/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32832	Web
Genesis Credit management company has contacted me a number of times indicating that they are collecting a debt regarding for a property management company for an apartment I lived in from XXXX of XXXX - XX/XX/XXXX. I initially received a notice indicating that I owe {$830.00} to XXXX XXXX XXXX. Then I was told I owe over {$1000.00} to Genesis Credit Management. I've spoken to them on 2 separate occasions trying to understand why they believe I owed this amount of money and trying to determine a manageable payment plan while still disputing that I owe anything. I asked why the amount owed jumped from {$830.00} to 1060. One representative told me that they could settle for {$840.00} if I paid that day. The 2nd representative I spoke with today told me that the additional fees were interest fees. I advised that it's not customary for a debt collector to charge interest fees. He indicated that it should state that in my lease. I found my lease. I do not see that it mentions any sort of interest payments on a default in payment. When I told him that I felt I was being bullied and that there was no way I could come up with a lump sum payment of $ XXXX dollars, he twisted my words stating that I said I would never pay anything. If you listen to the " recorded line '' that he references, I state several times that I'm willing to pay what is owed. I requested for the 2nd time with the first being a phone call a month or so ago, an itemized list of what damages are being requested. He confirmed my email address, and told me that he would send me that document. I have received nothing. I'll also note that the company that they are alleging to collect the debt on behalf is no longer managing the apartment complex. I've reached out to the current management company, but they have no records of anything prior to their taking over that property. Therefore, there's no way to know if whatever document they supply is valid. I assert that Genesis Credit management is engaging in unethical business practices. They are trying to force me to pay a debt that they can't prove that I owe. They are charging me " interest '' when there is no documentation of them having the right to do so. They are using their ability to produce a derogatory remark on my credit to make me overextend myself financially to pay a debt I likely do not owe nor can they prove that I owe and have the audacity to charge " interest '' on said debt. This can NOT be acceptable. Please advise.
08/18/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	SC 29730	Web	Older American
I moved into an apartment complex in XXXX NC, called XXXX XXXX in XXXX, that was managed by XXXX XXXX XXXX, They also owned XXXX XXXX XXXX ( located in XXXX NC ) to which I moved in XXXX. Because they were managed by the same management company, I was able to transfer my lease and deposit to XXXX XXXX XXXX. I lived in XXXX XXXX from XXXX until XX/XX/XXXX. In early XXXX, XXXX XXXX XXXX sold the apartment complex to XXXX XXXX. When I moved out in XXXX, I had a walk through scheduled with XXXX XXXX but the moving company came earlier than expected and I did not do the final walk through, even though I went to the office and requested an earlier walk through, they had no one to do it at that time. XXXX XXXX had my email address, phone number, and forwarding address, in case I owed any charges after moving out. I was told they would send me an invoice for any charges if there were any. From XX/XX/XXXX until XX/XX/XXXX, I checked the resident portal to see if there were any charges, I did not see any, and I also did not receive any mail correspondence at my new address. In XX/XX/XXXX, I was notified by email that my credit report had changed because of something derogatory hitting my credit. When I looked, it was a credit collection agency. I telephoned Genesis in XXXX, and they sent me an invoice with just the amount of {$230.00} on it from XXXX XXXX, for some cleaning they had to do in the apartment. I knew that wasn't correct because it didn't have my {$250.00} deposit listed on the invoice anywhere. I disputed it through XXXX since that was the credit bureau it was listed on, and it was taken off my credit report. On Thursday, XX/XX/XXXX, I received a text from Genesis the same collection agency that put the derogatory mark on my XXXX credit report. I called Genesis on Friday, XX/XX/XXXX to request a validation of debt ( didn't know that's what I did the first time ) and they refused to send me any thing. They said since they sent me the invoice in XXXX, they would not send another one. I reached out to XXXX XXXX XXXX and they still had my paid invoice with my {$250.00} deposit where I moved into XXXX XXXX and then transferred to XXXX XXXX, and sent it to me today. I want Genesis to know that they have an incorrect invoice amount because my {$250.00} deposit was not added to the invoice, which would mean that I owe nothing for moving out of XXXX XXXX. In reality they XXXX XXXX owes me {$12.00} back from my deposit.
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TN 37920	Web
To Whom it May Concern, I am writing to you today to dispute US {$1900.00} charged by the company COLUMBIA DEBT RECOVERY. Basically, COLUMBIA DEBT RECOVERY is collecting a false debt, on behalf of The Social at XXXX since XX/XX/XXXX. Those companies did not declare under which condition they are charging me US {$1900.00}. In XX/XX/XXXX, I signed a XXXX lease contract with The XXXX until XX/XX/XXXX. I moved out of that unit on XX/XX/XXXX, because the landlord ( The XXXX ) refused to fix the apartment as we have agreed in XX/XX/XXXX, later in XX/XX/XXXX and again in XX/XX/XXXX. The initial issue with The XXXX started when the office wanted to force me to sign a second lease, just two months after I occupied the unit. On several occasions I disregarded the offer, but this did not stop them. In fact, they sent me emails about the potential consequences of not accepting this offer before XX/XX/XXXX. The last step they took was offering to paint the walls, improve the bathroom condition and fix some appliances in my apartment if I agreed to sign the second lease contract, a proposal that they never complied with and led me to act. In XX/XX/XXXX, I communicated my decision of not staying in the apartment for another year. After that, The XXXX tried to force me to sublease the apartment, in retaliation for trying to get a signed copy of my lease termination letter in which I explained the entire situation. The last time I contacted the property manager, XXXX XXXX XXXX, she refused to acknowledge my rights and said that the company will impose XXXX months of rent if I opted to move-out early. Obviously, I took my belongings out of that place because I did not want to be intimidated again. In general, I paid an entire year of rent ( {$8300.00} ), as well as a full year of insurance coverage ( US {$160.00} ) before I moved to another residence. However, neither COLUMBIA DEBT RECOVERY nor THE XXXX have contacted me in the current year. They just have published the debt as I was their client, which is not true, and fail to reflect any contract that I have signed in XXXX. All that I have experienced in The XXXX not just damaged my credit score, but has put me under a huge amount of stress. As an international student that moved to XXXX, Tennessee after the lockdown, I honestly hope that nobody experiences this type of retaliation just because they need a place to live.
10/27/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	CA 90046	Web
On XX/XX/XXXX I received an email stating they are trying to collect on a debt I owe to my former landlord. i gave them a call on Friday XX/XX/XXXX letting them know that I do not owe any debt and asked them to validate the debt. I also let them know that my landlord and I settled this debt as part of our settlement agreement to resolve the unlawful detainer case they filed in court and that there was a clause in the agreement that was a general lease, releasing both parties I was initially faced with an illegal eviction attempt by XXXX XXXX. Realizing that my relationship with the landlord had become toxic, I decided it was in my best interest to leave the property. After some negotiations, we both entered into a settlement agreement in late XXXX. The terms of this agreement required me to move out by a certain date, in exchange for the cancellation of debt I owed due to XXXX back rent. The agreement also included other promises, like conduct in public forums and a mutual release clause. I fully complied with this agreement by XXXX, a fact confirmed by an email from XXXX XXXX, XXXX XXXXXXXX XXXX attorney, dated XX/XX/XXXX. Several months later, XXXX XXXX approached me, demanding payment for a supposed debt that had already been considered and released during our settlement agreement. This isn't just a breach of our agreement; it also constitutes harassment and retaliation. After I refuse to pay the amount, they demanded the matter was forwarded to a debt collection agency that contacted me on XX/XX/XXXX. On XX/XX/XXXX I called them and asked them to validate the debt. I also let them know that the debt that they are trying to collect on has already been settled and let them know that I will provide them documentation. I never received any validation of the debt from them, and I provided them a copy of the settlement agreement in addition to recounting the story to them about the timeline of event, and I never heard back from them. I noticed on XX/XX/XXXX that my credit report showed a debt account in collections by debt collection agency and they reported my debt to a collection agency. I have tried to reach out to the debt collection agency to speak to them about this matter, and they have refused to speak to me, stating that I have some attorney representing me, which is not the case, and they refused to speak to me at all about the matter.
06/16/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	KY 422XX	Web	Servicemember
On XXXX the XXXX XXXX I reached out to the company to receive my account number or any information of the debt as I had notice it on my credit report. I did not receive any notice in the form of a letter, email, or call up till this point. They did not respond to my email. On XX/XX/2022 I received my first email from them in regards to the debt owed. It did not prove the debt was mine just gave the account number, the amount with interest owed and my previous address. On XX/XX/2022 I emailed them and asked for a valuation of debt. I also asked for the following documents : Name plus address of original creditor, that account number and how much was owed, Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay, If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay, and finally I asked for The amount and age of the debt including : A copy of the last billing statement sent to me by the original creditor State the amount of the debt when you obtained it, and when it was. Also written in this email I asked to stop being contacted through email, letter, text, and call. This email was ignored by the company. On XX/XX/2022 they sent another email exactly like the first expect it had more interest due. On XX/XX/2022 they sent out an email stating I owed more interest. In the same format as their other two emails. They sent the same email three more times on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022 each with the interest due getting higher. On XX/XX/2022 I sent out the same email as I had sent before this time getting a response. They claimed to have sent it three times ( meaning the times mentioned above which do not provide the documents I asked for ). She also ended this emailed with a settlement was being offered as a courtesy and she would no longer open/address any further emails. I sent another email stating I have not received the documents and they never wrote back. They have continued to email, call, and text my phone after I have sent a letter twice stating I no longer want to be contacted about this debt.
11/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75034	Web
XX/XX/XXXX - Reviewed credit report on XXXX, XXXX and XXXX and noticed Collections Account entry from Columbia Debt Recovery LLC dba Genesis for amount owed of {$1000.00} XX/XX/XXXX - Initiate dispute via XXXX, XXXX and XXXX and requested for debt validation letter from Columbia Debt Recovery LLC dba Genesis XX/XX/XXXX - Received mail with letter dated XX/XX/XXXX from Columbia Debt Recovery LLC dba Genesis with validation of debt documents for debt with original creditor, XXXX XXXX XX/XX/XXXX through XX/XX/XXXX - Reviewed documents provided and established that debt was not mine for the following reasons 1. XXXX XXXX document provided as part of debt validation was from calendar year XXXX whereas debt owed was from calendar year XXXX 2. Debt owed to XXXX XXXX was indicated to be in XX/XX/XXXX whereas lease agreement with XXXX XXXX had terminated in XXXX/XXXX with all no dues pending Available evidence in my possession includes the following 1. Signed XXXX XXXX document for XXXX with XXXX XXXX indicating leasing period from XX/XX/XXXX through XX/XX/XXXX 2. XXXX XXXX statement for XX/XX/XXXX indicating my payment of {$1700.00} as full final payment of all dues for XXXX lease term of XX/XX/XXXX through XX/XX/XXXX XX/XX/XXXX - Initiated dispute of Collection Account entry in XXXX credit report via XXXX website and uploaded evidence documents as described above XX/XX/XXXX - Initiated dispute of Collection Account entry in XXXX credit report via XXXX website and uploaded evidence documents as described above XX/XX/XXXX - Initiated dispute of Collection Account entry in XXXX credit report via XXXX website and uploaded evidence documents as described above XX/XX/XXXX - Sent a " Direct Dispute '' letter via certified mail to Columbia Debt Recovery LLC dba Genesis with complete details of erroneous entry in credit report along with evidence documentation as described above XX/XX/XXXX - Received results of dispute from XXXX indicating that " Item has been reported correctly '' I am yet to receive any communication from Columbia Debt Recovery LLC dba Genesis regarding the " direct dispute '' that I sent on XX/XX/XXXX I have provide concrete evidence to show that the debt is not mine and the entry in the credit report is incorrect. I am filing this complaint to ensure that the entry is removed from my credit reports.
04/29/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	AZ XXXXX	Web
This company whic h I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is ob ligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
06/08/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	NY 10033	Web	Older American
Date : XX/XX/XXXX Re : Fraud/stolen identity To whom it may concern, I am addressing above since there are several companies to which I must address this issue to : My name is XXXX XXXX. My address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. I would like to say that I have never requested nor have given authorization for anyone to request or act on my behalf in requesting any form of credit cards or loans or anything of this nature. I had a roommate for many years. His name was XXXX XXXX. Since, I am homebound he took care of all household issues and my affairs. I am elderly and get confused easily, and so he had access to all of my personal information. He never gave me a reason to doubt his sincerity. He would go to the bank for me, did the household shopping, take me to Dr . Appointments and handle the mail and bills. I have my own separate bank accounts. He had his. However, Mr. XXXX passed away at home on XX/XX/XXXX. It was a great shock to me and has saddened me tremendously It was at this time that I started to get my own mail and making arrangements to get assistance from friends and family. To my surprise I started getting bills from different credit card companies in my name. I was so confused and did not understand, I reached out to my friend, XXXX XXXX, who has been guiding me. It was she who discovered that there are approximately 5 ( as of XX/XX/XXXX ) that I know of credit cards with outstanding balances. Most recent I received new credit cards showing my name with a second card showing his name. In the more than 40 years that I intrusted him I would have never imagined him doing this. I humbly request all accounts to be closed. Since these were fraudulently opened without my knowledge nor consent. XXXX/XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX spoke to Ms. XXXX and advised of the ID theft. She referred me to Ms. XXXX of the faraud dept who advised me to fax all documentation which was done on that date at XXXX. My fax indicated received. As of today XX/XX/XXXX nothing has been received and bills still coming.
03/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85335	Web
First off I have never ever been contacted by this collection agency so I never had 30 days to dispute the record. However, my wife has been contacted and they put this account on my credit report. Called the company they say they are collecting for XXXX spoke with XXXX and he told me that they do not lease for the apartment complex anymore and haven't for well over a year however, this debt collector is trying to collect a debt for XXXX that is not valid. They informed me that I do not have a debt with them and they do not even have an account for me and my spouse anymore. I have filed a complaint with identitytheft.gov, now cfpb, ftc and a police report on this company. They know all this information that I do not have an account and never owed this amount nobody can verify as they stated that XXXX could, but after talking to XXXX myself that is not true. They do not have an account for us. They will not reply to my emails or answer my phone calls or respond to communication via mail. They ignore me and will not remove the debt after it has been reported as fraud because they sent me a document with my spouse and my signature which is not a valid document and it has information crossed out like the manager changed some information and that automatically invalidates the form. We did not live at this place when they are trying to bill us for. We moved out a month before what they are trying to bill us for. This company is fraudulent and does fraudulent activity and needs to be sued and a class action lawsuit as there are so many people they have done fraudulent activity to as well. They will not respond to you in any form phone calls, emails or letters via mail if you do not agree with the debt so how do you dispute anything if they will not reply anyways. XXXX even told me that they never sent me any document within 14 days of us moving out because we did not have an amount due and no account left with them after we moved so this debt collector is trying to collect something from whoever took over the apartment leasing which is not who I leased through.
11/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 801XX	Web	Servicemember
My son XXXX XXXX leased an apartment with 3 other boys from the Retreat in XXXX, XXXX XXXX XX/XX/XXXX to XX/XX/XXXX and was cleared by XXXX " their main Maintenance Technician '' at the time. He lived in XXXX for an additional year, and we lived in XXXX XXXX, CO as the Co-Signers for him and never received notice of a pending or overdue maintenance issue. Apparently a year later, the new owners of the apartment complex sent letters out to all previous tenants " Which we never received, and we have never been provided although we have asked several times and can be verified on the recordings from Columbia Debt Recovery when they first called me in XXXX of this year and then again about every 6 weeks after that '' I asked them for a copy of the documentation as well as a list of the damage since all of the leases were charged the exact same amount of money for damages caused in the apartment, but apparently nobody can document the damages. I told them that the Retreat has a history of sending out these notices after the fact and we wanted proof of the damages before we would entertain paying anything to the company. If they couldn't provide it, then it was just a made up letter. In XXXX or XXXX of this year, I told them to quit harassing me since they could never provide anything in writing to me and to take the case to court, instead they sent it to my Credit Report. I want them to either provide documentation of the validity of the collection debt with a listing of alleged damage per room that would equate to approximately {$1700.00} ( {$440.00} x 4 boys who shared the apartment and were all charged the same amount ) or we remove this fake credit collection amount from Credit Report and restore my XXXX point drop to my credit score and penalize this company for improperly reporting something to the credit bureau when it should not have been done. Additionally, I would ask that someone look into the Retreat at XXXX for improperly targeting young adults that are attending the University of Mississippi and ruining their credit scores.
10/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43223	Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. This is the third time Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter, as well as copies of the three written letters, sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite several prior written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? COLUMBIA DEBT RECOVERY # XXXX You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide a method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability, and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this mater to enforce my rights under the FCRA
05/27/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33617	Web
I moved out XXXX of XXXX, in my move out statement I noticed several fraudulent charges. Ive been back and forth with my apartment complex who wouldnt own up to their negligence. I never received written notice from the debt collector. I spoke to them for the first time today XX/XX/XXXX after retrieving information from the apartment complex corporate office. I told them I wanted to dispute the charges to which the guy I was talking sympathized where I was coming from and said they would help me and after a few questions they said they would lower my bill from {$2100.00} to about {$1800.00} and make it all go away. I was charged for an unregistered pet who is an XXXX dog. Has been a service animal since before I even moved in and I maintained her paperwork the entire time I lived there, I still have her paperwork and the office never once asked me for it. They charged me for a gate card which I have a picture of where I left it along with the keys in the kitchen drawers like the move out instructions stated but they didnt charge me for the keys but managed to charge me for the gate card. I was charged for a full repaint of the apartment and the only evidence they have was some wall sticker decorations the size of a basketball on my bedroom wall. The stickers are easily removable and do not chip the paint when you peel them off. The paint on the wall of the apartment was in perfect condition. They tried to say the mattress in the apartment was missing but in one of the pictures provided you can clearly see where I left the mattress next to the refrigerator in the apartment. I was charged for a shower head that was left under the sink when I replaced it with my own personal one with the extension cord. I was charged a pest control fee when there were bugs already in the apartment when I moved in and they had pest control coming to the apartment on a monthly basis while I was living there. There is {$830.00} worth of charges on my movement statement that I disputed and they were only willing to knock down {$300.00}.
07/29/2019	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CT 06360	Web
In XX/XX/XXXX, I received a bill from Genesis Credit Card Service for a purchase made in the amount of {$1000.00} made at XXXX XXXX on XXXX XXXX. I contacted Genesis to report a fraud charge because I did not make this purchase, at the time I was at work in Connecticut which proof can be shown as I work for a XXXX XXXX. Also my XXXX credit card was closed in XX/XX/XXXXwhich is state on my credit report nor is this new credit card they opened is on my credit report or history. Genesis opened a case, the company responded with a letter in XX/XX/XXXX with details of who made the purchase, their ID information. My XXXX name is XXXX XXXX who resides in Connecticut the person who made the purchase is XXXX XXXX who provided a Georgia ID. Though are names are similar, these are two different individuals. I tried to explain this identity error to Genesis that the person opening the credit card for XXXX XXXX used an existing credit card profile ( basic details such as address and phone number ) that I had at XXXX which was closed back in XX/XX/XXXX. There is a mixup because when I call Genesis and provide my social security number, no details of purchase shows up on my name however i keep getting the bill and debt collection call. If the person working at XXXX did their due diligence in verifying the details while opening a credit for a new person this would not have happened and I need this issue resolved as Genesis seems to be uncooperative to understand the issue at hand. I spoke to an account manager there and he was very ignorant saying XXXX XXXX is short for XXXX XXXX. This is not the case because these are two different individuals, and the managers assumption failed him to provide decent customer service. I need this identity credit card profile mixup resolved asap because I have proof of my identity and I did not make this purchase. They sent me a credit card that isnt mine and added my address and phone number to the wrong indivdual. If this isnt resolve I will contact a lawyer.
04/30/2021	No	Debt collection Other debt	False statements or representation Told you not to respond to a lawsuit they filed against you	WA 98030	Web
We lived in XXXX XXXX XXXX XXXX XXXX at XXXX XXXX 's edge apartments Auburn wa XXXX. In XX/XX/XXXX our water heater broke on the ground floor,, a window was leaking down the wall in my daughter room and there was black mold in the closets and a leak under the kitchen sink When the removed the water heater in the hall closet there was a approximately 1 foot by 2 foot hole directly to the ground with exposed dirt and bugs. I asked them to fix it and they said it wasn't. Big deal and they only had the 2 guys for the whole apartment complex. We had moved in XXXX and I was out of work until XXXX and my husband was out of work prior to that in XX/XX/XXXX. I was getting ready to restart my job. I td them we can't live in a unit with mold and dirt and holes to the ground with ants and bugs. The maintenance guy said, '' well that's my choice he guesses and he will get to it someday. I was protected under moratorium act but because of how gross it was in XXXX we had to move. I told management our new address and stated I would work out a payment plan with them. Well the very next month I received notice that it was already at a collection agency and the full amount was due or payments of {$300.00} a week for 2 weeks and then {$200.00} a week until my balance of + {$16000.00} was paid. I initially agreed And set it all up. This week I called And tried to get the amounts adjusted bc I realized it was a lot of money on top of ll the other bills I have. I they wod not work with me. I feel this is a lot unfair and poor taste that they wouldn't work with me and that to make the apartment disgusting causing me to leave so they could file the claim for the amount due was poor business. Because of the unliveable condition of the unit and the force move I should be protected under the moratorium. I will probably have no choice but to fie bankruptcy. I will be discussing the situation with an attorney. Thank you, XXXX XXXX XXXX Current address XXXX XXXX XXXX XXXX Unit XXXX XXXX, Washington XXXX
10/23/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	TX 78521	Web
I was served notice of an alleged debt via postal communication on XX/XX/2023. On that date, I engaged in a conversation with a representative by the name of XXXX, who represented the Collection Agency " Colombia Debt Recovery, operating as Genesis. '' During our discourse, I explicitly expressed my lack of knowledge concerning the purported debt and requested the necessary validation. In response to my validation request, XXXX affirmed his commitment to investigating the dispute and assured me of a subsequent follow-up. Additionally, XXXX inquired about my occupation and assured me that no adverse annotations would be recorded on my credit history. After our telephone conversation, I promptly transmitted a follow-up email, appended with a formal debt validation request letter, which I have included below for your reference. In this email, I articulated that the presence of erroneous information reported to the credit bureaus would constitute an act of fraud, for which I would be prepared to take legal action. Furthermore, I stipulated that all future correspondence should be conducted solely through electronic mail. Despite adhering to this course of action, I later received an unfavorable collection remark. With no responsive communication from XXXX or the collection agency, I undertook the step of lodging a dispute with the three major credit bureaus to expunge this notation from my credit reports. Regrettably, the collection agency 's response to the credit bureaus attested to the validity of the debt and failed to provide any substantiating documentation. In the aftermath, I have been subjected to unwarranted and harassing telephone communications from Colombia Debt Recovery, doing business as Genesis. Despite my earnest endeavors, the adverse notation persists on my credit reports. It is crucial to note that not only is the debt in question invalid, but it also bears inaccuracies that have further marred my credit history and compromised my credit score.
10/11/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	CA 92392	Web	Servicemember
Yesterday in XX/XX/XXXX. I contacted Columbia debt recovery genesis about a lease they said I owed money on for a rental back in XXXX XXXX. I explained to them I NEVER lived anywhere named XXXXXXXX XXXX XXXX they explained they had a contract showing I did so I asked to see that exact contract. The rep said XXXX XXXXXXXX XXXX ring a bell? I said yes, but that this was not about XXXX XXXX it was about XXXX XXXX, he then told me that their customer service department must of messed up and put In a different code to link my debt to XXXXXXXX XXXX It was suppose to go to XXXX XXXXs. I said so it took you guys XXXXhree years and me fighting to have this taken off as no debt owed cause you put it to XXXX XXXX? He then stated that is was just a code entered wrong and they would go change the name on the debt. I said you cant do that! You cant just change the name! He said that I also moved out on XX/XX/XXXX of XXXX XXXX but I moved out XX/XX/XXXX and was month to month I have the copy of the original lease. I asked for them to send me the documents they have and he said he couldnt cause that department was closed but that he was looking at the paperwork. Everything he stated was a lie. Then he accused my husband of staying at the apartments for 12 days leading up to XX/XX/XXXXXXXX I said my husband moved when I moved! He said it must be nice to have had someone pay your rent for those XXXX months. At that point I got upset as I was the one that continued to pay my rent. There was also a lease that was agreed upon by the regional at positive investments ( the company prior to XXXXXXXX XXXX taking over ) that ended XX/XX/XXXXXXXX XXXX XXXX They clearly took the lease that was originally voided that ended XX/XX/XXXX and used that one as a way to collect more money. There was a note on that lease stating that, that lease agreement was voided the one dated XX/XX/XXXX was the actual lease. Also my information was sold to this company and they are the original owner of any DEBT!
06/18/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 77494	Web
We were supposed to move into XXXX XXXX XXXX on XX/XX/21 and they did not respond about the apartment being sanitized during Covid 19 Pandemic for the week prior. The apartment smelled like urine, and it was very dirty and was shown to us by a person named XXXX. This home is for the safety of our family as we have XXXX children. Instead XXXX sent us a bill for cancellation when this is completely their fault for not having a clean sanitized unit for us to move into. XXXX XXXX did not Sanitize the apartment, and I informed them that we can not move in until it is sanitized. I had called XXXX and XXXX numerously during the week and they did not respond at all. Instead of letting us know the apartment was clean and sanitized, they sent us a bill showing " cancelled after approval. '' XXXX XXXX showed us an apartment and misrepresented their services and deceived us into believing we could move in. Instead of sanitizing the apartment they used their companies paperwork to justify the charges on our credit card. Our credit card company also did not agree with what happened as we have provided the same information about what happened. Our creditor said that they can not charge you for something they did not provide, which is a clean apartment to move in to. These charges are deception, they did not provide us with clean apartment and when we called about it they did not respond the whole week prior, to let us know it has been cleaned/sanitized. We did not even have the keys ot the ability to inspect the unit prior also. XXXX had us do all the pre-qualification paperwork and just to steal our money via credit card number, and use their modus operandi to basically steal money from us. Currently I have Genesis ( Columbia Debt Recovery XXXX ) harassing us for more money with fees that are unheard of. This needs to be investigated as this company is acting criminal. They did not deliver and apartment to move into, and are charging us for it? That is FRAUD!
09/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78617	Web
I received a letter from this company on XX/XX/XXXX stating I owed money to an apartment complex.i asked for documentation and they sent me falsified documents. I lived in XXXX XXXX XXXX from XX/XX/XXXX until I moved XX/XX/XXXX. On XX/XX/XXXX my apartment caught fire while I was away. The fire was not my fault but the fault of the apartment. I moved into another apartment due to mine being unliveable. I moved out on XX/XX/XXXX and turned in my keys the same day. I asked the XXXX XXXX of this complex, they had issues keeping trustful employees who didn't harass residents or steal rent money. I asked if I owed any money they said no and once they check the apartment and if any repairs needed they would send me the final bill and anything left from my deposit. She asked for my new address and I supplied it to her. I went on my way and in XXXX of XXXX I called the apartment complex to see if they were able to tell Me when I would receive my deposit.i was told the manager I talked to in XXXX was no longer there and that I should receive my refund check in XXXX days. I got sick with covid and forgot all about following up until XX/XX/XXXX when I got a letter from Genesis Credit Management saying I owed money to this property. I disputed the charges and received a packet from them that shows that all the money I paid in rent, water and gas from XX/XX/XXXX until XXXX was asked for again even though it initially said credit then they tried to charge it again. The company Genesis Credit mgmt when I searched them online shows they have a history of lawsuits on the same thing. When u call their number you don't speak to some except for them to try to sell you their credit repair services. There's lawyers I have spoken to that are aware of what they do and how the apartments harass and use this company to collect money that had already been paid. I can't get no answers as to why I'm being charged for stuff that's already been paid or double charges to get me to pay.
06/16/2021	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 78240	Web
I am actively monitoring my credit, and a {$3200.00} collection showed up on my credit report. I began looking up the company to find out what kind of company it was and how this could have possibly happened. when I called the number, the last I spoke with told me that it was from an apartment I had leased. here is the story about apartment first. I signed the lease with a move in date of XXXX I already had a lease at that time an was planning on leaving my ex. I had went to view the apt and put in application with {$200.00} deposit for a move in special. my ex ended up moving out of the apt we were currently in and I stayed in my original apt . I called XXXX XXXX XXXX to inform them that I would not be taking apt and to get my {$200.00} back. The lady told me I could not get my {$200.00} back because I choose not to get the apartment.i have all my documents from XXXX at XXXX XXXX to show I had lease before and finished it after this apartment is saying I lived there. I explained this to the lady on the phone at collection agency and asked her why I never heard about non of this before it hit my credit 2 2 years later and she told me I had to take that up with apartments.i called the apartments and of course it was all new staff that informed me that they didn't know anything about this but the last staff was fired for some shady dealing. I have had the same number for 5 years and the same email for 7 years I was at my last apartment for 17 month lease duration, and at my current apt for 15 months. there is no reason that all of this happened and not one notice, phone call, email nothing. I am working on dealing with the criminal side of finding out the lady that leased the apartment to me after I had told her I didn't want the apartment. This collection agency not only won't take this off my report but have now hit my credit report every month with interest dropping my score every month. please help me get them to stop I have tried everything.
08/10/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WA 98466	Web
I rented an apartment at XXXX XXXX XXXX ( XXXX XXXX XXXX ) from XXXX of XXXX to XXXX of XXXX. The lease stated that a visual inspection of the home would be performed at the conclusion of my lease and stated that it would be performed using a blacklight since I have pets. As such, when I moved into the apartment, I performed an inspection including using a blacklight. I did not on the move in form that there were several stains on the carpet which they said they would resolve. When I went to move out, they brought in a carpet crew to lift the carpet and review the underside. This was NOT stated in the lease that this would be a means of inspection or I would have demanded the same prior to moving in. They identified a stain that could not have been caused by my dog since I moved my furniture into the home before I brought my dog and the stain was always covered by furniture the entire time my dog lived there. She died only 2 months into the lease. After my lease was terminated, at the end of XXXX, I was contacted from the apartment complex front desk staff saying that they had mailed me an invoice and that it was due. I had never received an invoice nor do I feel that I am liable for a stain that was not caused by me, nor was I ever given adequate ability to inspect. They told me they were promptly turning my debt over to collections. On XX/XX/XXXX, I was contacted by Genesis and told they were hired by XXXX XXXX ( the owners of the apartments ) and that they were collecting {$1300.00}. I promptly contacted them and told them I was disputing this as I don't believe I owe as XXXX violated the terms of their lease agreement. I had my attorney reach out to them. On XX/XX/XXXX, XXXX XXXX of XXXX XXXX XXXX sent a request for records and a formal dispute. The collections company did not reply. My attorney subsequently sent in supporting documentation and again got nothing. A collections appeared on my credit report in XXXX of XXXX.
06/01/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32746	Web
My XXXX XXXX XXXX children are in the middle of unethical business practices. I have attached my email of complaint about my concerns with the handling of my daughter and myself when I got involved yesterday, XX/XX/22. I have advised my daughter and son not to pay anything until this issue is resolved. The bill transferred to collections totaled XXXX yet my daughter was promised a payoff amount of XXXX. The manager, XXXX, rescinded the offer because I questioned the legality of advising my daughter to go to a specific loan company, XXXX, which charges an origination fee after she had told them that she could only afford minimum payments and that the debt was not all hers. She was the only one that answered their call. My biggest concern is that the offer was never documented or sent. They promised to clear her name and whomever she chose, but how is that legal to the other former tenants? Then after advising her to get a loan to repay the debt, as if there was no other option, they called her twice in one day to try to get her to make the payment after she told them that XXXX had not deposited the loan into her account. Then when I requested to speak with them and got permission, and questioned their processes for handling young adults that are naive to their options, the same manager that ill-advised her, insulted and threatened us. He was rude from the start of the conversation and in a condescending tone, said since I am her mom, why don't I just pay off the XXXX loan. He was on speaker so my kids ' stepfather also heard the brief and unprofessional conversation. And as the manager, XXXX blurted out that he was rescinding the offer and notating my daughter 's account as refusing to pay and threatening to forward it to their legal department, their stepfather took over the call and expressed anger before I hung up the phone. I sent an email yesterday, attached. We have not received a response as of today at XXXX XXXX.
01/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 786XX	Web
Columbia Debt Recovery LLC, XXXX Genesis has attempted to collect a debt I do not owe on behalf of The XXXX XXXX XXXX - Unit XXXX - Reference : XXXX relating to move-out fees. I've retained legal counsel, XXXX XXXX of XXXX, TX, who sent his most recent certified letter to this company dated on XX/XX/XXXX, to halt any collections activities or reporting. Today, XX/XX/XXXX, my credit alerts indicated that this company has reported a collections to the three credit reporting agencies and has dropped my scores in the excellent range ( XXXX, XXXX ) which is down XXXX points due to their false collections reporting. They've violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and I want the collections permanently removed off of my reports as this is a matter that will escalate a lawsuit. Again, my attorney has sent Columbia Debt Recover/Genesis certified letters several weeks ago and has since attempted to call them I responded to their collections letter to formally dispute the debt that does not belong to me and contacted them by e-mail on XX/XX/XXXX and identified the debt for {$1200.00} for move-out related expenses to include a XXXX speaker system, cleaning fees, etc. which were are fees that I do not owe. I've never had any responsibility to any portion of this debt XXXX is attempting to collect, and I have evidence proving this since Ive documented everything via video of my move-in and move-out, along with e-mails to management, and sworn testimonies of gross negligence by XXXX malicious, incompetent managers which are attached as supplemental records. I've also attached my XXXX scores to include XXXX and XXXX from XX/XX/XXXX to XX/XX/XXXX. As you can see, my XXXX XXXX XXXX score dropped to XXXX and I've yet to see the damage this company has done to my XXXX XXXX score due to their negligence and lack of due diligence and responsiveness. I've also included my formal statement and exhibits.
01/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85335	Web
Per lease agreement we were out by XX/XX/2019 but statement says moved XX/XX/2019. We never received anything 14 days after koving out of apartment showing us damage, pictures, anything because there was none. They kept our deposit which was fine we thought to clean and repaint and the little things. Now we are receiving collections from Columbia Debt Recovery stating we owe almost XXXX it was about XXXX but in my dispute with them they removed interest bc they found it charged incorrectly. If interest was incorrect wouldn't charges be because we were never late. I disputed that charges are fraudulent trying to come after us 3 years later after XXXX the manager did them all dirty and left them with a mess. She told us we would not be charged except cleaning and took a co p y of our keys and we initialed when moved out that is all. Now 3 years later here is rent charges and damages etc. Columbia Debt told me too bad that XXXX validated with a statement of charges showing no date of the statement which should have been within 14 days of move-out but document has no date ( weird right ) usually statement shoes date created or printed. It shows I had a credit XX/XX/2019 of XXXX and all these charges and subtract my deposit and boom I owe now almost XXXX with no interest because interest was incorrectly billed. Then they show me a document which I had never seen or signed that I stated we were moving out XX/XX/2019 signed by XXXX on XX/XX/2019. That document is forged and I did not and I repeat did not use a form like that or give them any form like that. We wrote them a letter and hand delivered that to XXXX in XXXX. This is crazy and I have read other reviews and from people who have sued them how they have forged names and created documents that tenants never signed or seen themselves. I have a family we was moving from an apartment to a house and now 3 years later all this supposedly happened. This is fraud.
11/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Didn't receive services that were advertised	TX 76134	Web
I moved into XXXX XXXX on XX/XX/XXXX and put up a security deposit of {$150.00}. When I moved out on XX/XX/XXXX for which my lease was up XX/XX/XXXX I gave them a 60 days written notice. The lady with a XXXX XXXX tattoo told me I could stay until the XXXX of XXXX of XXXX. She told I could pay a prorated rent of {$600.00} and I did. XXXX took the notice, but she moved to corporate which is XXXX XXXX. The address for that apartment was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX. XXXX and I got my keys off the door the morning of XX/XX/XXXX. I moved into my new apartment on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. When I moved out the lady with the XXXX bird tattoo told me to come back for the security deposit. She was busy the next time. Then after that there were XXXX more new ladys and they told me to call a lady and they were charging me for that whole month and I explained what had happened and they told me they took it off. Well, I called the number and no one answered ever and the voicemail was full, but I left messages. I sent emails to managers whom never got back to me and I talk to XXXX like a couple of months ago and she never got back to me. I called XXXX after they had put it on my credit and the told me they took the first months water bill out of the deposit and keeping the rest for rent from XX/XX/XXXX, XXXX XX/XX/XXXX and I was living in my new apartment then. Before that call they were saying I owed water, electricity, trash, when all that was included in the rent at that time for the prorated rate. If I owed for the first months water then they should have talked to me about and billed me before taking it out of my security deposit. I do not owe for living there after XX/XX/XXXX, that is identity theft and fraud them charging me rent and taking my security deposit like that. The water is not even that much from XX/XX/XXXX to the end of that month.
05/12/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OH XXXXX	Web
On XX/XX/2023 I called COLUMBIA DEBT RECOVERY XXXX DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : XXXX to begin paying off my debt. I spoke with a gentleman named XXXX to set up payments, he suggested to pay it off as quickly as possible and that the least amount he could take was XXXX every 2 weeks, I assured him that I could not afford that. He said that his company could not take less than {$700.00} the first month to start but then XXXX a month after which I agreed to. On XX/XX/2023 they had pulled out another {$700.00} for the second month and when I called to fix this error. I was told there was nothing they could do. I asked for a supervisor and I was given over to XXXX who said he was the supervisor of that branch. When I told him my issue he laughed at me and chastised me for not having the money to pay. He said whatever XXXX told me was not his issue because XXXX was fired the day after he set up my account for misrepresenting the company. We got into an argument about how his company was in the wrong and he said to me " we don't help people ... we take people 's money. That's it and if you want to keep arguing. We will default your account, keep all the money you've already paid and make you start over with another company ''. Feeling completely powerless and not wanting to ruin my credit and lose {$1400.00} which I can't afford. I called back shortly after and made sure my account was still good. They are taking way more money than they are supposed to and it is killing me, I was scared to say anything for a while because It seems they hold all the cards and can misrepresent themselves take more money than we agreed on and leave me powerless and scared to say anything. But the fact that he made fun of me and laughed at me over the phone while I kept my composure and simply asked for someone above him to talk to, and was actually able to threaten me with financial ruin scares me.
04/21/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MO 63141	Web	Older American
I was the primary signature on a lease agreement for Apartment XXXX Unit XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MO. The leasing company uses a number of company names ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The signed lease agreement ended on XX/XX/XXXX. I met the obligation of giving 60 days ' notice to terminate the lease and all rent due on termination was paid by me. My son who was the secondary signature and the person living in the apartment, sought through verbal agreement, to extend his stay until XX/XX/XXXX. The lease agreement clearly states that management has no authority to amend the agreement unless it is in writing. When I became aware of the verbal agreement, I immediately informed the management in writing that I was not party to the extension and any rent due from XX/XX/XXXX to XX/XX/XXXX, was a matter between XXXX XXXX XXXX and my son. My son did not meet the payment obligation. The Apartment Management, in turn, billed me for the outstanding rent of {$800.00}, and, when I refused to pay, they sent the debt to the collection agency, Columbia Debt Recovery LLC dba Genesis. Genesis reported my non-payment to the credit agencies, one of whom was XXXX, who in turn lowered my credit rating from XXXX to XXXX. I disputed the reduction with XXXX who in turn requested validation of the debt from ColumbiaXXXX XXXX XXXX XXXX I was asked to respond. to their submission. XXXX XXXX XXXX, in one section of their submission, falsely reported that the lease agreement started on XX/XX/XXXX and ended on XX/XX/XXXX. Yet, in another section they provided a copy of the signed agreement which showed that the lease start date was XX/XX/XXXX, ending on XX/XX/XXXX. XXXX XXXX XXXX management are trying to cover up the fact that they had broken the law in verbally amending the lease agreement. The matter is now under review by XXXX and the credit agencies.
04/06/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60089	Web
DATE : XX/XX/XXXX SUBJECT : Victim of Identity Theft of Fraudulent Transaction Dear Sir or Madam, I am writing this to bring into your concern that on XX/XX/XXXX, an unauthorized disputed fraudulent transaction of XXXX XXXX- was executed on my name for apartment lease booking at XXXX XXXX. The XXXX ID XXXX. I beg to inform you that this transaction was not authorized and carried out by me in any physical or online form. I am quite surprised to mention that this is a fraudulent transaction, and I am a victim of identity theft, and I dont make this transaction. I am not responsible to any charges made to this fraud transaction. I have not initiated the above-said transaction. During the date of fraud transaction, I was living in XXXX XXXX XXXX XXXX XXXX The Fraudster has used my Social Security Number and the items I dispute is attached as a copy of the report I received for the Collection Department - XXXX-Account # XXXX The items I dispute also are attached copy of the report I received. Below is the list of disputed items which make it clear that I am the victim of a FRAUD Transaction. 1. Identify item ( s ) = Lease Agreement 2. Current Address = XXXX XXXX, XXXX 3. Original Creditors Name = The XXXX 4. Lease Date and Location XX/XX/XXXX, XXXX, XXXX I am requesting that all charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. Requesting you to please take up this matter urgently and investigate at the highest level and notify me in writing of the results of your investigation and help me in recovering my money back at the earliest possible. Enclosed are copies of ( Fraud Transaction Report with all details ), which supporting my position. Please investigate this matter and block the disputed item correct the fraudulent ( charge or debit ) as soon as possible. Regards, XXXX XXXX
04/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91367	Web
My wife XXXX XXXX and I rented an apartment at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX, from XXXX XXXX XXXX who can be reached at ( XXXX ) XXXX, for two years until XX/XX/2019. After vacating, we had a final walk-through with the on-site resident manager who confirmed that the apartment was empty and professionally cleaned. However, a few months later, we received a notice from XXXX XXXX claiming that we owed {$220.00} for a missing cook-stove burner and a new cleaning sponge left under the sink. We immediately called to inquire about the charges and were told that they were a mistake. The manager apologized and promised to take care of the charges. After several weeks of communication between us, the manager, and the back-office staff who generated the charges, we were assured that the matter was resolved. Recently, I received an email from my XXXX XXXX XXXX alerting me of a " major derogatory mark '' on one of my accounts. After logging in, I discovered that Columbia Debt Recover : COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX TEL : XXXX on behalf of XXXX XXXX , had reported a collection item on my account for a supposed debt of {$76.00}. When I called the provided phone number to request substantiation of the debt, I received an email with only the name of the creditor and a vague " Move Out Statement '' that basically support my above recount of the event, and the original debt amount of {$76.00} as well as a total due of {$78.00}. I have learned from other tenants and a past employee that this is not a rare occurrence but rather a consistent scheme used by the management company to collect small nominal charges that many residents may not bother to fight. This appears to be a fraudulent practice that defrauds past residents with small insignificant amounts that may accumulate to a significant annual sum for the management company
01/02/2021	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	WA 98201	Web
I have been trying to get information regarding to a settlement for a collection I have with this company. I have called 3 separate days to get answers and set something up and each and every time I called them I get greeted with nothing but attitude and unprofessionalism. I ask simple questions such as " Does your client accept payments on a settlement or does it need to be paid as a lump sum '' and I got the run around and how I will not be paying anything this month so I have to wait to get this answer and then proceeded to place me on hold and cold transfer me to someone else, I had to re-explain my situation and finally got a straight answer. The next day I called back to set up a payment arrangement, when I got to a rep named XXXX she had a severely poor attitude told me to not put words in her mouth when I asked her a clarifying question. Once the arrangement was set up I asked for a letter stating my arrangement so I can give this to an apartment I trying to get into she proceeded to tell me that she wont do that because people pay the first payment and then never pay again, I explained I am in collections myself and know for a fact that an arrangement letter does not state that I have paid off this collection as I was explaining she interrupted me I told her I was not done speaking and she told that I was done speaking and placed me on hold. I immediately called back and spoke with a manager and she stated he would give her a training lesson but I do not believe anything was done. The very next day I called back and asked someone else if I was able to get an arrangement he said we can not do that placed me on hold, when he came back in the middle of him asking if I was still there he proceeded to hang up on me and did not give me the chance to respond to him. These conversations took place on XX/XX/XXXX @ XXXX .. XX/XX/XXXX @ XXXX & XXXX ... XX/XX/XXXX @ XXXX
07/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 930XX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX To Whom it May Concern My Identity has been stolen from XXXX of XXXX till Spring of XXXX. I was currently living in XXXX California at the address stated above. I have a couple reasons to back up my claims this is an identity theft fraud : 1. There have been MULTIPLE frauds Ive had to overturn on my account since XXXX of XXXX. 2. I reived a letter from XXXX XXXX that my data had been stolen, including my social security number. The theives have used my old address XXXX XXXX XXXX XXXX, XXXX CA XXXX which I have not lived at since XXXX of XXXX. You will see my original application, lease agreement, and notice to vacate attached to this document. 2. There are major holes in their claims because they used an old address that I no longer use. It just happens to be on my driver 's license still which I have NOT updated since I moved in XXXX of XXXX. 3. What's more? They took out these lines of credit in these apartment buildings states Ive never been to and places Ive never been to. 5. Ive created a credit fraud alert to the credit bureau and I have frozen my credit. THESE ARE THE FRAUDULENT ACCOUNTS : COLUMBIA DEBT RECOVERY {$1500.00} XXXX XXXX AMOUNT UNKNOWN Ive attached all the copies of police report, notice to vacate the XXXX address, income statements mailed to XXXX address stated above ( I rent so I do not pay utilities personally ), copy of my drivers license which has not been updated since I moved out of XXXX ( primarily because of COVID and I havent gotten around to it. ), and the signatures of the cop who filed my police report. Please let me know if I can assist you in this matter further. I had a near perfect credit score before this ( almost an XXXX ) and I would very much like my credit score to be reinstated to its rightful score and have these fraud claims overturned. Sincerely, XXXX XXXX
03/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85335	Web
Called the company they say they are collecting for XXXX spoke with XXXX and he told me that they do not lease for the apartment complex anymore and haven't for well over a year however, this debt collector is trying to collect a debt for XXXX that is not valid. They informed me that I do not have a debt with them and they do not even have an account for me and my spouse anymore. I have filed a complaint with identitytheft.gov, now cfpb, ftc and a police report on this company. They know all this information that I do not have an account and never owed this amount nobody can verify as they stated that XXXX could, but after talking to XXXX myself that is not true. They do not have an account for us. They will not reply to my emails or answer my phone calls or respond to communication via mail. They ignore me and will not remove the debt after it has been reported as fraud because they sent me a document with my spouse and my signature which is not a valid document and it has information crossed out like the manager changed some information and that automatically invalidates the form. We did not live at this place when they are trying to bill us for. We moved out a month before what they are trying to bill us for. This company is fraudulent and does fraudulent activity and needs to be sued and a class action lawsuit as there are so many people they have done fraudulent activity to as well. They will not respond to you in any form phone calls, emails or letters via mail if you do not agree with the debt so how do you dispute anything if they will not reply anyways. XXXX even told me that they never sent me any document within 14 days of us moving out because we did not have an amount due and no account left with them after we moved so this debt collector is trying to collect something from whoever took over the apartment leasing which is not who I leased through.
12/11/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	AZ 86314	Web
Upon moving out of my apartment ( XXXX, XXXX, Nevada ) in XX/XX/2021, the management refused to do a move-out inspection. About a month later, they sent me a letter saying I owed them {$140.00}, which was in addition to the {$300.00} deposit they were not returning to me. This document they sent me falsely stated this extra charge was due to " accelerated rent ''. At this point in time I had never been provided an itemized list of charges, which is required per my lease. I have pictures supporting my claim that the unit was left in as clean or cleaner condition than when I moved in, in accordance with the terms of my lease. XXXX years later now, the alleged debt is with a collection agency ( XXXX ) and when I disputed this debt they were able to provided an itemized ledger containing cleaning charges totaling {$340.00}. These charges are fraudulent. Additionally, the itemized ledger was never sent to me within XXXX days, as is stipulated in my lease. These cleaning charges are part of the cause of the alleged debt I owe. I have a complaint open with the XXXX ( which has given XXXX an " XXXX '' rating ) and am disputing this debt with the XXXX major credit agencies. I have pristine credit, and can afford the {$140.00} charge, but these business practices are fraudulent and should be stopped for the people that can't afford to have their {$300.00} deposit stolen and then their credit damaged due to fraudulent business practices. Neither XXXX ( the apartment ) nor XXXX XXXX XXXX XXXX ) has provided evidence ( i.e., move-out inspection form and pictures ) substantiating their claims. Additionally, XXXX 's communication practices have been vague, inaccurate, and not in accordance with the lease ; this is fraudulent behavior. I have attached a sampling of pictures ( due to file size limits ) and additional supporting documentation to this complaint.
09/30/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	TX 77494	Web
Issues with COLUMBIA DEBT RECOVERY LLC DBA Genesis Credit Management LLC. I leased an apartment back in XX/XX/XXXX in XXXX XXXX XXXX XXXX, aside from the rent, I had to pay proportional water and sewer that according to the lease contract, is around {$47.00}. When I received the apartment it presented several issues, mechanical, not clean, with stains in the walls and carpet, sent video and piuctures. All of this was communicated in email and letter on XX/XX/XXXX ; most issues were not taken care of by the leasing office. During my time in the apartment, the water and sewer was never more than US {$32.00}. On XX/XX/XXXX I gave my 60 days prior notice and vacated on the date indicated, XX/XX/XXXX. We cleaned as much as possible but the persistent issues since it was received continued in the apartment. I paid the proportional for all costs ( rent, water, sewer, trash, etc. ) for 12 days of the month of XXXX the A month later I receive an email that I owed US {$330.00} for water, sewer, utility, trash and cleaning and carpet cleaning. The cleaning and the carpet cleaning was US {$180.00}, I disputed the amount entirely since the issues they indicated where the same I made when received the apt . water and sewege charged was US {$120.00} ( 4 times the normal avg fee ) and I also disputed the amount. I sent the evidence but they didnt want to accept it and asked for evidence of the issues and the receipt for the services charged, they did not sned anything. Now 3 years later they sold this account to a collection agency expecting to me to pay without justification and when they couldnt get to me, they decided to put it in my credit report in at least 2 credit agencies, I submitted today disputes. This is an extorsion since being so small amount people would just pay to clean their credit, but this is not a true debt, its extortion.
06/02/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 762XX	Web
I XXXX XXXX, was an occupant on a lease for an apartment. The primary lease was in the name of XXXX XXXX and he joined the military forces before the lease was fulfilled. I paid my part of the re-letting fee and gave notice to the apartment complex that I had vacated the property 60 days prior to XXXX XXXX vacating the property due to military orders. The military Exempted his remaining fees on the apartment enlisting into the military. I discussed this matter with the apartment leasing manager and she assured me because I paid my 2 mts rent after vacating that nothing would be held against me because I was an occupant on the lease. Also due to XXXX XXXX joining the military this cost me undue hardship and caused me to have to move XXXX MI from my employment. Again the leasing manager informed me not to be concerned that none of this would affect me due to XXXX XXXX joining the military and exempting him and I from the lease. I have a Written Letter 60 days prior notifying the apartment complex that I would be vacating and I paid my 2 months rent as I was informed to do my the leasing manager. I continually was informed by the leasing manager to not worry about this because it would not affect me due to the military involvement with XXXX XXXX and this would exempt Him and I from the remainder of the lease since I had given notice and paid my 2 months of the releasing fee prior to my move out. Now after 1 year this has hit my credit as a collections and impacting me and my employment and future leasing ability. This company has negatively affected my credit and lied to me stating as long as I paid after the rent after my 60 days notice that this would not impact me because this was a military leave issue. They are trying to collect from innocent people that joined the armed forces to protect our country.
11/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77429	Web
I am writing this letter to formally dispute the alleged debt, which appears on my credit reports and is currently being pursued by Columbia Debt Recovery. After thorough review, I have determined that I do not recognize this debt, and I believe it has been reported in error. I am deeply concerned about the inaccurate and damaging information that has been reported to the credit bureaus, as it has caused me significant emotional distress. I understand that the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) provide consumers with certain rights, and I intend to exercise those rights to rectify this situation promptly. I request that Columbia Debt Recovery conduct a thorough investigation into the validity of this debt and provide me with all relevant documentation supporting its legitimacy. This includes but is not limited to : A complete account history, including details of the alleged debt, its origin, and the original creditor. Copies of any signed agreements or contracts related to the alleged debt with any ID that proof that I own this alleged debt. Verification of the date of the last activity on the account. Documentation proving that Columbia Debt Recovery has the legal right to collect on this alleged debt. Please be advised that, until such time as a thorough investigation is completed and you provide me with the requested documentation, I dispute the validity of this debt. I also insist that you cease all collection activities, including reporting this debt to the credit bureaus, until the matter is resolved. I am aware of my rights under the FDCPA and FCRA, and I am prepared to take legal action if necessary to protect my rights. I expect Columbia Debt Recovery to act in accordance with the law and to provide me with a prompt response to this dispute.
04/27/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CO 80015	Web
Amount : {$170.00} My husband and I have been receiving calls from Genesis for months claiming we owe a debt from a previous landlord. We have repeatedly asked to receive a detailed bill to determine if the bill is legitimate. They have repeatedly failed to do so. Every communication has simply stated amount. On XX/XX/14, the agent that call me claimed the bad credit marks would be removed if I were to pay immediately and they would leave us alone, then refused to send a letter stating as much in writing. I pushed for it to be sent in writing, and he eventually agreed. At the same time, my husband received a call, he explained this to the agent, the agent made false claims that this information had been sent by XXXX, that Genesis had to no requirement to do so. He threatened that if we didnt pay now, we would lose a lot more money, my credit would be damaged, and other veiled threats. He refused to cease after my husband said he would be retaining legal counsel. He was forced to hang up. I called genesis to get his employee Information so we could report his threatening behavior, and he was later identified as XXXX XXXX. Imediately after this call, XXXX, then proceeded to call me, who, less than 5 minutes before me from another agent. His voice was immediately recognizable, but he identified himself by another name. I was able to confirm this was the same individual during this call, which we recorded. He again refused to listen, or acknowledge that we had stated our intent to retain legal counsel. I then received a text message from Genesis immediately after that conversation and another email. I feel this constituted harassment, threats, and illegal debt collection practices. My husband also made a complaint regarding this and the credit removed, but it has not been removed from my credit
09/25/2022	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 32701	Web
Columbia Debt Recovery is attempting collecting a purchased debt in a state which they are not licensed to conduct business. According to XXXX XXXX XXXX upon searching " Columbia Debt Recovery LLC '' I have found that the company is not licensed to conduct business within the state of XXXX ( I have included a screenshot of the search results which show that they are only licensed within the states of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. ) XXXX state statute reads as follows, " XXXX of consumer collection agencies required ; exemptions. ( XXXX ) After XX/XX/1994, no person shall engage in business in this state as a consumer collection agency or continue to do business in this state as a consumer collection agency without first registering in accordance with this part, and thereafter maintaining a valid registration. ( XXXX ) Each consumer collection agency doing business in this state shall register with the office and renew such registration annually as set forth in s. XXXX. ( XXXX ) A prospective registrant shall be entitled to be registered when registration information is complete on its face and the applicable registration fee has been paid ; however, the office may reject a registration submitted by a prospective registrant if the registrant or any principal of the registrant previously has held any professional license or state registration which was the subject of any suspension or revocation which has not been explained by the prospective registrant to the satisfaction of the office either in the registration information submitted initially or upon the subsequent written request of the office. In the event that an attempted registration is rejected by the office the prospective registrant shall be informed of the basis for rejection. ''
09/14/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	CO 80222	Web
Genesis credit attempted to collect a debt from me and joint party XXXX XXXX from an old apartment complex. First XXXX was harrased and verbally abused at work by two employees from Genesis. They called him back to back while he was at work yelling into the phone when are you going to pay and then hanging up before he could speak. I sent a written request via email to have no further contact at that specific number and asked that the verbally abusive employee XXXX not contact us at all. We did not accept or make any settlement agreement with XXXX. He sent a settlement offer that we did not accept. I called Genesis and requested a supervisor which I received named XXXX XXXX. He said their legal department said they couldn't use the form I created but he was willing to accept my settlement offer as paid in full and request deletion from my credit report. I asked for proof in writing that if I paid XXXX it would be accepted as paid in full and deleted from my credit report. He said okay and emailed me a letter with no expiration on it saying he would accept my payment and req deletion. I paid XXXX on their website 2 days later. A week later XXXX the verbally abusive employee that harrased XXXX at work emails us an attempt to collect the remaining balance and did not request deletion as stated in the email supervisor XXXX XXXX sent. I filed two complaints. One with XXXX and one with XXXX. XXXX looked at my evidence and deleted this debt from my report and XXXX stated today that Genesis says the remaining balance is valid and they are not removing it. Genesis violated FDCPA each time they called XXXX at work screaming and then hung up and they are now trying to collect on a debt that they accepted XXXX as payment in full on and agreed to delete. They are reneging on the agreement made.
03/02/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33317	Web
XX/XX/XXXX, My son called property manager of apartment complex to get Security Deposit, leasing agent told him we owe money. The keys to the apartment was returned on XX/XX/XXXX. XX/XX/XXXX the collection agency sent my son an email stating that we owed {$7100.00}, I did not receive an email and I am the primary signer on the lease. The email did not state my rights to dispute or that I had 30 days to dispute, as state I did not received notification by mail. In the invoice there was a list of charge There was a list of charges with no explanation which months rent and expenses are collected/owed. The line items with amounts that are not factual and the write off Charges do not have description just numbers/amounts with negative or positive signs. The line items must have a description to determine the validity of the amounts, there are number but the same amount has a different number ( {$2200.00}, has XXXX, XXXX, XXXX ) which listed in one area as based rent ; this item must always have the same number code assigned even if different month. Utilities cost more for 20 days than entire month. Rent amount is {$1800.00} which included trash pick up, water, insurance. Sewer is billed from an outside company at rate of approximately {$50.00}. Water cost more for 20 days than for 30 days This debt is fraudulent, the apartment complex received payment as stated in the judgment issued XX/XX/XXXX and it was for five days of rent. No court filing were made after XX/XX/XXXX. GENESIS CREDIT MANAGEMENT LLC, has this amount as owing rent and is listed when my name is search on the internet, which lead to myself and my son not being able to rent an apartment with this collection on my credit report. Genesis Credit did not file any legal complaint against me or my son which violates FRCA.
08/05/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 22193	Web	Servicemember
I resided in a community rental " XXXX XXXX '' when the Covid started, after 4 to 5 months I was laid off among 150 other employees due to Covid from the same company, it became a hardship to pay the bills and the rent so I decided to move instead of getting a " Notice to vacate or Evicted ''. They said regardless of the situation I had to pay 3 months in order to move out, they did not care about the Covid situation due to loss of employment and If I did not pay I will be put in collections. So they did anyways and now my credit is hurt due to an unexpected situation that happened to millions in the US and other countries. I need this removed from my credit. COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : XXXX MONDAY-FRIDAY XXXX TO XXXX XXXX XX/XX/2021 XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX, VA XXXX Original Creditor : XXXX XXXX Placed for collections on : XX/XX/2021 Original Principal : {$6500.00} Current Principal : {$6500.00} Interest Due : {$12.00} Total Due : {$6500.00} XXXX XXXX, As you are aware, your account is past due. Since we have not received any response from you regarding your balance, we request you choose one of the following : Mail the past-due amount today to the above address. Mail a post-dated check today dated for any date this month that funds will be available. Contact the undersigned account representative so satisfactory arrangements can be made. Your attention to this matter is important to avoid further collection efforts. If payment has already been remitted, please call and notify your account representative promptly upon receipt of this notice. *To make a payment or setup a payment plan, go to www.genesiscred.com. Sincerely, COLUMBIA DEBT RECOVERY LLC DBA GENESIS ( XXXX ) XXXX
10/06/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	NC 28210	Web
I received an alert via my credit card on XX/XX/XXXX that my credit score had changed due to an account being placed in collections. When viewing this alert it was from a company called Genesis that I have never heard of or had any contact with. The {$130.00} charge was seeming from an apartment complex ( XXXX XXXX in XXXX, TX ) I lived in from XX/XX/XXXX - XX/XX/XXXX. All payments made while a resident here were made directly to the complex - Not through a third party and certainly not three years after lease termination. I immediately submitted disputes to all three credit bureaus and called the complex. The complex informed me that they had no record of us owing any additional fees and advised me to reach out to Genesis directly. I informed the team at Genesis that I had never received written documentation that this debt existed or notification that it would be sent to collections. While on the phone with the team there, I asked them to verify the contact information they had on file. The operator provided me with an invalid ( fake ) email address and the address where my parents currently live. Not only did this confirm that they did not attempt to collect a debt from me, but confirmed that this is likely a false debt as they did not have my legal name, an email address, or a valid address on file. The team member I spoke to informed me that they had indeed attempted to reach out so I asked for that documentation to be emailed to me, along with confirmation that he was starting the dispute process per my request. I provided him with my valid email address to send the above requested documents to me. As of today, XX/XX/XXXX, I still have not received any communication verifying that contact attempts were made or what next steps are in the dispute process.
04/17/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 91325	Web
This company operates under two names Columbia debt recovery and Genesis collections. They have put a negative mark on my credit without notifying me of debt. When I called, I first spoke with someone named XXXX who was rude, kept talking over me and said that my complaint was " not a big deal '' and that they have something called " a hardship '' that might be able to lower my amount due. He then stated that theres no rush on it as his sarcastic implication was as if I couldnt pay it anyways. Problem is-THIS IS A BIG DEAL to me and I asked for an itemization of what they are trying to collect on. I even asked for proof that they are who have been put in charge by XXXX to collect. This person was sarcastically speaking so I asked for a manager. I spoke with XXXX XXXX who did speak professionally and heard me out without speaking over me. Still, this company refuses to remove this collection from my account while correcting the amount due errors or giving me a chance to pay any correct amount and instead, XXXX stated " we will update it '' with the correct amount due. However, this shouldnt be there at all because they never gave me a chance to pay the correct amount before putting this on my file. XXXX also stated that he has had the account since XX/XX/XXXX and that they mailed me a letter of the debt. I told him that you did not because I would have received it and it would have also been pictured in my informed delivery from the USPS which nothing from their company has been. I also asked for any proof of mailing me such notification and he said they arent required to have that. Still, XXXX refused to remove this from my account. This is a collection, full of fraud/eroneous billing that has been placed on my credit file ( s ) under two different names.
08/11/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92691	Web
We lived in the XXXX at XXXX XXXX from XXXX XXXX XXXX. At around XXXX or XXXX of XXXX we could tell there was a change in management. We were waiting for our written notice for renewing our lease, in order to tell them we will not be renewing, but this notice never happened. In the past this notice was sent back around XXXX or XXXX for us. The purpose of including this is to show how disorganized they were. My husband decided to contact them at the end of XXXX to end our lease. Of course due to rising XXXX concerns, they were no longer in office. It took us a week of leaving voicemails to get ahold of them. My husband explained the situation that we will not be renewing our lease and when can we leave by to not have a charge. The company told us we could leave by XX/XX/XXXX, and that our balance would just be the remaining rent for that XXXX balance, which was around {$400.00}. We agreed on these terms, paid our balance and moved our. A month later we received a bill from them of {$900.00}. We had no idea what we were getting charged for so much husband tried to contact them. Again no one was in the office so we got no call back from all the voicemails left. After I sent an email we got a call back stating that the balance was from us leaving early. This was not something that was stated to us as they agreed we could leave XX/XX/XXXX with no debt owed but the {$400.00}. The company said they would call us back the next day to solve our issue. This call never happened, and in fact they ignored all our calls and emails to dispute this and within a few weeks sent this to collections. I now have a hit on my credit due to this and the company refuses to fix our issue. We are asking if we could please solve this so I could get it removed thank you.
06/06/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85016	Web
I am a prior tenant of XXXXXXXX XXXX in XXXX, AZ, owned by XXXX XXXX XXXX XXXX- I moved out on XX/XX/XXXX. On XX/XX/XXXX I received an email notification from XXXX XXXX at XXXX XXXX Department notifying me of a {$140.00} outstanding balance, which I assumed was from XXXXXXXX XXXX. There was no explanation to this charge, so I immediately replied to this email ( I " replied-all '' to XXXX and XXXX ) to ask for clarification. I never received any response and never received any additional correspondence from either XXXXXXXX XXXX or XXXX about this charge - I assumed it was sent in error and the charge was rescinded. In XXXX of XXXX I started receiving credit score alerts notifying me of my credit score lowering, which caught me by surprise. Upon investigating the derogatory mark responsible for lowering my score, I saw it was due to a new collections account appearing on my report, which is Genesis Credit Management on behalf of " XXXXXXXX XXXX XXXX. '' On XX/XX/XXXX I " replied-all '' again to my email I had sent back on XX/XX/XXXX asking again for an explanation of charges and demanded they cease credit actions against me- I still have not received a response. On XX/XX/XXXX I called XXXXXXXX XXXX to ask for an explanation of charges and I was told " my account is closed and only XXXX can address my issue. '' I was not, however, provided with any direct number of any XXXX employees ( despite my repeated requests ). I was only provided with a generic XXXX number, which I called and left a voicemail with ( on XX/XX/XXXX ) where I referenced my situation and email correspondence, and still I have not heard back from XXXX. Please help. It feels criminal that XXXX can damage my credit score for an unpaid debt they never explained/justified.
09/21/2023	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 37128	Web
I was first emailed by the company about the debt that was owed on XX/XX/XXXX The same exact day. I was then called by the company, and I let them know that the landlord had not got back with me about how to pay for the debt, but they told me that I still need to pay it. They then proceeded to tell me that I was lucky that it had not been reported to my credit yet. I told him I would call back later to try to get it paid. Once I was able to talk to my spouse, it had become late and they were closed. The next day XX/XX/XXXX I was contacted again by phone from the same agency. I asked the debt collector nicely to call me later because I was at work. She then proceeded to get very hostile and say well. I was supposed to call back yesterday. Ive been informed her that by the time that I could call back it was past time and no one was in the office. I then told her that I get paid on Friday and I probably could make a payment. Then, she then proceeded to say good luck in a very nasty tone, as if something was going to happen to my credit. I told her she did not have to get nasty with me and I hung up the phone. I then called customer service to try to talk to a manager about how I was treated. while on the phone with the manager, the manager, then got nasty with me as well and told me that I was delinquent he then told me that I must not care about my credit because I was not making the payment today. I told him that I would try to pay it on Friday when I got paid, but he continued to be nasty about it and threaten my credit. I did then get nasty back with him because I felt threatened. At the beginning of this conversation, I try to explain how I felt dealing with the other agent, but he talked over me and would not let me finish a sentence.
12/15/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	CA 90713	Web
The company is trying to request debt that is not mine and opened a collections account. The collections company said I owed a debt of {$1600.00} from XXXX of XXXX which goes directly against the statement I have of what I owed the apartment company due on XX/XX/XXXX. The charges that the collections company shows does not even make any sense. They claim I owed utilities from XXXX and XXXX of XXXX which is made up as the utilities were held in my name directly and not the apartment buildings. I have the utility account numbers and proof of having accounts directly with the utility companies. I have also attached my lease which shows under number 7 that the company did not pay utilities as there were no boxes checked indicating that they were responsible for them. Also the account number on the statement they provided me is not the same account number I had with the apartment company which I also have proof of. Lastly, this company claims two payments was made on XX/XX/XXXX in my name one of {$33.00} and one of {$1000.00} which I did not pay as this is not my debt. The last statement I received from the apartment company was on XX/XX/XXXX. Lastly the collection agency is saying I owe damages for cleaning, painting and carpet cleaning which does not add up as no damage was done beyond normal wear and tear and plus I never received anything from the apartment company claiming these allegations. I told the collection agency two separate times that this was not my debt and I want to dispute it. Bases on all the facts above and most importantly the fact that the account number they provided me was wrong, this is not my debt as I have no association with the account number they gave me. It seems to me this is an attempt as a money grab.
04/17/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28216	Web
I have reached out to the company XXXX XXXX XXXX several times i even sent certified mailed with my id proof of address and dispute letter along with ftc and police report that was received on XX/XX/XXXX according to when the slip was signed for acceptance I sent it by certified mail because first kept saying they didnt receive certain things basically giving me the run around but it was finally signed by XXXXXXXX XXXX XXXX XXXXXXXX XXXX I was told the collections would be removed due to identity theft however they didnt remove that was from the district they also are reporting two different balances one they are report for XXXX and each month adding interest then the other is XXXXwhich it should not be a balance that violates the and should be removed on those grounds according to The FCRA Protects You From Credit Report Errors Mistakes must be removed once you have reported an error on your credit report or background check, and the reporting agency can not verify that the information they have is correct, they must remove the error within 30 days. well I have submitted where I was staying during the time period multiple fta reports and police report and confirm my identity also XXXX XXXX has given me such a hard time for the past XXXX months and their website does not allow me to log on and dispute all the other credit bureaus have removed this item however XXXX is avoiding me and I spoke with ally XXXX XXXX from fraud special Handling and she was rude and hung up on me I would like the call monitored before doing so she also told me that the forms I sent by certified mail could not be combined with the forms from XXXX XXXX that I sent it by cfpb but they are the same company why cant you use the same documents.
07/20/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WA 98106	Web
The Columbia Debt Recovery group ( I believe d/b/a Genesis Credit Management ) has asserted a fraudulent amount owed and represented the same to various credit reporting companies. Per stipulation filed in a XXXX XXXX XXXX on or around XX/XX/2018, a total of {$2100.00} was agreed to be paid to bring the superfluous eviction case brought against me by XXXX XXXX XXXX XXXX to a resolved conclusion. This was the agreed total cap of the amount owed. XXXX XXXX XXXX, however, failed to credit my account or offset this total due by the last month 's rent that I had paid ( total of {$1000.00} XXXX or the deposit I had made on the unit prior to moving in ( {$300.00} XXXX. This brings the total to {$790.00}. I have indicated from the onset of this disagreement that I stand ready & willing to pay this {$790.00} today. However, Columbia Debt Recovery has inexplicably added {$1400.00} in 'late fees. ' The only reason I am even aware of this added figure is because this is the amount indicated on my credit report ; I have never received an accurate billing or a justification for this late fee. Note also that the stipulation does not indicate any late fees & there is otherwise no agreement for this late fee. Further, any late fee percentage would have been based on the higher figure that does not account for payments made or the proper offsets as indicated above. Columbia asserts that they have not received evidence that the last months ' rent was paid, but that is an incorrect assertion. They received a copy of the uncashed check given to me by XXXX XXXX XXXX as a refusal of my last months ' rent. Because this amount remained in the landlord 's bank account, this is irrefutable evidence that the last months ' rent was paid.
06/22/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77056	Web
Hi, I was based in the apartment XXXXXXXX XXXX from XX/XX/XXXX to the end of XX/XX/XXXX, my contract was until XX/XX/XXXX and they did not renew the contract because they wanted to demolish the apartment, but they allowed me to stay in that apartment until the end of XXXX, I vacated the apartment on XX/XX/XXXX and handed over the key to the office and received the receipt. During all the years I have lived in the apartment XXXX, I have paid all the rent in full and on time, and I have all the payment receipts. And I have no debt. After 3 weeks, I went to the XXXX north office to receive the deposit amount, and they said that I should request the deposit amount from XXXX.And they gave me an email to correspond with them, after the correspondence and email sent by XXXX company, I found out that they charged me XXXX dollars, I followed up with the management of XXXX and they emphasized several times that I had no debt and printed a sheet for me that clearly stated that the balance was zero.After that, I corresponded with XXXX company several times by phone and email and inquired about the reason for the debt, but unfortunately they did not have an answer to my questions and said that we do not have information about your case and you should contact Collection.I have called the collection several times and sent emails, but I have not received any positive response and my emails remain unanswered. My explicit request : First of all, I don't have any debt, but if they think that I have a debt, they should clearly inform me which month and what the debt is related to ( for example, the amount of rent, water, gas, etc. ) As I said before, I have receipts for all payments and will send them if needed. Thank you.
04/14/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CO 80015	Web
Amount : {$170.00} My wife and I have been receiving calls from Genesis for months claiming we owe a debt from a previous landlord. We have repeatedly asked to receive a detailed bill to determine if the bill is legitimate. They have repeatedly failed to do so. Every communication has simply stated amount. Today ( XX/XX/14 ), the agent that call my Wife claimed she the bad credit marks would be removed if she paid immediately and they would leave us alone, then refused to send a letter stating as much in writing. She pushed for it to be sent in writing, and he eventually agreed. When I received a call today XX/XX/14, I explained this to the agent, he made false claims that this information had been sent by XXXX, that Genesis had to no requirement to do so. He threatened that if i didnt pay now, I would lose a lot more money, my credit would be damaged, and other veiled threats. He refused to cease after I said I would be retaining legal counsel. I was forced to hang up. My wife called genesis to get his employee Information so we could report his threatening behavior, and he was later identified as XXXX XXXX. Imediately after this call, XXXX, then proceeded to call my wife, who, had already received her call under 5 minutes before me from another agent. His voice was immediately recognizable, but he identified himself by another name. My wife was able to confirm this was the same individual during this call, which we recorded. He again refused to listen, or acknowledge that we had stated our intent to retain legal counsel. My wife then received a text message from Genesis immediately after that conversation. I feel this constituted harassment, threats, and illegal debt collection practices.
08/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MS 38632	Web
Qn XX/XX/XXXX I received a notification that my credit score dropped XXXX points due to a collection posted by Columbia. I had never heard of them or from them but found out it was from a debt I disputed multiple times since XX/XX/XXXX. I first received a notification of amount owed from my son 's apartment that he moved out of XX/XX/XXXX. I called the complex and was told to submit dispute in writing, which I did on XX/XX/XXXX ( the same day I received the notification ) and submitted pictures showing no damage/not cleaned. I never heard again from them. About a year later I got a collection notice from XXXX ( XX/XX/XXXX ) for same amount. I called to dispute on the same day and to send pictures to which I was told my pictures would not be honored since they were on my cell phone. I then contacted my attorney XXXX XXXX who sent a dispute letter to XXXX stating he had reviewed the charges and my pictures and found the charges erroneous & that a stop be placed on this collection and it is not to be reported to any credit reporting bureau as the charge is not a valid debt. I never heard again from them. Over a year later - XX/XX/XXXX I found the report from XXXX whom I have NEVER heard from ( nor has my son XXXX ) when I had a drastic drop in my credit score as it was reported on both of our credit reports. I disputed with all 3 credit bureaus that it was wrongfully reported only for XXXX to state the debt was accurate on a debt that was not valid, disputed multiple times yet still sold and was proven to be inaccurate through pictures and reviewed by my attorney.. How can they have purchased this invalid debt, never contact me or my son and then report it on our credit reports and refuse to correct it?
11/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33647	Web
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. -Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report In acceance with the fair credit Reporting XXXX act XXXX Account XXXX XXXXXXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Collection Agency GENESIS CREDIT MANAGEMENT LLC Original Creditor Name XXXX XXXXXXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2600.00} Amount {$2800.00} Status Date XX/XX/XXXX GENESIS CREDIT MANAGEMENT LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DateMay XXXX, XXXXXXXX XXXXXXXX XXXX XXXX XXXX AddressXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX DateXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX DateXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
12/15/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	NC 27513	Web
I have been receiving debt collection notices by email for a few months all of the sudden. I have never heard of this company before and they claim I owe them {$130.00} on a lease. I have never had a lease with this company called XXXX XXXX. So I looked it up and it is a property that my mom and I APPLIED to almost 3 years ago, whose name has been changed since then, and whom claimed we owed them application fees when we had proof that it was paid! We went back and forth with them for weeks about this and, finally, they stopped. Now, years later, I get this fraudulent collection notice. I can not dispute it with the collection agency as they require me to provide them with a unit number that my " lease '' was under but I never lived here. We applied only and ended up getting a house instead. I also have no bills that were in my name at the time of this for proof of residence as I had just moved back to NC and lived with my mom at the address these people have listed on the collection notice. They also want a copy of my DL, which I am not giving them, as well as a copy of a police report, which I don't have because up until XXXX months ago, I was under the impression that this situation was resolved as we don't owe these people a dime! I will have to attempt to find the former name of this leasing company, then search through all of my emails for the last 4 years, and hope that the old ones didn't get auto deleted from my inbox showing that the payment for the application fees went thru as well as all the emails we had with this leasing company when they tried to take the paid leasing fees out of my bank account, fraudulently, multiple times after they were paid originally.
06/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 37421	Web	Servicemember
In 2019, I notified my apartment complex that I was vacating the apartment. I received a short term lease as a result. As well as being in constant communication in person and via email regarding the exact date in advance according to Washington state laws I would vacate the apartment therefore needed a checkout walkthrough. I received an alert in 2019 that a collection was placed on my credit report, called and emailed the company with no results. The apartment complex threatened a lawsuit for extra days and a few months as intimidation instead. I sent them and the credit bureaus supporting documentation and it had a status of resolved. I have now been notified that they've updated the disputed information with a higher amount for these charges. They are aware I don't owe anything. They are aware that it is affecting my credit scores. This is highly deceptive practices to update my credit reports years later. I am assuming in hopes that I don't have any documentation to support my claim is the reason for the new update. My access to my leases had a specific timeframe that would also allow me to access the communication between the leasing office as well. This update is happening now that the access has expired. Based on recent reviews on XXXX XXXX XXXX and other websites, this seems to be their standard deceptive practice to file collections for amount ranging around {$3000.00} upon move out. They did a walkthrough after I had left because they stated they were unavailable up until my last date to vacate even though I had moved days before to allow them time to review the apartment. I was told I owe for some carpet due to pet damage otherwise didn't owe anything.
11/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78704	Web
I contact XXXX XXXX on XX/XX/2018 and they responded. On XX/XX/2018 I provided further information as to their failure to uphold their own lease terms. The constant XXXX XXXX, the lack of the use of Washer and Dryers and money wasted. The neighbors downstairs noise and guest violence. My daughter grades are suffering and Im just exhausted with it all. I appreciate so much the opportunity to make a fresh start but my whole life was just crippled by the environment and inability to have space to even relax. Im working sometimes XXXX am to XXXX XXXX and its just constant noise and disrespect of the community. If I try to tune it out then my downstairs neighbor beats the ceiling or slams the door. She is volatile and manipulative and it triggers me to get so depressed because I am upset. I cant function and be productive like this. On top of these issues there were several XXXX snd XXXX users on the premises and soliciting drugs to my daughter as she walked to and from school. This company put my childs life at risk snd endangered others. The leasing management partner XXXX XXXX offered me to move properties but all were very similar to the same environment. I do not owe Genesis Credit Management XXXX XXXX XXXX. There has been no debt verification, validation sent to me ever and I be not resided on this property in over 2 years. Until they can provide proof of NOT allowing drug activity on the premises and allowing barred/banned residents to remain in the property and also child predators on the property as it relates to THEIR own terms and conditions and bond agreement then there is no basis for this collection claim and it needs to be removed immediately!
10/11/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	TX 75035	Web
I was living in XXXX XXXX and my lease was ending on XX/XX/XXXX. I reached out to the XXXX XXXX XXXX on XX/XX/XXXX that I bought a new home and I can move out early by a month and I need their assistance so that I can save some money as I dont want to pay both Rent and XXXX at the same time. Property XXXX had called me to the office and suggested that she can only approve XXXX days early move out and noted in the print outs that XX/XX/XXXX move out approved and do not accel Rent. She didnt mention anything about early termination fee or anything that sorts during the discussion. My XXXX month rent was {$1500.00} and I had paid the prorated rent, other utility costs {$890.00} on XX/XX/XXXX and dropped off the keys in XXXX office on XX/XX/XXXX end of the day. XXXX sent me an email after few months that there are penalties for early move out / lease end date change, which is way ( XXXX to XXXX times ) more than $ XXXX that I was trying to save by moving out early. I did sent many emails or letters to XXXX disputing the transaction and no response received. I did work with an attorney and sent Demand for release letter to XXXX. Later, they had reduced the amount from XXXX XXXX XXXX XXXX XXXXXXXX, which is still way more than what I could have paid if I was staying inXXXX for those 15 days of remaining lease duration. This is really unfair and trying to take advantage of the innocents like me. I did explain this and dispute the transaction with the collection agency as well and they dont show any interest in explaining/ resolving the issue. They are just reading out the amounts that it is valid. Either they dont understand the issue or they dont want to.
09/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IA 503XX	Web
On XX/XX/2022, my brother was contacted by Columbia Debt Collectors stating he owes money for charges at his old apartment. He is in the United States XXXX XXXX, who pays each month for his apartment in a stipend. The debt collector stated he owes the apartment complex money for " fees ''. he inquired about the fees and half of them seem not legitimate. The charges are from months prior to moving out, that were already paid. The company tried to charge an additional amount for rent, saying it wasn't covered but that was inaccurate. The collector was rude, aggressive and not helpful with understanding how these so called debts were accumulated. On XX/XX/2022, I contacted the Debt Collector at ( XXXX ) to ask questions as I was a co-signer for this apartment. I asked for the collector to send an itemized list of what is owed and sought for payment. He was very rude, and told me to contact my brother for the information and refused to send it. I asked to see the apartment contract he had on file and he told me I should of kept my own contract, which seemed out of line. The male then threatened me saying you need to pay your bill by tomorrow, and kept pressuring payment without actually explaining what the payment was for. It felt like a scam and just unprofessional. The collector also stated he needed my information to speak to me about the charges, yet claimed he had all the info he needed for myself and my brother. Just very unsettling. Columbia Debt Collectors state we owe {$420.00} for something regarding the apartment complex my brother use to live at. No itemized list provided and management never reached out to notify money was needed.
06/10/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 92345	Web
So me and my roommate were staying at an apt complex ( renting ) we were there from XX/XX/XXXX to XX/XX/XXXX the managers there stole money from us and we're overcharging for services that was not given. On the other hand we had charges for things that weren't even listed for the the charges were for. When we found out we threatened to take legal action and was then refunded only a portion of what was owed to us. It was refunded on a gift card purchased from a XXXX which was very unprofessional and showed that they knew they stole the funds and was caught by us. Before we moved in on XXXX XXXX The same management company had rented us another apt at their sister complex which was very uninhabitable it had a very bad infestation of cockroaches, mold on the wall and very dirty cabinets. So bad we slept in our vehicle and motels because It was very unlivable. When we complained about it they offered us to the place we moved to on XXXX XXXX. After we caught them in the act of stealing we wanted to leave. They told us we had to pay XXXX dollars to break the lease. We hired an attorney and he contacted them and they immediately said we can leave without paying any fee 's stated. We left the place in immaculate shape and very clean with no damages. When we turned in the keys they did not offer us a walk through. So thinking everything was good me and my roommate moved on. Next thing we know they had reported fees and charges from what they claim were damages in the apt . Never contacted us, e-mail or called about these charges but sent it to a debt collector Columbia debt recovery service LLC XXXX on XX/XX/XXXX which was about a month after we moved.
06/10/2022	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 92345	Web
So me and my roommate were staying at an apt complex ( renting ) we were there from XX/XX/XXXX to XX/XX/XXXX the managers there stole money from us and we're overcharging for services that was not given. On the other hand we had charges for things that weren't even listed for the the charges were for. When we found out we threatened to take legal action and was then refunded only a portion of what was owed to us. It was refunded on a gift card purchased from a XXXX which was very unprofessional and showed that they knew they stole the funds and was caught by us. Before we moved in on XXXX XXXX The same management company had rented us another apt at their sister complex which was very uninhabitable it had a very bad infestation of cockroaches, mold on the wall and very dirty cabinets. So bad we slept in our vehicle and motels because It was very unlivable. When we complained about it they offered us to the place we moved to on XXXX XXXX. After we caught them in the act of stealing we wanted to leave. They told us we had to pay XXXX dollars to break the lease. We hired an attorney and he contacted them and they immediately said we can leave without paying any fee 's stated. We left the place in immaculate shape and very clean with no damages. When we turned in the keys they did not offer us a walk through. So thinking everything was good me and my roommate moved on. Next thing we know they had reported fees and charges from what they claim were damages in the apt . Never contacted us, e-mail or called about these charges but sent it to a debt collector Columbia debt recovery service LLC XXXX on XX/XX/XXXX which was about a month after we moved.
12/15/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 77429	Web
During the COVID-19 Pandemic In XX/XX/2020 I notified XXXX XXXXXXXX XXXX XXXX XXXXXXXX that I would be vacating the property. I emailed a 60 day noticed to vacate to the property manger as well as dropped a copy of the letter in the office drop box. Because of the Pandemic the apartment office was closed, as well as much of the world was placed on quarantine. I vacated the property before XX/XX/2020. In XXXX of XXXX I was received a phone call from a new property manager regarding past due rental charges for XXXX and XXXX. I informed the manager that I no longer lived there, and that the previous managers were notified. The new manager stated that she had no knowledge that I had vacated the premises, she could not find the hard copy of my notice. I informed her the letter was also emailed. After checking the property manager email she found a copy of my letter. But I was told that emailed notices were not acceptable, and I needed to pay the charges accrued. I tried to resolve the issue unsuccessfully. XXXX XXXX XXXX XXXX XXXX sold this fraudulent debt to a debt collector, Columbia debt recovery LLC DBA Genesis, who has reported these fraudulent charges to the credit bureaus. I was contacted by debt collection agency requesting payment of {$3600.00}. I tried to dispute the charges, and informed the debt collection agency that the charges were fraudulent. They informed me that the debt was purchased from the XXXXXXXX XXXX XXXX and was considered accurate. My credit report and credit score has been damaged due to The Covid-19 pandemic, causing an abrupt global quarantine, an unprecedented event which ultimately resulted in this error.
09/29/2023	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 27707	Web
I got into a XXXX XXXX accident resulting in losing my car on XX/XX/XXXX. After recovery, I and my roommate sat down & agreed that it was best for me to move back to NC to get back on my feet. We agreed & signed a roommate release form, and turned it in to the office on XX/XX/XXXX, ( luckily, she already had a new occupant in mind ). I left the apartment XXXX XXXX. The new tenant was initially supposed to move in around XXXX but got pushed to XXXX XXXX... I have proof of my ex-roommate stating that she has paid the rent for those XXXX months while waiting for her new roommate. I then started receiving eviction notice emails stating that the rent was not paid ( first received on XX/XX/XXXX ). I questioned her about it & she told me ( XX/XX/XXXX ) to disregard it because she would pay the rent and additional to get it removed. However, that did not happen, and when I received another eviction email on XX/XX/XXXX, questioned her about it, she then revealed to me that she did have to " deal with this '' /stay at the complex and that she doesn't care about paying the evictions because she applied to the apartment complex with a fictitious social security number to get it approved so that she wouldn't get penalized for not paying the rent. I alerted the leasing office about this matter and requested feedback on what they would do but I have not received any communications from the company about what was done with the lease. I was told by my lawyer ( XXXX XXXX ) that if the lease had included her name & she had used a fictitious social security number the lease would not be accurate in itself along with disputing the collection.
02/21/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CO 80014	Web
COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : XXXX MONDAY-FRIDAY XXXX TO XXXX PST on XX/XX/XXXX I received a email saying I own them money from a property I lived 3 years ago and left with a lease termination. due to un live-able conditions. the property was sold off to a new company and now the new company is trying to collect the amounts for the rent if I lived there but my lease was terminated and keys surrender over 3 years ago. the debt collector refuses to provide the lease, the termination paperwork or anything to prove the debt and just non stop calls and treats against me for not paying this. I asked many times for the lease and they are saying they don't have to provide that to me and after I got a hold of the supervisor he was no help and told me NO. then said mail us a letter asking for it. I sent them a email back with this. I am writing in response to your repeated attempts to collect a debt from me. While I understand your obligation to collect debts on behalf of your client, I must insist that you provide me with legitimate proof of the debt that you claim I owe. I have received several notices from you, but none of them have provided any real evidence of the debt in question. Therefore, I am requesting that you cease all attempts to contact me until you can provide valid proof of the debt. Please note that your failure to provide legitimate evidence of the debt will be considered a violation of the Fair Debt Collection Practices Act, and I will be forced to take appropriate legal action to protect my rights. Thank you for your attention to this matter.
11/22/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	OH 44039	Web	Older American
Company-Columbia Debt Recovery . Original Creditor-XXXX XXXX My daughter moved due to employment in XXXX from XXXX to XXXX. I provided temporary care for my granddaughter for XXXX weeks, until my daughter could establish child care. The Apartment Management company ( XXXX ) wanted all adults residing in the unit to be named on the lease. I did not originally apply for residency and my income, or credit was not used to qualify and obtain residency. ( see original lease ) The apartment management company stated in writing that my income or credit would not be used, I signed understanding the statement written and the fact that I was supposed to be listed as an adult dependent. ( see letter from XXXX XXXX ) We later found out that they not only ran a background check, but accessed my credit ( which the credit bureau did reply with an address discrepancy, because I am not a Florida resident-see addendum ). Someone forged an income for me which I did not provide. I never provided any banking information, nor did I make any rent payments. I was not employed at the time, I only work part-time. Turns out the XXXX XXXX listed me as a Joint Tenant!! The Columbia Debt Recovery Company has subsequently filed a derogatory collection on my credit report. I disputed the information, the collection company says the information is accurate. I do not owe this amount and this account does not belong to me and should be removed from my credit report. Can you please provide some help? Thanks in advance. ( I was unable to attach the complete original lease, too large, I am more than willing to fax or email it to you if needed )
12/09/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 22032	Web
My wife and I have been disputing a debt with our old landlord since XX/XX/2022. In short, they are assessing damages to the apartment, specifically to the carpet, which they claim go beyond normal wear & tear. We have argued with them back and forth for some time, asserting that the photographs provided do not amount to carpet damage and that they willingly chose to fully replace all carpets in the unit when there was no need to do so and simply want us to foot the bill. On or about XX/XX/2022, we received a written notice from Genesis XXXX XXXX d/b/a Columbia Debt Recovery, LLC , informing us that the apartment complex had referred the debt to them for collection. On XX/XX/2022, we forwarded the email chain with the apartment complex to the email provided by the collection notice ( XXXX ) along with the reference number for the case. In the email we referred them to the apartment complex communications and again stated that we disputed that a debt was owed and to bring an action in small claims if they wished to pursue the matter further. We received an automatic reply email from the debt collection agency indicating that our response was received and that someone would get back to us within 7 days. We never received any additional communications regarding the debt from Genesis, either via mail, text, email, or phone. This morning, 30 days after receiving the collection notice, we were informed by our credit agency that Genesis had reported the debt as owed and that it is now affecting our credit scores. No one at this agency picks up the phone and we have been unable to get in contact with them.
11/16/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30047	Web
XXXX XXXX XXXX charged me + {$600.00} for the paint to the livingroom wall after I moved out, knowing that I have pictures for the apartment at the move out date proving there was no damage to the wall where they are claiming the damage. Also, I had a work order dated one year before I moved out regarding the bathtub and its enclosure. The paint was peeling and showing what beneath. I asked them to resurface the tile wall and the tub but they did not respond and they are now charging me for!! They were also about to charge me for the floor covering but I argued withem about it and I proved to them that the prior management company moved me in the unit with an old carpet and vinyl! 2 days ago, I have disputed the balance with XXXX and sent them the pictures but they unfortunately closed the case as accurate without even looking into my case!! My concern is that XXXX XXXX XXXX as well as the collection agency are trying to make mass profit on tenants like me by sending these fake charges after weeks of the actual move out!! The Property manager refused to walk through the apartment with me at the move out date and she said she will inspect the unit after a couple of days then she will send me the statement!! I did not know that this is their procedure to put extra charges on the moving tenants. I'm working as a property manager too, and I know how to take care of my place. I have never been late with my bills and I care about my credit score, but when it comes to stealing my money I can't keep silent. I appreciate you would look into my case asap and please let me know whenever you need the proofs.
08/29/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	FL 32725	Web
I was a resident of XXXX XXXX XXXX managed by XXXX XXXX, after losing income I decided to turn in my unit as I was no longer able to keep up instead of being evicted. Not only did XXXX accept my move out request and I agreed to be responsible for lease termination and month of XXXX rent that was not paid. At end of day on XX/XX/XXXX I fully vacated my unit and took pictures to support taking everything out my unit and left how I received the unit. There was additional fees added on and no real explanation, there was a charge particular for furniture removal which was false because I left unit clear. The company did provide a report that was date and time stamped showing that my unit was accessed without my consent or knowledge by maintenance staff for said pictures provided. I did provide UDR and GENESIS with this information as well alongside support photos to XXXX, GENESIS denied to accept said pictures and it was denied being reviewed due to me telling the collection rep that I do not have the ability to pay the balance in full at this very moment. I did ask for a payment arrangement in which I have emails from company directly offering a inhouse payment plan then the next week it was placed in collections. The door locks are electronic and should be time stamped and each and every entry, When asked to provide this information, I was again denied access and DEMANDED to pay balance in full before threating that if I do not pay he will have acct placed on my credit. They also do not have my legal name correctly but from the reviews I see this is there common practice for XXXX.
11/30/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92251	Web
Good Morning- I have left numerous of messages at the XXXX XXXX XXXX XXXX no return call back. Per XXXX central billing ONLY the actual Management office can fix this error. I originally made a payment on this account to avoid collections, when I received the email of confirmation I called immediately and advised this was not my XXXX XXXX. I also let them know I will not make the final payment until this is corrected from XXXX XXXX XXXX - to the correct XXXX XXXX XXXX - - - To be sure I am not paying the wrong acct. This is to avoid any issue later saying XXXX XXXX XXXX was never paid. A representative told me this would be corrected immediately and nothing further is needed from me. Then a few months later someone from Central Billing called and requested payment - again on XXXX XXXX XXXX I again explained this is not my XXXX and I would not make a payment until corrected. Now I am being sent to collections for this not being corrected and they are saying it can not be corrected unless Billing corrects it, then Billing is saying nothing can be corrected until the office Manager at XXXX XXXX XXXX. corrects it. I have been calling and no one ever answers the phone or returns my voicemails from the Management Office at XXXX. I have filed a complaint with the Better Business Bureau because I feel this is being unfairly reported on my CREDIT. I have done everything possible to get this paid but no one is accepting THEIR error. This is negligent and irresponsible of the XXXX XXXX and the XXXX XXXX XXXX. Someone please call me to correct this as soon as possible.
09/20/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85711	Web
This is in reference to the following debt appearing on my credit report : PRE-Account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AZ XXXX ORIGINAL CREDITOR : XXXX XXXX PLACED FOR COLLECTIONS ON : XX/XX/22 I asked for validation of this debt requesting all of these items : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for XXXX in case legal action becomes necessary. They only provided me with an application to rent completed by someone online. They have no copy of my identification, they only have fraudulently supplied and inaccurwte information. I also reported this to the FTC as ID theft and supplied them with a copy. Now they are asking me for NOTARY SIGNED POLICE REPORTS, Copies of leases, I was homeless during that time and have not way to provide those items. Please help! XXXX XXXX
12/09/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	FL 32312	Web	Servicemember
( Charges are invalid. Cleaning charge for carpet was added after completion of the lease. Pictures documents are available upon request. Inspection form contains documentation of stains at the time of move-in. ) After I moved out of my apartment which i was only there for 6 months ( student housing ). My roommate and I received a charge for XXXX dollars each regarding the move out inspection ( Which they set up to do after we turn in our keys and left the premises as per there company policy ). Me and my roommate address the original issue years ago, with-in days of us moving out. We supplied them with the original move inspection ( via email ) that showed that the carpet was already dirty and damaged. Then which they stated someone would look into the issue. So a couple day after not receiving an update we both went to the leasing office and the property manager stated that they made a mistake and they were going to take care of the issues. So me and my roommate both left it alone out of good faith of the managers word. Then recently this XXXX out of nowhere the debt collection agency ( XXXX ) communicated to me that i was sent to collections. At first thought it was a scam because I received no type of notification from the property and for this to happen years after without warning doesnt make sense. Then to find out Only me and my guarantor ( XXXX XXXX ) were sent to collect and not my roommate. So I reached out to both parties and was sent in a wild goose chase for the last month with no response or luck. Interest is also being added monthly.
07/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NV 89119	Web	Servicemember
Since XX/XX/XXXX I have been dealing with random things popping up on my credit report. I am a victim of identity theft. I was scammed back in XXXX I went through a realtor company to get an apartment. I was asked to send in my documents to get into the apartment. I sent all my info over and I did not get the apartment or I have not heard back from these individuals since XX/XX/XXXX. There are multiple companies on my credit report that when I look them up they show up as apartment buildings and I have not had my own apartment since XXXX back in Texas. During XXXX it was very hard for me to focus on my credit reports and scores because I was in XXXX XXXX XXXX XXXX XXXX. as of XX/XX/XXXX I have been trying to figure out how I have open accounts and debt collections to accounts that I have no idea about. I have been denied getting an apartment in my name because of this non sense. its been a hassle trying to prove that it was not me. I have contacted the credit bureaus over and over and have not gotten a response. I have disputed these collections and even the address that was on my profile because it was inaccurate. the address was removed from my report from the dispute, but the collection is still showing. This is extremely hard for me as a XXXX XXXX XXXX hard working tax paying individual. I would like to file this complaint today on XXXX, XXXX, and XXXX due to the lack of fully investigating claims. it would be best if we can get a full investigation and not some filtered computing system that should be rendered to the consumer.
03/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 629XX	Web
Timeline of Events : XX/XX/2021 : Resident sent letter to XXXX XXXX XXXX seeking extension to XX/XX/2021. XX/XX/2021 : Sent notice to XXXX XXXX XXXX property manager ( XXXX XXXX ) that extension no longer needed and would be vacating apartment on XX/XX/XXXX. This notice was acknowledged by property management. Received ledger from XXXX XXXX ( parent company ) and Move out statement from XXXX showing a balance owed of {$810.00} which was dated XX/XX/2021 NOTE both the ledger from XXXX and the Move-out statement from XXXX XXXX. Various Communication with XXXX, that finally ends with a Move-Out Statement from XXXX XXXX XXXX showing a ZERO Balance and an e-mail from property manager that says you are actually due a refund - XX/XX/2021 However XXXX XXXX ( parent company ) continues to say I owe the balance as the write-off was just at the property and not at the parent company level even though I have an e-mail from the property manager saying we were due a refund. Last communication with XXXX was in XX/XX/2021. I had assumed they finally accepted all the documentation I had provided and made their books ( ledgers ) match that of the property. However I received a call from Genesis today as, attempting to collect this fictitious debt. However the debt is question is not owed as evidenced from communications from the property itself. What further complicates this issue is the property has since been sold and all former property managers had quit or been fired by end of XX/XX/2021. I am seeking advice on how to move forward.
06/20/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CO 802XX	Web
I made several attempts to verify the amount owed to GENESIS CREDIT MANAGEMENT. According to my records I owed XXXX $ as the back rent was paid by the state of Colorado, and the Apartment complex signed an agreement to write off any and all late fees and legal fees. Requesting On XX/XX/2023 I sent a Debt Validation letter, and they responded with a move-out letter with a ) balance unsigned by me, and an expired lease. They did not answer any of the questions below : Was this Debt assigned to a Debt Collector or Purchased? - Assigned - Purchased Amount Paid if Debt was Purchased : $ XXXX Commission for debt collector if collection efforts are successful : REQUESTED INFORMATION Please attach copies of the following : Agreement with your client that grants ___________________ ( Collection Agency Name ) the authority to collect this alleged debt. Signed agreement Debtor has made with Debt Collector, or any other verifiable proof Debtor has a contractual obligation to pay Debt Collector. Any agreement that bears the signature of Debtor wherein agreed to pay Creditor. All statements while this account was open. Have any insurance claims been made by any creditor regarding this account? Have any judgments been obtained by any creditor regarding this account? Please provide the name and address of the bonding agent for ___________________ ( Name of Debt Collector ), in case legal action becomes necessary : I also sent a cease and desist and removal from my credit report as as they have no legal right to collect this debt
06/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30345	Web	Servicemember
I have reached out to This debt collection agency regarding a debt that is not mine, i asked then to verify the debt with simple information, they failed to provide the information i requested in the debt validation letter i requested for these items listed below ; Date of Original Charge or Delinquency : ______________________________________________________________________ Was this Debt assigned to a Debt Collector or Purchased? ______________________________________________________________________ Amount Paid if Debt was Purchased : ______________________________________________________________________ Commission for debt collector if collection efforts are successful : ______________________________________________________________________ REQUESTED INFORMATION Please attach copies of the following : Agreement with your client that grants Genesis Credit Management the authority to collect this alleged debt. Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. All statements while this account was open. Have any insurance claims been made by any creditor regarding this account? YES- NO Have any judgments been obtained by any creditor regarding this account? YES- NO Please provide the name and address of the bonding agent for Columbia debt recovery in case legal action becomes necessary : they failed to provide the information requested in 30 days.
02/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 076XX	Web
Landlord created an eviction proceeding in retaliation of complaints about face masks not being worn by building employees and staff after they summoned necessary interaction during the XXXX mask mandate period. Victim/tenant tried to pay rent in month that followed and landlord refused. In Court for the unit, the landlord attempted to make a fair use claim, but was ordered by the Judge to wait until the Court cleared the XXXX ( anti retaliation claim ) by the tenant. Instead of waiting for the Court to decide on the action and collect fair use through the Court, the unscrupulous landlord continued to harass, retaliate, constructively evict and then tried to make their own debt amount, including lawyer 's fees the court did not award, a claim on tenants ' credit reports via Genesis Credit Collection agency by way of an agent named XXXX XXXX. The agency called family members of tenants and described to them the amount and debt type owned disclosing details of a debt that didn't exist. They called non-stop several times a day over several weeks. This collection agency already had complaints against it and restarted under a new name. The original claimed debtor is XXXX XXXX XXXX, XXXX. They have made up a fictitious debt amount of {$23000.00} and are adding fictitious missed payment amounts each month. The holdover proceeding still pending is available in the XXXX housing court records on XXXX as " XXXX XXXX XXXX XXXX XXXX ''. My name is XXXX XXXX and the other person they are victimizing is XXXX XXXX.
12/02/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	CA 91739	Web
This company is trying to collect a debt that was already paid before going into collections. This was paid on XX/XX/XXXX. This company is claiming they received this debt collection sometime after XX/XX/XXXX. I was never sent a debt validation notice, yet any notice at all. This was then reported to credit bureau in XX/XX/XXXX. After seeing this collection on my report I filed a complaint on XXXX website. I was then finally sent debt validation but nowhere in this letter stated my right to dispute this debt as a consumer. This company has committed several violations. I have provided so many documents showing proof of everything and this company yet somehow believes I still owe them money even after verifying with the original company that I do not owe them. Attached is : - receipt of payment made on XX/XX/XXXX - bank statement showing deduction from my account. - move out statement - refund check paid to me from original company from what was left of my move in deposit. - XXXX validation notice screenshot of intire email with no right to dispute disclosure. - XXXX complaint of all my documents sent to genesis and asking for proof of debt validation that they are claiming they sent in XXXX. I hope that someone can actually help me and take the time to actually look at these attachments. Ive sent them to XXXX + credit reporting agency + XXXX and feel as though my disputes are just being ignored. Im hoping to resolve this issue before I will need to take legal action against this company. Thank you.
08/07/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	KS 665XX	Web	Servicemember
I was contacted by Genesis Credit Management by a woman whose name I dont care to remember. She supposedly ran the debt collection section for the company whose apartments I was living in. The first time we spoke she informed me of a past due balance. I informed her that the additional charge of early cancellation should be waived per their rental agreement because I gave them advance notice that I was leaving on military orders. I had turned in a letter with the appropriate verbiage as it was explained to me by office staff. The letter was turned in through the mail slot on the office door. I explained this to the woman who called me, and that I would speak with her after I have talked to military jag. She responded with Their not going to help you, they dont help with these things. I thanked her for her advice and told her I would still be talking to them. While at XXXX and XXXX School, I left my personal phone with my uncle, she called again and he answered and told her wrong number, she replied with oh, if this is how you want to do business, watch what I do. I was informed of the conversation and told my uncle to block her. A week later she reported the debt to the credit bureau. If this is the attitude of a person who threatens and lashes out at service members and discourages them from taking the proper legal means to protect our rights then she should not be working where she does. Having a bad attitude and then deciding to report on someones credit is egregious and she needs a reality check.
08/31/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	OR XXXXX	Web
I provided all utility bills, and rental agreement where I was residing at the time in question. XXXX also, have pertinent information that someone received services in my name by hacking my account online. This debt from Columbia Credit Recovery is not accurate and must be deleted. This company has never spoken to me directly nor have they provided me with any documentation proving this is my account. This is not my account. Please delete immediately. I never lived in this unit. I was living at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, and the month in question I was XXXX and in the hospital and never resided at XXXX XXXX. I provided all my evidence to XXXX, XXXX, and XXXX, and they place false information on my report. There are other accounts that has been deleted from a bureau and all three bureaus don't comply accordingly. If deleted from one it should be keyed from all, such as XXXX and XXXX XXXX has been deleted from one bureau, but the others dont comply. I have evidence of someone getting credit in my name and the bureaus are aware of the name and due to the continued attempts they are aware of my information being compromised and at this time all negative reporting should be deleted and ceased from reporting any further as all my information has been compromised, as the tool has proven it and reported it on the credit bureau. None of my addresses on all 3 bureaus never reflects XXXX XXXX as any legal address belonging to me. PLEASE DELETE this account from my bureau today.
04/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75240	Web
XXXX failed to comply with 15 USC 1681s-2 ( b ). XXXX is civilly liable under 15 USC 1681 ( n ) ( i ) A dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher. XXXX failed to conduct a reasonable procedure by their own industry standard of XXXX XXXX. XXXX failed the XXXX XXXX standard requirement to report the full XXXX a ECOA requirement code -37 which is a violation of code. ECOA requires the date of first delinquency to report the month/date/year, not just the month and year as being reported. XXXX failed to report the account type as credit card code 18. The account type being reported as charge off/collection which is not an account type. XXXX failed to report consecutive 24 months of payment history. Failing to report accurately presents willful noncompliance. In conclusion, XXXX has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits. Therefore under 15 USC 1681n XXXX is liable for actual damages, {$1000.00} violation and punitive damages.
11/09/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33714	Web	Older American
Received a letter from my landlord dated XX/XX/2022 stating that in addition to the {$99.00} security deposit I had with them that I owe an additional {$200.00}. It said there was an enclosed copy of my resident move out statement showing itemized charges, however there was no attachment. I called the office at XXXX XXXX and they said they would have someone contact me. Later someone I believe from corporate, called and told me it was for smoking. I asked to have the proper letter sent to me showing the charges so that I could investigate and see if they were legitimate and or to dispute the charge. They never sent me a letter. Instead they turned it over to Genesis collection agency. Genesis called me and I asked them to send a copy of the charges as I wanted to dispute them. They said they could not mail me anything. I never heard from them again. They never sent a letter within the 5-day period required. Instead they just put it in collections which appeared on my credit report and lowered my credit score by XXXX XXXX I sent them a letter. I sent a letter to XXXX XXXX apartments and I notified all three credit reporting agencies. I am also going to notify the XXXX XXXX XXXX XXXX since they did not send me proper notification within the 15-day. So legally they owe me back my {$99.00} security deposit. I am also notifying the XXXX XXXX XXXX. Since I have been unable to get a written statement of the charges I will hope that you are able to get that information for me. Thank you
09/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 243XX	Web	Servicemember
On XX/XX/2022 I reached an agreement with Columbia Debt Recovery DBA : Genesis. This agreement stated that following payment of {$11000.00}, which was made at that time, I would be absolved of responsibility for that debt in addition to the information being deleted from my credit reports. The deletion of this information was a predominant reason for remitting payment. The letter I received states it may take 3-4 weeks for the information to be updated, as of this writing it has been approximately 6 weeks and the information is still displaying on XXXX and XXXX credit reports with an amount that hasn't been updated since XXXX of this year. This failure to delete this information has caused undue hardship. I attempted to remedy this by contacting the number listed on the agreement and I was greeted by a particularly adversarial representative who first claimed the agreement didn't state a 3-4 week timeline. When I stated it did and she saw that it did, no apology was made and she abruptly asserted that they submitted information to the credit bureaus approximately a month prior. I do not believe this to be accurate as the information is both still showing on my credit report and is also grossly inaccurate. As the company did not resolve this issue at that time, I proceeded to submit disputes with the credit bureaus, unfortunately the dispute process takes an additional month prolonging the hardship caused by the companies failure to delete this information promptly.
01/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	AZ 85022	Web
Apartment complex XXXX at XXXX XXXX in XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, where I happened to reside temporarily. I summited an application to become roommates with the person already living there XXXX XXXX back in XX/XX/XXXX. Application was then approved. Fast forward to a few month 's later XX/XX/XXXX. I managed to get an apartment for myself in which I was needing rental history. Which then I went over to the leasing office at XXXX where I happen to find out there was never a new lease made with my name on it showing proof of me being a resident there. That brought upon many issues as the apartment complex I was wanting to move into needed that history before approving my application. The manager of the leasing office at XXXX was made aware by another employee that my name or information was not a part of the current lease they had in hand. Therefore, the manager had to email the new complex and let them know of the office error for them to approve me as it had nothing to do with me not completing what was needing on my end. The new apartment complex at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, then approved me. Later on XX/XX/XXXX I receive an alert that an account on my credit has been open owing {$260.00} from Genesis Credit Management that XXXX is now billing me for rugs I am not responsible for as I had no bedroom in that apartment. Now I have this debt lingering on my credit effecting my score and my future home purchasing. SOMEONE PLEASE HELP ME.
05/03/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WA 98501	Web
I lived in XXXX XXXX XXXX XXXX XXXX XXXX, wa XXXX from XX/XX/XXXX to XX/XX/XXXX. at the time that I had to move out I owe the landlord absolutely nothing I asked him to help me move my furniture into my storage to the fact that I was a single mom and couldn't lift them myself and he was the only one that I knew with the truck he refused assistance then when I moved out he dumped the furniture and charged me {$2400.00} for dumping fees and 10 hours of cleaning fees as a self-employed business owner of a house cleaning business I know for a fact that I left that apartment which was under 500 square feet one bedroom intact with normal wear and tear and very clean stove fridge and oven he has outrageously charged me as well as other tenants that he has forced to move out I was asked to leave and didn't want to risk having an eviction on my record so I went ahead and left then he charged me {$2400.00} in XXXX which wasn't even put on my credit until XXXX and now I'm being charged {$3200.00} which is just like an eviction in the eyes of other apartments owners so it is XXXX me in the end being a single mom with a child and XXXX XXXX XXXX student I am I unable to acquire stable housing and can not be approved for an apartment I've been homeless since the day I was asked to leave and he refused to renew my lease after four and a half years of residency stability and safety for my child from ages XXXX XXXX old to XXXX and a XXXX years old she knew nothing else as home.
03/17/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WA XXXXX	Web
I agreed to a settlement offer over the phone with a female Rep at Genisis Credit Management. The payment arrangement was set at {$50.00} payments. The Rep said that the settlement offer will follow in the mail, after I make the first payment, with the details of the {$50.00} payment arrangements, the final settlement offer of amount of {$2500.00}. The letter was never received by me. They would only provide documentation of the payments I made, never a settlement letter. I followed up every payment made by requesting the letter. Later, I was told by a new Rep, that their records do not show a settlement offer was in their system. Late last year, I was finally able to speak with a manager, XXXX, who reviewed the account notes and informed me that the Rep NEVER setup the settlement and he is not able to honor a settlement. I asked him why would I pay {$2000.00}, without a settlement offer to a collection agency. The manager, was not helpful and unwilling to offer any type of assistance in the matter, he demanded balance in full. I informed him that they have misrepresented and LIED, in the efforts to obtain and secure payments. I have made several attempts, multiple conversations with Reps, who identified themselves as Managers and then disconnected phone calls. However, I would later receive a phone call, I requested each Rep to read previous notes. Ironically, the previous Rep did not make specific notes, just that I was hostile in communications.
12/04/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	OH 45458	Web	Servicemember
I am an XXXX XXXX XXXX XXXX. I signed a lease with XXXX XXXX, beginning in XX/XX/XXXX with a rent of ~ $ XXXX. The agreement included a rent concession of XXXX months rent that was applied to the month of XXXX. In XX/XX/XXXX, I delivered formal notice to terminate the lease, effective XXXX XX/XX/XXXX, after receipt of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) orders. Months after vacating the premises, I received a call from XXXX XXXXXXXX XXXX, indicating that I had an additional charge requiring repayment of rental concessions due to early move out. I informed the individual that I vacated the residence due to mandatory PCS orders, and that a requirement to repay rent concessions would be a violation of the Servicemembers Civil Relief Act. I also learned that my {$500.00} security deposit was retained and applied to this erroneous balance. He apologized profusely and said he would take care of everything immediately, in addition to ensuring my security deposit was returned promptly. In XX/XX/XXXX, I received notice that an account with a matching balance was being sent to collections under Columbia Debt Recovery and Genesis Credit Management with original creditor XXXX XXXX XXXXn the amount of {$1700.00}. AFter dispute with XXXX, XXXX, and XXXX, these improper collection accounts were not removed. This violation of federal law has caused undue burden, hardship, stress, significant damage to my credit, in addition to exponential financial harm.
12/05/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91350	Web
I am a victim of identity theft. I was notified on XX/XX/XXXX that my credit report had a derogatory mark. Upon calling the apartment complex ( XXXX XXXX XXXX ) in Texas, I was notified to call the debt collector ( COLUMBIA DEBT RECOVERY LLC DBA GENESIS ). Upon calling them, I requested the dates, location, and how they were approved. I was told the dates were XX/XX/XXXX of XXXX through XX/XX/XXXX of XXXX and that it went to collections in XX/XX/XXXX of XXXX. This person was approved for the apartment based off of bank statements through XXXX XXXX XXXXXXXX. However, I do not have a XXXX XXXX XXXXXXXX account. I was then notified that they owe {$5000.00} for not paying the apartment address of XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, Texas, XXXX. I have never lived in Texas, nor have I allowed or co-signed for anyone to live in Texas under my name. They used my social security number, however, they showed invalid bank statements with my name on them to be approved for the apartment. I have filed a police report and have already created a dispute with XXXX. The police report number is : XXXX. I can also provide dates of me living in California from my bank statements, rental agreement from the apartment I was living in, my drivers license, and my passport. I have attached proof of where I was living during these times in california, as well as the police report, and the CDR Correspondence of what the debt collectors are saying I owe.
02/04/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32244	Web
Please.Read the attached. This is a letter that explains everything it was sent to XXXX XXXX and COLUMBIA DEBT RECOVERY. During this dispute over {$1000.00} has been eliminated due to being unproven. A payment was made to XXXX XXXX in XX/XX/XXXX about XXXXdays after i moved out XX/XX/XXXX. The apartments are saying they didnt get the payment but i showed proof. The collections agency and the apartments both refuse to accept my proof of payment even though it shows the amount paid {$1900.00}, date XX/XX/XXXX, who it was sent to XXXX Receiver Code XXXX, how much was old after payment was made {$0.00}, it even shows my name XXXX. The apartments requested I go back to XXXX and request another receipt from XX/XX/XXXX. They say it's unclear which is false, they are striving to not continue to fix their inaccurate information and take money from me. I went to XXXX with the information you all provided me, the cashier put in XXXX 's reviever code, located the company account and I paid CASH to them and got the attached receipt. I am not responsible for the account/relationship between XXXX and XXXX XXXX. I asked the collections company to NOT put debt on my credit while in dispute as of XX/XX/XXXX they did anyway. XXXX told me they wouldn't send the acct to collections and the collections agency told me they wouldn't report it, once we resolved the dispute I could set up a payment plan which will keep it from my credit. Both Lied!
05/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 28217	Web
In XXXX I paid XXXX XXXX for money due at the end of my lease and fees associated with cleaning up trash and boxes left in the apartment upon my departure. However, I took out the amount of {$350.00} which was incorrectly applied to my account for maintenance not addressed by the property manager. I provided documentation to XXXX XXXX and XXXX directly that this was captured on my move-in checklist and that follow up maintenance requests were submitted regarding the refrigerator needing repair and carpet damage ( which is what they were attempted to charge me for ). Despite multiple communications and mailed documentation, XXXX XXXX and XXXX neglected to correct the error and credit my account for the {$350.00}. I have contacted the property management at XXXX XXXX and many in leadership at XXXX. XXXX would not return any of my communications. Recently they reported me to a credit agency. In XX/XX/XXXX I immediately notified the collection agency, Columbia Debt Recovery, that I was in dispute of the 'debt ' and notified them that XXXX was aware of my dispute as well. Columbia Debt Recovery continues to contact me after I notified them that I was in dispute of the 'debt '. In XXXX of XXXX I also finally received a single response from XXXX leadership to my many many communications since XXXX -- this was to inform me they could not address my concerns because my account was reported to a debt collector.
12/20/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77064	Web
On XX/XX/2022 I went open to reviewing an apartment that I liked. As I walked in I felt something was off, the energy and customer service was a little rude. I felt uncomfortable and did not know how this tour would play out. So I took the tour and look around the apartment complex. I decided to give it some thought and told the agent I will be in touch if I decide to move forward. Well a week past by and I put in a application in, a week goes by, I hear nothing. No phone call, no email on my status of where I am at in the application process. So I decided to call and figure out whats going on. Well as soon as I called they informed me I was approved. Which was fishy, and odd from the first place. I had to call multiple times, and tried to get more I formation since the beginning. I felt discriminated and unwelcomed. So I spoke to the XXXX about the situation, nor did she help me, I decided to take my business somewhere else. I never got the keys to the apartment or anything. I was charged for a collection fee of an application fee and admin fee which I paid up front after the application process went thru- I had to call and find out if I was approved or not- I hereby the collection is false Information and provin to the fair cares act, they went behind my will to collect a debt that is misleading, false information, and fraud. I need to file a complaint for this action to take this off my credit report.
12/05/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	CO 80516	Web
A derogatory mark showed up on my credit report on XX/XX/XXXX via Genesis XXXX from a rental property named XXXX at XXXX located in XXXX XXXX. I immediately submitted fraud claims through XXXX, XXXX, XXXX XXXX, and contacted Genesis XXXX to get more information. I was told by a representative of Genesis that they emailed the fraud claim paperwork ( not paperwork, it is just text in the body of an email ) to an email that was not owned or operated by me. I was asked to provide my social security number to them over the phone, but I was not comfortable doing so, as this debt is fraudulent and they did not appropriately verify my identity before discussing the claim with me. I am waiting to hear back from them regarding documentation required to reverse these collections and learn more about what information was provided by the fraudulent renter. The debt collection is in the amount of XXXX and was sent to collections on XX/XX/XXXX. I have not been to XXXX XXXX in several years, and have never lived or rented there. Additionally, the collections account is under my maiden name, XXXX XXXX and attached to my parent 's address, not mine. See attached downloaded email from the collections agency. I only received this on XX/XX/XXXX, without any prior written, verbal, or email communications from them. My credit is and has been locked through XXXX for a long time, and I only unlock it when I need to.
07/18/2023	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	AZ 85296	Web
This is my 3rd complaint on Columbia Debt Recovery with filing complaints of false practices and also adding interest to a debt they have not fully verified, CFPB this company knows that if they respond with any information you will close the complaint and this is not correct and Lawful. This company is not able tp operate in my state yet alone require for me to pay for debt that they are not able to prove. Columbia Debt Recovery is not accredited as a business according to the XXXX and their licensing to operate is not correct along with being expired. They are using different names to operate and business using business that no longer have association with them to harassing 's me asking for a debt to be paid that they have not fully verified. I am also going to contact my Attorney general Office in Arizona of their false business practices. They have responded to me with yelling and raising their voice which I will attach proof of everything I am mentioning. I asked them multiple time to remove this debt and stop adding interest to something they can not verify. This is a 3rd party company that bought the debt and did not disclose how much they paid for it along with if they have the legal rights to collect on this debt. I will make this public and will like for the CFPB to do a full investigation on the false practices. I have my rights and take my credit profile serious
05/05/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WA 98387	Web
I was called by Genesis Credit Management/Columbia Debt Recovery XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX phone : XXXX ) at XXXX on XX/XX/XXXX regarding a debt that I never received noticed of for {$200.00} ( but on the phone the representative said it was {$210.00} ) that was sent to the collector by XXXX XXXX XXXX for XXXX` damages ''. I asked what I could do, because I was never notified by mail by either the collector or the apartment complex itself ( I have not lived in that apartment for 4 years and received my whole deposit back after moving out ). I received an email on XX/XX/XXXX from the collector, however it did not state what the company was and looked like a suspicious link. I was not told that I could dispute this action or ask for proof, despite me asking the representative multiple times what I can do in this situation. I also told the representative, XXXX ( direct phone XXXX ), that I won't be able to pay until I get paid which is XXXX XX/XX/XXXX, and she said " you're lucky I even am doing this for you '' " you should know better '' and " you will have to pay now or I will be send this to the credit bureau and that won't be good for you. '' I was also told that no, they could not call me back, and no they can not send me an email or a letter regarding this debt. I paid the {$210.00}, so I'm also not sure if I was overcharged.
12/12/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	IL 600XX	Web
On XX/XX/XXXX, I received numerous alerts from XXXX XXXX regarding a debit to collect account on all three credit reporting agencies. However, I never applied or knew anything about this account in XXXX of XXXX. The debit collection company is Genesis Credit Management dba Columbia Debt Recovery. They have two account numbers with the same amount owed ( {$220.00} ) by this person who used my ID to apply at XXXX XXXX XXXX XXXXXXXX XXXX XXXX in XXXX, NJ in XXXX. I have proof that I was already in a committed lease in Ohio from XXXX to XXXX and IL from XXXX to the present during the same time this crime was committed in XXXX. For the record, I have never applied for an apartment at this organization ever in my life. The owed charges from XXXX XXXX were sent to their management company ( XXXX ), and then to Genesis Credit Management / Columbia Debt Recovery. I have called XXXX plus Genesis Credit Management / Columbia Debt Recovery to resolve this issue regarding the incorrect information. Both organizations told me to file a police report, take a photocopy of my ID with a notary present and stamped, and file a dispute with FTC. Everything has been done. The police report will be sent to me within 5 -7 business days. In the meantime, the officer said that you can directly call them to verify before the report is completed. All contact information will be on scanned documents.
03/22/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 27617	Web
This is the collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : XXXX XXXX XXXX TO XXXX PST Email : XXXX Sent a letter requesting to pay a debt without further information. We asked for more information and said we believe this to be wrong and gave the reasons why. They refuse to give us more information and keep acting like this needs to be paid now they are saying its urgent. We thought this was scam because of the unprofessional but it is legit. They have called me asking to pay and we repeatedly say we need to see proof they have no proof. They are being very short and unprofessional not saying anything but the amount we owe. Please see below what we have said to them : " Dear Genesis, Your reply is unresponsive to my email. I accept your reply as an admission that Genesis failed to verify the charges and Genesis does not possess any documents supporting the alleged charges other than the lease agreement. Please note that the lease agreement does not verify or support the charges. Despite our repeated request for verification, we have not received verification for the unsubstantiated alleged charges you seek to collect. Regards, XXXX XXXX, XXXX. '' Right after this they asked to pay. They are not legitimate or not doing this properly they should be flagged or audited for poorly doing business according to the law and our rights.
08/10/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77036	Web
Genesis Credit Management has violated the FCRA by harassing me they have sent multiple emails to my personal email ( XXXX ) XXXX times. 15 USC 1692d states A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. They have sent multiple emails contacted me by phone numbers ( XXXX ) multiple times. They have also violated my rights according to 18 USC 894 which states Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means to collect or attempt to collect any extension of credit, or to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. In exchange for me not paying the debt they are claiming that I owe. They are reporting to the Credit reporting agencies a negative collection account which is damaging my reputation. According to US Code 1681b my written consent is needed before furnishing my information to any credit reporting agency. I never gave this company permission to release any of my information to any non-affiliated third party. Under the fcra I have the right to privacy and a fair and equitable credit report this collection they have added to my accounts is misleading and causing multiple restraints to my life.
08/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98023	Web
A debt was reported on my credit report that was released on XXXX XXXX. I attempted to dispute the debt with the property management company who managed the home I lived in. They sent me inaccurate statements and invoices and I was in the process of disputing the validity of the debt. The owner of the company XXXX XXXX sent me an email stating that I was not willing to pay or negotiate ( I was attempting to validate the debt ) and he stated and, in his email, " my company no longer manages this property. We will inform the owner that you are not willing to pay or offer a settlement. They can escalate to collections if they choose. Any future correspondence must be directed to owners of the home '' I am leaving out the names for privacy. I did not have the owner 's information because the property was being managed by XXXX XXXX. No further attempt to validate the debt occurred by either XXXX XXXX or the owners of the property. Five years later it appears as a collection on my credit report. I could not continue to pursue validation from XXXX XXXX due to their request and statement of not owning the debt. I had no contact with the owners who XXXX XXXX states now owns the debt. I do not owe XXXX XXXX, now the XXXX XXXX any money because as they stated they no longer represent the property, or the owners and any further collection must come from them.
03/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92620	Web
I am flabbergasted how a debt collection company dares to report a ridiculous amount to my credit reporting agency without having any contract nor any document that could validate such debt. I had no debt to such creditor. The debt collection agency has reported this false collection amount fraudulently without following their legal steps. The debt collection agency is just trying to bother me by reporting a false claim instead of contacting and presenting documents to validate the debt. Furthermore, the collection agency is being unresponsive and abusing the credit reporting agency for their own wrong doing. I have no contract and no such proven debt. Due to lack of any validation of this debt the collection agency needs to be penalized not following Debt Collection ACT rules and regulations. On another note the amount of {$64.00} is such a ridiculous amount that is another proof to my claim that the reporting agency is being abusive. I need this falsely reported amount removed from my credit reporting and I definitely want federal support against such abusive unlawful practices conducted just to bully customer instead of conveying through competent legal system. my contact number is XXXX should you need any further verification. The name of the collection agency is " COLUMBIA DEBT RECOVERY '' and their contact number is : ( XXXX ) XXXX
10/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32207	Web
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : XXXXXXXX MONDAY-FRIDAY XXXX TO XXXX PST XX/XX/XXXXXXXX XXXX-Account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Original Balance : {$86.00} Current Principal : {$86.00} Interest Due : {$0.00} Total Due : {$86.00} ORIGINAL CREDITOR : XXXX XXXX PLACED FOR COLLECTIONS ON : XX/XX/XXXX XXXX XXXX XXXX Genesis understands you claim the alleged debt is the result of fraudulent activity. In order for us to investigate your claim, please provide the following : Proof of where you resided during the alleged fraudulent lease, such as a copy of your lease/property tax statement/mortgage statement/utility statement. You may be asked to provide more as needed. If these items are in anothers name than provide with the item a notarized affidavit of residence where that person affirms that you lived with them at that time. A clear and legible copy of your driver 's license. ( front and back ) A filed police report with report number documenting the crime. That references the unit in your name. A copy of the FTC complaint notarized on the signature page with a physical signature witnessed by notary. ( www.ftc.gov ) Once all documents are received, reviewed and if verified as valid, the account will be closed, and all data furnished to credit bureaus will be deleted.
04/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 80909	Web
I've highlighted the inconsistencies and inaccuracies in the account information provided from the three credit bureaus : XXXX, XXXX, and XXXX. Date Opened : There is a discrepancy in the Date Opened across the three bureaus. XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Last Reported : There is a discrepancy in the Last Reported date between XXXX and the other two bureaus. XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Date Last Active : There is a discrepancy in the Date Last Active across the three bureaus. XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX These inaccuracies and inconsistencies may violate the Fair Credit Reporting Act ( FCRA ) provisions. In particular, they violate Section 611 ( a ) of the FCRA, which states that a consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is accurate when a consumer disputes the accuracy of information in their credit report. Given that the collection agency has verified the inaccurate information, the credit bureaus are now in violation of Section 623 ( b ) of the FCRA, which requires a furnisher of information ( in this case, the collection agency ) to conduct an investigation upon receiving notice of a dispute from a consumer reporting agency and report the results back to the consumer reporting agency.
03/02/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85251	Web
I was renting a one-bedroom apartment from the XXXX at XXXX and XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX. As I did not plan to resign from my apartment I notified the office of my intent to vacate after my lease. I filled out the required forms in XX/XX/XXXX. This was well in advance of the 60-day notice they require. I officially moved out on XX/XX/XXXX after paying every month on time. Roughly two months after moving out XXXX got in contact with me stating I owe them for XX/XX/XXXX - XX/XX/XXXX. This is completely inaccurate as you can see from the attached lease. The office is very unorganized and they had a significant turnover in management while I was there the notice forms submitted must have been lost or not communicated to the parent company XXXX. Recently the Collection agency " COLUMBIA DEBT RECOVERY LLC DBA GENESIS '' has been in contact with me regarding the balance that I owe which is {$2700.00}. This inaccurate debt collection has recently penalized my credit score bringing it down from XXXX to XXXX. I have attempted to work with Genesis on resolving this issue but they are reluctant to agree to a compromise. This owed amount is inaccurate and I am reporting it as it is damaging my credit report. I am reporting this to help resolve the issue on my end and report this corporate fraud taking place within the organization.
10/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32207	Web
COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : XXXX MONDAY-FRIDAY XXXX TO XXXX PST XX/XX/XXXX XXXX-Account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Original Balance : {$86.00} Current Principal : {$86.00} Interest Due : {$0.00} Total Due : {$86.00} ORIGINAL CREDITOR : XXXX XXXX PLACED FOR COLLECTIONS ON : XX/XX/XXXX XXXX XXXX XXXX Genesis understands you claim the alleged debt is the result of fraudulent activity. In order for us to investigate your claim, please provide the following : Proof of where you resided during the alleged fraudulent lease, such as a copy of your lease/property tax statement/mortgage statement/utility statement. You may be asked to provide more as needed. If these items are in anothers name than provide with the item a notarized affidavit of residence where that person affirms that you lived with them at that time. A clear and legible copy of your driver 's license. ( front and back ) A filed police report with report number documenting the crime. That references the unit in your name. A copy of the FTC complaint notarized on the signature page with a physical signature witnessed by notary. ( www.ftc.gov ) Once all documents are received, reviewed and if verified as valid, the account will be closed, and all data furnished to credit bureaus will be deleted.
05/12/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 156XX	Web
In XXXX of 2021, my dad, brother and I moved out of a rental property, managed by XXXX XXXX XXXX. Upon leaving, we received charges of over {$3000.00} and they kept our {$1700.00} security deposit, while billing us for the rest. While occupying the house, we had read how criminal this company treats its tenants so we knew to prepare for this. We cleaned, painted, had the carpets professionally cleaned, and did everything the lease asked us to do. While XXXX stressed that we were able to dispute the charges, they never responded to any of our SEVERAL email attempts or voice mails. This was similar to how they treated us during our lease; wed submit receipts for work done on the house and they didnt reimburse or credit anything. The water, sewer and trash utilities were all paid, and XXXX has not provided any statements or proof otherwise. These utilities were controlled by the companys concierge service so they should have access to our statements. As of XXXX, Genesis Credit Management has been contacting all 3 of us and weeks ago I talked to a gentleman named XXXX. He insisted that Genesis would be able to dispute the charges on our behalf and asked me to email him everything he needed, including receipts. I have reached out since that initial email and have also had no contact from Genesis at this point and as I said, its been weeks.
12/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TN 37072	Web	Servicemember
I signed a lease in XXXX of XXXX with XXXX and the company XXXX. When I moved in we had communicated that we were looking for a house and was only going to need a 13 month lease. We paid rent every month on time. We had referred several people to the property and were told we would be receiving a {$1000.00} per signed lease after 3 months of them living there. We signed XXXX people. We filled out a XXXX. We have proof. We were asked in XXXX if we had plan to renew and we wrote on a paper and turned in and communicated we would not be renewing. The property got bought by XXXX partners. In XXXX, we were closing on a home. We went down to ask if we could find someone to take over our lease a little sooner and not have to pay the remainder month. They said they had no notice of us leaving with the new company when lease was over and that themselves needed it in writing. I wrote a letter on XX/XX/XXXX to state we would be leaving when lease was up and not renewing. We paid in full throughout lease and returned keys on XX/XX/XXXX. Our lease was up on the XX/XX/XXXX. We paid through the lease. They are now charging us XXXX. We never received the checks for the referral fees we were promised which was XXXX. We should not owe them XXXX. I thoroughly dispute this. I am also asking what legal action we can take regarding this company.
08/15/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60660	Web
XXXX from this company has contacted us numerous times and is on the edge of harassment. She stated we owed for move out fees from XXXX, but I provided all evidence that we already paid. I provided 2 invoices, one for a deep clean and one for paint and patching of the walls, which is what was on the invoice from the apartment building. In XXXX of XXXX, we disputed this debt after she said on the phone, I bet youll call me back after you check your credit report and hung up on me when I was trying to gather more info. I checked my credit report and there was a negative mark. I followed up with her with all supporting documentation that I had the apartment deep cleaned and painted. She called me back today and was very threatening, saying if I dont pay right now today, she will ruin my credit and report me as failure to pay. I will not pay for something I do not owe. That is not right. Additionally, the apartment complex we moved out of sent us a check for our security deposit, stating that all debts were resolved when we moved out. If we owed more money, they wouldnt have given back our security deposit. I want this disputed again and XXXX said that was not an option. She also said she will continue to report and suggested double reporting for the same debt. This is in violation of rules established by the FDCPA.
01/21/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 07302	Web
There is a debt of {$200.00} on my credit report recently which is not my legal responsibility to pay. I will go over the whole story below. I was in a lease agreement with an apartment complex ; XXXX XXXX XXXX, they charged me {$200.00} for a security deposit which in the lease, say that " After you move out, well return your security deposit, less lawful deductions. ". This is all in the lease which I also attached. I never receive the deposit back, in fact I never receive any answer or clarification to any of my questions after I move out. So naturally I assume the deposit is to be included in the move out bill. After the move out process, I was sent a bill of {$1000.00} including the breakdown of each item. This does not include the security deposit mentioned in the lease, so I tried contacting them so many times, but no one answer my questions. Eventually, I decided to pay the amount {$1000.00} - {$200.00} = {$820.00} and basically told them that's all I owed them. Still, no one answer me. Time passes, and now there is a {$200.00} debt shows on my credit report. It seems they reported it to debt collector as debt even though I receive no clarification whatsoever from renew parc shore and I never receive any written document whatsoever about the bill before it hit my credit report. This is unacceptable.
12/01/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	MI 49316	Web
XX/XX/XXXX - XX/XX/XXXX : Signed Lease with XXXX XXXX ( property owner Dart Properties ). XXXX required 30 day notice if moving out. No fee to end lease prior to XX/XX/XXXX. Lived at this property since XXXX. After XXXX year was never a fee to break lease. XXXX XXXX : XXXX XXXX 's management was taken over by XXXX. I believe XXXX XXXX continued to own the property though. XX/XX/XXXX : Received early bird renewal offer letter from XXXX. Required a commitment that will be signing new lease, had to respond by XXXX XXXX to get the " early bird '' base rent ( my lease was not ending until XXXX ). The changes vs prior lease : XXXX. Base rent increase XXXX. Stacking of new charges previously paid by XXXX XXXX XXXX. 60 day notice period when moving out. The letter specifically states " all the other terms and conditions of your prior lease contract will continue unchanged '' XX/XX/XXXX : Accepted renewal from XXXX / XXXX XXXX XX/XX/XXXX : XXXX XXXX signed and began with XXXX XXXX XXXX XXXX XX/XX/XXXX : Gave 60 day notice that I was moving out XX/XX/XXXX : Moved out of XXXX XXXX. XXXX said I owed a fee for breaking lease. XX/XX/XXXX : I responded to XXXX that I was disputing the fee XX/XX/XXXX : Received initial notice from debt collector for the fee. XX/XX/XXXX : Disputing debt and filing complaint with CFPB
12/17/2020	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WA 99354	Web
Moved out of apartment with appropriate notice, after walk through in which property manager stated everything looked great, received a notice saying they would not return my deposit along with an amount of what I owed. I objected and was provided with an estimate of charges for carpet replacement. According to Washington State Tenant Laws/Rights, Goodeill v. Madison Real Estate, 191 Wash.App. 88 ( 2015 ), Landlords can not withhold a deposit based on an estimate and the landlord must return the deposit within 21 days or the tenant is entitled to 2.5 times the amount of the deposit. Furthermore, management of XXXX XXXX acknowledged that they had miscalculated the debt in their own response but told me it was in best interest to just pay this amount and if not, they threatened with proceeding to collect even more money from me ( Please see page 12 of attachment ). Even the amount they acknowledged was miscalculated was still calculated incorrectly according to Washington State Tenant Laws. Now this amount is being reported fraudulently and adversely affecting my credit score. I have attempted to dispute the validity of the debt with both XXXX XXXX and Genesis Credit Management. Even after asking the credit collection agency to stop their collections attempts, they still proceed to call me on a weekly basis.
03/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77042	Web
On XX/XX/XXXX I was alerted that a frivolous collection agency GENESIS CREDIT MANAGEMENT & COLUMBIA DEBT RECOVERY placed an account for collection on all credit bureaus for the amount of {$170.00}. I immediately notified the agency that I do not lawfully owe this due and requested all documentation stating that I owe the collection agency. No contract nor legal obligation, contract, or agreement has been signed nor documented. The agency failed to provide sufficient information to validate the debt yet continued to harass and report a negative status and balance to all credit bureaus. Please note I wrote the creditor again on XX/XX/XXXX ( find documentation attached ) to request not verification but true validation of this debt and any contracts signed and or any legal statute that the collection agency can collect legally on this debt. On XX/XX/XXXX GENESIS CREDIT MANAGEMENT & COLUMBIA DEBT RECOVERY wrote and informed me they have investigated and responded yet I have not been provided any legal documents stating that I owe the company. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. XXXX XXXX needs to be held accountable for its unlawful actions.
03/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77042	Web
On XX/XX/XXXX I was alerted that a frivolous collection agency GENESIS CREDIT MANAGEMENT & COLUMBIA DEBT RECOVERY placed an account for collection on all credit bureaus for the amount of {$170.00}. I immediately notified the agency that I do not lawfully owe this due and requested all documentation stating that I owe the collection agency. No contract nor legal obligation, contract, or agreement has been signed nor documented. The agency failed to provide sufficient information to validate the debt yet continued to harass and report a negative status and balance to all credit bureaus. Please note I wrote the creditor again on XX/XX/XXXX ( find documentation attached ) to request not verification but true validation of this debt and any contracts signed and or any legal statute that the collection agency can collect legally on this debt. On XX/XX/XXXX GENESIS CREDIT MANAGEMENT & COLUMBIA DEBT RECOVERY wrote and informed me they have investigated and responded yet I have not been provided any legal documents stating that I owe the company. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. XXXX XXXX needs to be held accountable for its unlawful actions.
10/20/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	CA 90746	Web	Servicemember
I am in the XXXX and was a tenant at XXXX XXXX apartments in XXXX, FL from XXXX. XXXX of XXXX I was notified of a short notice XXXX XXXX in support of XXXX XXXX in the XXXX XXXX. I provided a letter from my XXXX XXXXXXXX to the property management company informing them that I was going XXXX and needed to break my lease. The move out date I selected was XXXX. I moved out and cleared my residence with no issues on that day. Two weeks ago I received a debt collection on my credit report for just about $ XXXX. I contacted the management company via telephone and informed them that they needed to fix it immediately. The next day the debt collection reduced from $ XXXX down to roughly {$580.00}. I have since called the several numbers at the property management parent company at least 15 times and HAVE NOT been able to reach an actual person to resolve this issue. The price breakdown that I received from the debt collector showed that the {$580.00} is for rent from XXXX through XXXX. This is CLEARLY after i moved out. On XXXX XXXX I sent a copy of the XXXX XXXX that covers rent for military members to the debt collector. I have not received a reply. Last week i also sent an email request to the debt collector asking for a copy of the lease agreement. I have not received a reply to that email either.
10/06/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	MO 630XX	Web
On XX/XX/23, Columbia Debt Recovery LLC dba Genesis sent myself and former housemate a letter and email stating a supposed debt of ours had gone into collections and they were contacting us in an attempt to collect on this debt. We responded stating that no debt was owed by us. The property management company of an apartment we lived in over 2 years ago is supposedly trying to get us to pay for carpet replacement on an apartment we lived in for one year. We moved out, settled all of our move out paperwork, and even retrieved our mail from the property manager for a month after moving out. When we moved out, they carpet was in perfect condition and the property company never said a word to us about anything. Now, 2 years later, we are presented with a bill for carpet replacement. We did not damage the carpet, nor did we sign any agreement that they could replace the carpet at our expense. On XX/XX/23 we responded requesting all communication with The XXXX XXXX XXXX XXXX be shared with us, including photo 's and proof of this debt. What we received was a typed bill on company letterhead and our original lease. Nowhere in any communication is their proof that the carpet was damaged and needed to be completely replaced or a document signed my us stating they could chose to replace it our expense.
10/31/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	CA 90069	Web
On XX/XX/XXXX, I paid a leasing fee to a rental agency for an apartment. However, due to a XXXX job loss, I couldn't move in. I immediately informed the agency, resulting in the cancellation of my lease agreement. At that point, the agency did not refund my deposit. Several months later, on an unspecified date, I unexpectedly received a deposit refund from the company without any explanation. However, it wasn't until XX/XX/XXXX, almost XXXX years later, that the debt XXXX contacted me, asserting that I owe money. Interestingly, they had initially contacted XXXX XXXX, not me, back on XX/XX/XXXX. This raises concerns because they did not attempt to make contact with me until XX/XX/XXXX. This delay in notification, along with the absence of a validation notice, may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX Fair Debt Collection Practices Act ( XXXX ). These laws require a debt collector to provide a validation notice within XXXX days of their initial contact regarding a debt. Moreover, it's important to note that on XX/XX/XXXX, before providing me with any validation notice, they reported this debt to the credit bureaus. This sequence of events has raised questions about the legality of their actions and the validity of their claim.
04/18/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90031	Web
I gave my 30 day notice to my former apartment complex, which they received and were given keys as well in person XX/XX/20. We moved due to a Roach infestation that has been an issue since the very first week of moving there and we were convinced the property had no roaches and told its not the buildings fault, however every unit had roaches. The manager was extremely rude my entire time in this building and would not speak to me but only to my partner because he spoke XXXX. She would yell at me, degrade me and make disrespectful comments to my family. We lived there for 2 years and the building was not maintained, rent always increased and multiple times without notice, and now that weve moved during Covid because of the roach issue and we were accepted to participate in the ERAS rent relief program with XXXX city who worked directly with the manager and now I see a collections report of over XXXX owed which was never even mentioned, they never returned our deposit to us, nor is it possible to owe them that much money. I was never notified of this until I saw it show up on my credit report. This company has done multiple illegal issues throughout our time living there and I can not pay that amount, especially when it is not accurate and I dont know why it is there.please help.
10/31/2023	Yes	Debt collection Other debt	Electronic communications You told them to stop contacting you, but they keep trying	GA 315XX	Web
On XX/XX/XXXX I was notified by Columbia Debt Recovery LLC DBA Genesis regarding an amount from a place I moved out of two years ago. I thought I had already settled this with the apartment. I requested an itemized list of what was owed, which they could not provide to me. I also disputed this charge with the company by providing previous emails with the apartment company showing that I owed nothing. I called the apartment complex and they were also confused why I was being contacted by a debt collector as they confirmed I dont have a debt. After I disputed the charge they provided no follow up despite the law : 15 U.S. Code 1681i which states : ( A ). A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency '' I have not received any written notice of the reinvestigation and it has been well over five business days. It is now the end of XXXX and I have heard nothing from them regarding this. They still call me every day asking for me to pay despite me telling them many times to stop contacting me about this false debt.
05/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30180	Web	Servicemember
I was married, my ex wife signed on an apartment and signed my name with out my permission or acknowledgement. The lease was signed in XXXX of XXXX when she signed the lease I was at military XXXX When I came back I moved in with her with no knowledge of my name being put on the apartment. Shortly after the I moved with her we legally separated for matters I can not disclose in this complaint. Earlier this year of XXXX after years later the property management filed it on my credit as a collection after months of disputing with credit bureaus. I contacted the credit company to request proof of my signature or responsibility. After reviewing the documents the signature us clearly not mine and false i have 100 's of military documents showing and proving my signature and why the two do not match. With that being said the company allowed the other person and party of the lease signature to pay half and removed them from the account with out consulting me or contacting me until the other person paid and removed. With me being left for the remainder balance so i am filing a fraud case now along with this complaint for the supporting documentation to remove me off this file / account nd for them to restore and delete the damages they have caused to my credit and hardships.
01/23/2023	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	AZ 85283	Web	Servicemember
I have called this Columbia Debt Recovery and they said I lived at XXXX XXXX ast a resident. I have lived in XXXX at the same address for the last 15 years. I can prove this I also worked at the same job for the last 5 when they say I was living at this apartmet complex.the amount owed is {$8.00} XXXX it list 's my name as XXXX XXXX XXXX I have not been XXXX XXXX for 30 years, I have been divored from XXXX XXXX for 30 years. The person that lived at this complex at this time was my son, I was called and asked could I be an emergency contact, I was never send any mail in XXXX telling me there was an evection or money owed. I called Columbia Debt Recovery and asked them to e-mail me documents with my signaure on them and they have not done so yet. I filled a dispute with experian also. I do not know how this can be my debt when they are saying I was a resident when I was not, I was just a emergency contact, someone in the leasing office lied or mislead paperwork. This is false information, I never lived there, I CAN PROVE THAT, I NEVER RECEIVED MAIL THERE, I CAN PROVE THAT, I NEVER HAD A KEY TO THIS APARTMENT. HOW CAN I BE HELD LIABLE FOR THIS? I HAVE GOTTEN NO PAPER WORK FROM ANYONE. I JUST MOVED TO ARIZONA A YEAR AN A HALF AGO WITH MY HUSBAND, I WANT THIS REMOVED.
10/11/2023	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	WA 98682	Web
You HAVE FAILED TO PROVIDE A WET INK SIGNATURE THAT I REQUESTED!!! YOU SENT ME AN E-SIGNED OR SOME TYPE OF PHOTOSHOPPED DOCUMENT WHICH I WILL INTERPRET AS IDENTIFY THEFT ON YOUR COMPANY 'S BEHALF. COLUMBIA DEBT RECOVERY Account : XXXX I have no debt with company and I NEVER SIGNED ANYTHING WITH THIS COMPANY. I'm taking them to court due to committing identity theft on me! USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
08/10/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	WA 98312	Web
Received initial contact from COLUMBIA DEBT RECOVERY XXXX DBA GENESIS on XX/XX/2023 via email stating I had a past due balance of {$5900.00} with included interest of {$92.00} that was originally placed for collections on XX/XX/2023. Initial email received on XX/XX/2023 did not contain my rights to dispute within 30 days of receiving this email so I sent a reply to this email, along with the email on their page with a Debt Validation Letter the next day on XX/XX/2023, and today on XX/XX/2023. Their website does not allow me to update contact information or my address as it always fails to apply, this has happened on XXXX different web browser on XXXX different devices. Furthermore, they do not respond to my emails about contact information submissions and I can never get in contact with them. I have requested additional information to be sent to me to my address and also to my emails. I have not heard back from the company. Their website also refuses me with submitting disputes regarding the account balance. To summarize, I can't dispute through my preferred method of contact, I can't get in contact whatsoever, I haven't received an informal, written letter stating my rights in my hand and they haven't responded to my Debt Validation Letter submissions.
08/19/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	IN 46221	Web	Older American
I told XXXX XXXX that I would be moving. Told them in XXXX that I would have to move from XXXX because I had medical problems going up and down stairs. Company stated what I had to do. We would probate the time because I was leaving at the middle of month in XXXX. I had to probate that from bank to settle. so, when I try to go to the office the door was lock and the sign said close because of Covic19. Than I try to reach them because I needed to sign everything is clear. No, office, no phone service and I try emailing the company. That's went I got the run around they kept sending me emails stated when you move we will glad to set you up with gas, utilities and other things in your new place. I email them and said no remember I moving. so no communication from them. I never got no response to prove that I don't owe. I paid my last payment from in my bank got proof. One year later a agency call me and it was a New company name XXXX that took over XXXX XXXX and collections name Genesis collections is working to get {$3100.00} from me. I don't owe them any money at all. Pandemic cause me to be caught up with this amount. I am innocent of this. Please help my husband and I are trying to have good credit because next year were buying a house!!! thank you
11/14/2023	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	UT XXXXX	Web
My husband and I moved out of an apartment in XXXX XXXX XXXX, Utah, in early XX/XX/XXXX. At that time we were told in writing by the management that we would be liable to pay rent only until the unit was re-rented. We left the apartment in move-in condition by having it professionally cleaned, and there was no damage of any kind when we left it. The apartment was indeed re-rented within the same month. In XX/XX/XXXX we were contacted by the apartment 's owner with an indication that the balance of the rent was owing. I responded with their XXXX 's email confirming that we were liable only for the period of time the apartment was unoccupied. That's the last I heard on the matter until recently. In XX/XX/XXXX I was contacted by Columbia Debt Recovery LLC, dba Genesis. I followed the response instructions in their email, again forwarding all of the information that supported my claim that not only do I not owe them anything, but they owe me for funds not properly returned. There was no response. I received another contact from Genesis on XX/XX/XXXX notifying me of the same debt. I replied yet again in the same manner as before. There was no response. I recently received a notice from XXXX XXXX that Genesis has reported this debt to credit bureaus.
12/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WA 983XX	Web
In XXXX we had an apartment at XXXX XXXX in XXXX, WA with a roommate. That roommate quit his job and became unable to pay his portion of the bills. We were evicted. On XXXX XXXX, XXXX, XXXX XXXX XXXX ( aka Genesis Credit ), XXXX XXXX filed for and received a judgment in the amount of {$2500.00}. On XX/XX/XXXX, A Writ of Garnishment was then issued in favor of XXXX XXXX XXXX, XXXX XXXX, and assigned to Columbia Debt Recovery, LLC. That Garnishment was served on one of our employers. That Garnishment was paid in full through the Continuing Lien on Earnings. Genesis Credit has continually and fraudulently reported on our credit reports that we still owe over {$8000.00}. We disputed those reports. Genesis removed them ... for a few months. They then RE-reported on our credit reports that we still owe over {$8000.00}. We have disputed it again. We have attempted numerous times to contact them to get this resolved. No phone calls are returned. If we had actually owed the amount they are claiming, a Judge would have issued a Judgment and Writ of Garnishment for that amount. However, the Judge issued them in the correct amount of {$2500.00}. That amount has been paid. Please note as well that Genesis Credit is under investigation for fraud.
12/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WA 983XX	Web
In XXXX we had an apartment at XXXX XXXX in XXXX, WA with a roommate. That roommate quit his job and became unable to pay his portion of the bills. We were evicted. On XXXX XXXX, XXXX, XXXX XXXX XXXX ( aka Genesis Credit ), XXXX XXXX filed for and received a judgment in the amount of {$2500.00}. On XX/XX/XXXX, A Writ of Garnishment was then issued in favor of XXXX XXXX XXXX, XXXX XXXX, and assigned to Columbia Debt Recovery, LLC. That Garnishment was served on one of our employers. That Garnishment was paid in full through the Continuing Lien on Earnings. Genesis Credit has continually and fraudulently reported on our credit reports that we still owe over {$8000.00}. We disputed those reports. Genesis removed them ... for a few months. They then RE-reported on our credit reports that we still owe over {$8000.00}. We have disputed it again. We have attempted numerous times to contact them to get this resolved. No phone calls are returned. If we had actually owed the amount they are claiming, a Judge would have issued a Judgment and Writ of Garnishment for that amount. However, the Judge issued them in the correct amount of {$2500.00}. That amount has been paid. Please note as well that Genesis Credit is under investigation for fraud.
11/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76132	Web
In accordance with Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : American Credit Acceptance # XXXX, Account Name : American Credit Acceptance # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX XXXX, XXXX # XXXX, Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX. Systems, XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX, XXXX # XXXX 15 U.S.C 1681a-4 -states I have the right to privacy. 15 U.S.C 1681s-2 section B -states a consumer reporting agency can not furnish an account without my written instructions. 115 U.S.C 1681a-5 - states no consumer reporting agency may make any items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 - section A- states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
11/25/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	NM 87112	Web
I am submitting a compliant against XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is owned and operated by XXXX XXXX XXXX XXXX Additionally, I am submitting a compliant against COLUMBIA DEBT RECOVERY LLC DBA GENESIS for attempting to collect debt that I do not owe. I moved out of XXXX XXXX XXXX XXXX XXXX XXXX XXXX and received and cashed the deposit check for {$310.00} on XX/XX/XXXX ( with damages already deducted from the initial {$500.00} deposit ). An email appearing to be from XXXX XXXX XXXX contacted me on XX/XX/XXXX attempting to collect {$130.00}. This was the first email I had received since the move-out nearly one year prior. However, XXXX XXXX State law stipulates the landlord has 30 days to contact the renter after the completion of a lease. XXXX XXXX XXXX is FAR past the statute of limitations to contact me. Moreover, the link to the payment site pointed to a non-XXXX affiliated website XXXX XXXX XXXX XXXX XXXX XXXX, which indicated to me that the email was most likely fraudulent. I attempted to contact both XXXX and Columbia Debt Recovery via email on XX/XX/XXXX, but I have not received a reply. Additionally, my most recent credit reports from both XXXX XXXX XXXX show the collection account for money that I do not owe.
07/12/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NM 87114	Web
Please provide proof of an inquiry to my credit as well as proof of the rejected application, as the application was incomplete. If this can not be provided, I will be disputing this inaccuracy with the credit bureaus and demanding this to be removed from my report. Additionally, XXXX companies are attempting to collect on this inaccurate debt which is illegal. I viewed an apartment and started ( but did not finish ) the application process in XX/XX/2022 with XXXX XXXX in XXXX. My credit was frozen at the time, so when I got a notification that the application was submitted I cancelled my debit card to reverse the funds for the unit that I had not been ready to apply to. I cancelled my application, yet a collection account is showing for {$130.00} for an apartment I never applied to nor lived in. The application was cancelled, not denied. It was not even processed. Once again : Please provide proof of an inquiry to my credit as well as proof of the rejected application, as the application was incomplete. If this can not be provided, I will be disputing this inaccuracy with the credit bureaus and demanding this to be removed from my report. Additionally, XXXX companies are attempting to collect on this inaccurate debt which is illegal.
03/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92620	Web
I am flabbergasted how a debt collection company dares to report a ridiculous amount to my credit reporting agency without having any contract nor any document that could validate such debt. I had no debt to such creditor. The debt collection agency has reported this false collection amount fraudulently without following their legal steps. The debt collection agency is just trying to bother me by reporting a false claim instead of contacting and presenting documents to validate the debt. Furthermore, the collection agency is being unresponsive and abusing the credit reporting agency for their own wrong doing. I have no contract and no such proven debt. Due to lack of any validation of this debt the collection agency needs to be penalized not following Debt Collection ACT rules and regulations. On another note the amount of {$64.00} is such a ridiculous amount that is another proof to my claim that the reporting agency is being abusive. I need this falsely reported amount removed from my credit reporting and I definitely want federal support against such abusive unlawful practices conducted just to bully customer instead of conveying through competent legal system. my contact number is XXXX should you need any further verification.
03/29/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 28270	Web
Our previous rental management company, XXXX, has hired a collection agency to try to extract {$920.00} from us for alleged damages to two apartments where we were tenants. These charges are erroneous and have been grossly inflated. The complainants allege that we ruined a carpet, gouged large picture hook holes in the walls, and abused the kitchen cabinets to the point where they had to be repainted. They also claim that we owe them for several small fees that we previously had paid. The complainants have already reported us to credit report companies. Also, the dates of these alleged damages are very old and were brought to our attention long after we had moved out. We vacated the first apartment on XX/XX/XXXX, and the second apartment on XX/XX/XXXX. In addition, my wifes car was stolen from their parking lot, which was unsecured as a result of a non-functioning security gate at the entrance. We are honest, upstanding people who would freely pay the disputed amount if we thought their complaints were valid, but it is against our nature to not at least try to right a wrong. Thank you in advance for any assistance in this matter. Move out date from complex, XX/XX/XXXX. First notice of collection, XX/XX/XXXX XXXX
12/28/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30034	Web
I lived in XXXX XXXX Apartments from XX/XX/XXXX to XX/XX/XXXX. I moved out prior to my roommate. I was told by the property manager, XXXX, to leave the keys with XXXX since she was still living there. When I left the apartment, it was in perfect condition. A few months later, I receive an email from XXXX XXXX stating my roommate and I owe {$2.00}. XXXX for move out damages and signing a new lease. I never signed a new lease nor caused damages when I moved out. I called the company and the new property manager said there was proof attached to that email. All that was attached was the old lease which expired in XX/XX/XXXX so according to the leases terms I was on a month to month. There were NO MOVE OUT PICTURES or a lease attached. They sent my name to Columbia Debt Recovery who harassed me with phone calls and threatened to destroy my credit when I said there was no merit to this debt. He even asked where i can find my roommate. I filed a complaint with the BBB and nothing happened. The new property manager has not been helpful and I filled a dispute through XXXX. After I filed the complaint they changed the amount to XXXX. XXXX instead of XXXX. I would like my name removed from this debt and it taken off my credit.
11/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30096	Web
I am requesting the deletion of account COLUMBIA DEBT RECOVERY DLOGSEXXXXXXXXXXXXXX. This debt collection agency has engaged in practices that are abusive, deceptive, and unfair actions which are clear violations of the FDCPA. They have reported an account that I did not agree to nor sign any agreement for. A legal contract necessitates the agreement of two parties, and I had no involvement in any such agreement. Moreover, they failed to follow the proper five-step validation procedure, further highlighting these unfair practices. I also have uncertainties regarding whether I ever held an account with the original creditor. The original creditor did not verify the account, nor the balance listed on my credit report. OLUMBIA DEBT RECOVERY is illegally furnishing an account to my credit report. This company is also calling me continuously and harassing me about a debt that I do not owe them. Please consider this letter as an official request for cessation of communication under the FDCPA. Failure to comply with this request will be a violation of the FDCPA, and I will have no choice but to pursue legal remedies available to me under the law. Delete the account OLUMBIA DEBT RECOVERY from my credit report immediately.
04/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WA 98033	Web	Servicemember
I moved out of XXXX XXXX, XXXX, WA XXXX in XX/XX/XXXX, due to pest infestation, rampant theft, burglary and vandal problems, and due to the the intent of management to raise my rent to unaffordable level for me. After moving out in XX/XX/XXXX, later in XX/XX/XXXX, I received an automated bill for rent. I called and emailed XXXX XXXX management who informed me in writing via email that the rent and utility bill sent to me was a glitch in the system and that they would fix the problem. Now in XX/XX/XXXX, I have been contacted by the XXXX XXXX XXXX company to pay a {$1400.00} bill that they claim I owe to XXXX XXXX. In XX/XX/XXXX, I contacted XXXX XXXX who is under a new manager and explained to them the glitch in the system that had wrongly billed me in XX/XX/XXXX. I also asked them to give me the original bill so I can send it to the Washington State Attorney General 's Office. XXXX XXXX management said that was under old management and they have refused to give me the original bill from XXXX XXXX that I allegedly owe. I am permanently unemployed and I am a XXXX XXXX XXXX, who has had XXXX XXXX XXXX ( XX/XX/XXXX and again on XX/XX/XXXX ) and I am unable to pay this {$1400.00} bill that I do not owe XXXX XXXX.
06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 75104	Web	Servicemember
In XX/XX/XXXX I tried to resolve unwarranted charges with the collection agency Genesis who obtained the debt in question from apartments XXXX XXXX in XXXX Texas. I disputed the validity of these charges but XXXX XXXX nor Genesis was willing to come to an agreement with me to resolve the issue. As a result, Genesis placed the account on collection/chargeoff in XXXX of XXXX. I took an initial hit on my credit score, but as the year progressed my score gradually improved since this was the only negative account in my report. It is now XXXX XXXX and I noticed another drop in my credit score as a result of Genesis making a new report for the same old debt that has had no activity since the XX/XX/XXXX chargeoff. Genesis has changed the reporting date to XX/XX/XXXX as if it was a brand new chargeoff. It is to my understanding that under the Fair Credit Reporting Act, that the agency is not allowed to re-age my account to make the debt appear newer than it actually is. It is my impression that Genesis is using this new dating as an attempt to get me to pay this old debt that I do not rightfully believe that I am responsible for. I am disputing the validity of this debt, in addition to the reporting date of this debt.
10/30/2019	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	WA 98597	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX sent me to collections for a bill that is inaccurate and proceeded to let tenants that still live there know that they are sending myself and my co-tenant to collections over a bill that I am currently disputing. I have attached the invoice that they sent me about what I owe. I am disputing the amount of the carpet they are charging me because {$1000.00} is not how much a 5+ year old carpet should cost to replace and they are charging me {$200.00} to replace carpet in the dining area with linoleum that wasn't there when I was a tenant. They also charged us for drip pans that were replaced 2 days before walk through along with items in garage that they had a verbal agreement with my co-tenant that we could pay {$50.00} a day until cleaned out. They changed the locks on garage on day # 4 and put an abandonment notice for the garage on the apartment door of XXXX which was no longer our apartment. The debt collectors they sent us to are Columbia Debt Recovery DBA Genesis who call constantly, have called my employer and say they want to help but then don't follow through. I have filed complaints with the attorney general office, the property owners and property management.
09/10/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CA 92691	Web
I called on XX/XX/XXXX, this company collection agency named XXXX XXXX XXXX, to find out, for what reason, this collection agency, does not stop harassing me. the agent I spoke with explained to me that I owed the sum of {$280.00} for the company XXXX XXXX XXXX, at XXXX XXXX XXXX, XXXX, CA XXXX. I refuse to pay for this rental agency, or it found my last accommodation. before making the inventory and handing over the keys to the manager. it was clear that I had paid all my rent for my apartment and that I had left the apartment without any damage. I always had problems with this apartment rental company when I was living in this apartment. sometimes the manager asks me to pay my rent for the month and when I paid the next month which showed that I didn't pay my rent for the last month ... this rental agency did a lot of error with my rental agreement so now I refuse to pay the amount that asks me. I am also filing a complaint against this collection agency, which does not respect my privacy and harass me every day with phone calls and texts. I told this collection agency agent, before hanging up, that I know my rights and ask them to stop harassing me right away or I will file a complaint against this agency.
12/09/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	AL 35806	Web
A landlord who was never my landlord was running a scam business. I fell for the scam and paid an application fee via credit card. The landlord then broke multiple laws and I backed out before ever signing a lease. I tried to resolve it but they ghosted me, I eventually charged it back as fraud because the company did engage in fraud. Theyve since added on false amounts of money and fees never agreed to and sent it to various debt collectors, all have immediately dropped it when I told them what was going on except Columbia debt recovery. I was told they would drop it if submitted proof. So I did and asked for verification of debt. They ignored my proof, didnt address it at all and didnt drop it. Their debt verification also lacked things required by law and literally proved I didnt owe what they were asking for. On top of this theyve made half a dozen false statement. Tacked on illegal interest fees, never sent an actual letter, and so on and so on. I eventually demanded payment for there violations of the FDCPA and they have ghosted me and reported my account to credit bearues while still under dispute and without ever properly verifying the debt. Not to mention its literally a fraudulent debt to begin with.
11/21/2023	Yes	Debt collection Rental debt	Electronic communications Used obscene, profane, or other abusive language	TX 75240	Web
On XXXX, 2022, I was contacted via text by XXXX XXXX with Genesis collection agency. Please see below. XXXX text he stated he was hired by XXXX XXXX regarding my tenancy in unit XXXX XXXX, owing {$350.00}. To Opt out of the text message please respond XXXX XXXX XXXX. I texted back stop due to me already discussed this issue made payment toward outstanding balance. I receive a phone call moments after I responded stop, its was XXXX. XXXX let me know I owe this money fairly and its not uncommon for apartments to replace carpet between tenants. I explained I understand that but most just shampoo and this was a complete money grab. At this point XXXX began to yell at me and let me know I wont get a house, this will ruin my future the charges are going on my credit score which prompted me to return the exact same energy. He was very aggressive with this attempt. I felt deceived from the initial contact and abused after the call. From nefarious text message practice to the harassments that was felt on this call, left me very uneasy and still makes me angry. I understand Genesis is a 3rd party collection agency and based on this I felt deceived and harassed after this interaction. I refuse to engage with this company
11/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DC 20010	Web
Starting on XX/XX/2022 the former property management company ( XXXX ) I rented from illegally raised my rent during my lease, and without due notice. The sent me email confirmation that my rent would be raised on XX/XX/2022, but raised my rent before then. I vacated the apartment on XX/XX/2022 after submitting appropriate notice the month prior ( which was confirmed by the property management company ). The company attempted to bill me for additional rent that I did not owe and I did not pay. The company charged my account for rent and additional fees on XX/XX/2022, the day I was vacating. They then sold it to a debt collection company. I sent a letter by mail disputing the debt and asking for validation. The debt collection company ( Columbia debt recovery LLC DBA Genesis ) sent an expired lease ( expired XX/XX/2022 ) and an invoice that just has " rent owed '' for the debt validation. They did not send anything regarding the time I rented from XXXX. I still have all of the invoices and receipts from my actual rent payments, the emails stating my rent would not increase until XX/XX/2022, as well as the additional rent charges they added to my account with them and my payments from their online portal.
05/19/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TN 37043	Web
I sent a email to ask for a debt validation letter because I received a letter in the mail saying I owe the debt and how to contact them for a debt validation letter. they never responded to my inquiry and instead sent a debt Validation letter to a email I was no longer using without letting me know I can dispute and also did not include the debt also belongs to a secondary party. On top of this they included photos of the apartment to add fees. And I took photos that do not match the damages theyre referring to. I was willing to pay a quarter of this debt, but I am not responsible solely and this is affecting my credit. I also was on unemployment due to being fired because of XXXX during this period and my compensation was not enough to cover the full amount of rent. A application for rental assistance was in process as the secondary holder refused to assist with payment. I will include all documentation showing my last receipt which reflect every payment was made by me, any additional proof I am able to provide. I will also include the debt letter sent to me without the option to dispute. I will also include the request for debt validation that was never responded to via the same form of communication.
01/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX XXXXX	Web
XX/XX/2020 XXXX XXXX had taken a job in the XXXX XXXX area. we live in XXXX XXXX so she was moving down there. We were searching for an apartment and had applied at XXXX XXXX XXXX XXXX XXXX was our contact person. At this time we had to pay the application fees that were {$55.00} per person and we also paid a security deposit of {$200.00}. All fees were paid. We were starting to get into a bind with time and I had not heard back from XXXX. We then started to look at other apartments and found one that approved us very quickly. I informed XXXX that we would no longer need this apartment and that was it. Didn't hear from anyone, then someone called to let me know that I owed money from my daughter moving out?? I informed them that she NEVER signed a lease, nor did she move into that apartment. The lady on the phone was going to investigate it, again didn't hear anything so I thought things were taken care of?? Now Columbia Debt recovery gets a hold of me and I inform them that everything was paid. They tell me to send all proof. I did this, again no one EVER contacted me again so I thought things were handled?? Now it shows up on my credit report. I have very good credit and I always pay my bills.
11/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 275XX	Web	Servicemember
My employees and team moved out of the apartment 3 days before the end of XX/XX/XXXX due to continued infestations of roaches and other pests and lack of maintenance on the apartment. This was an issue since move in. Apartment company allowed us to leave and sent a confirmation email stating the account was closed due to circumstances and they would contact us if anything further was required. Closed account email was sent 33 days after move out even after multiple contact attempts including email for follow up. Never received any follow up. Four months later they put a negative score on my credit for not paying the month of XX/XX/XXXX and in XX/XX/XXXX was contacted by Columbia Debt Recovery DBA Genesis Credit for debt recovery. I never received emails or letters of the proceedings while having proof the account was closed. I never gave permission for my information to be sold or transferred from the leasing company to Columbia and was never made aware of any proceedings through registered mail, email, etcetera. This is 100 % fraud. Columbia has agreed to remove completely with copies of police report and FTC/CFPB complaint which I have provided. I need this removed from my credit completely.
11/16/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TN 37086	Web
Hello, I receive repeated collection attempts from COLUMBIA DEBT RECOVERY LLC DBA GENESIS attempting to collect money that I DO NOT OWE to previous apartment complex XXXX XXXX. Before ending my lease at this apartment, several letters were posted on my door, and I assume other tenants ( XXXX XXXX ) concerning options to end lease due to COVID-19 income loss. During this time, our leasing office had no one working on the premises for months - I reached out via email and asked a representative what kind of notice would I need to provide to end my lease and I was told that I needed to provide 60 days notice to avoid having to pay any additional money. I provided written notice via email early XX/XX/2020. I received no collection attempts for ANYTHING owed by XXXX XXXX until Columbia Debt Recovery started harassing me and placed and erroneous {$6000.00} collection debt on my account. They have provided a print out with a break down of charges but I dispute them wholeheartedly. I was given permission to break my lease with 60 days notice and I do not owe this money that is hurting my credit. I request that this account be closed and the balance deleted from my credit report as soon as possible.
12/12/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 77551	Web
Left XXXX XXXX with proper notice ( XX/XX/2023 was my last month ) as per their modified terms and conditions, well in advance. Had difficulty as half the time the office is closed in spite of their office hours, but notice was delivered, signed and a copy handed to me well before the 60 day limit. Paid off all remaining bills I rightfully owed XXXX XXXX on the way out. XXXX unfortunately could not be delivered until the day right after my final day because of their inability to follow their own listed office hours. Received notice that I owe an extra month of rent, while attempting to threaten me into paying more. Tried bargaining with me, offered to have me just pay water and other miscellaneous utilities for a whole month instead of rent, but I still refused since its not my fault they cant keep tidy records. XXXX XXXX ( currently owned by XXXX ) proceeded to sell this fraudulent debt to Genesis ( Colombia Debt Recovery LLC ) who sent me a letter. Upon calling to alert them of the fraudulent nature of this debt, they talked over me with threats and insults until the call devolved. Their operator ended the call with threats to garnish my wages, and me threatening to contact a lawyer.
04/26/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WA 98188	Web
This is the 3rd time I've had to file a complaint on this business and I will not stop until this injustice is corrected. This company is willfully and blatantly non-complaint with their debt collection practices. 1. I never received a notification within 30 days of this reporting on my credit report. 2. When I requested validation of debt, they sent me paperwork with someone else 's name on it. 3. When I dispute with the credit bureaus, genesis " verifies '' that they are reporting the information correctly, but it's blatantly inaccurate. 4. The collection failed to prove that they own the claimed debt. 5. When they found out that they are ignoring federal law and the name on the paperwork doesn't match my name, they sent me a handwritten. 6. The company is illegally charging interest. It's not legal for a company to charge interest unless it's specifically written in the initial contract. I know the CFPB is searching for some Class Action Lawsuits and I think this would be a great company to investigate. If I've had these problems resolving something that is blatantly misleading, inaccurate and unverifiable - just imagine how many consumers are being violated by this company.
09/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 94102	Web
I applied to be a Tennant at XXXX XXXX in 2020 and was told that all it was required was a {$50.00} application fee. At the end of the application, I was surprised with an additional {$500.00} as a " deposit. '' I inquired if I paid the deposit and decided not to move in if I would be refunded. The representative guaranteed me that yes I would be fully refunded. I decided NOT to move in, and asked for my deposit back. Months went by, and not only did not XXXX XXXX NOT refund my deposit but sent me an invoice for another {$570.00} claiming I had not paid the deposit and the application fee plus a {$25.00} returned check fee. ( I paid with a CC, not a check. I have and sent them both my CC statement and the receipt XXXX issued me for payment of the fee, and they still continue to charge me ) XXXX sent me to collections and reported me to a credit agency which ruined my credit. Even though they were the ones who owned me money. I took this issue to Small Claim Court and won a settlement for XXXX XXXX to pay me {$570.00} + Interest. XXXX refuses to pay the judgment and continue with their collection attemps and trying to ruin my credit even though I proved in court I was correct.
11/08/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	TX 79107	Web
This account was opened fraudulently. This is a Violation of 15USC1611. The debt is not mine own. Rightfully I should not be held accountable for someone else using my information. I have provided FTC affidavits and proved that such allegations are false. Per 15 U.S. Code 1611 Criminal liability for willful and knowing violations. 15 U.S. 1681 - The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 U.S. Code 1692K - The FDCPA, or Fair Debt Collection Practices Act, find its teeth in section k which imposes civil liability upon any person or business who violates the FDCPA. Section 812 - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
03/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 780XX	Web
COLUMBIA DEBT RECOVERY LLC DBA GENESIS is attempting to collect a debt of XXXX to replace carpeting in XXXX XXXX unit XXXX. I responded on XX/XX/22 with the following : " I do not have any responsibility for the debt youre trying to collect. If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. '' On XXXX they responded with a copy of the lease and a picture of subsurface stains in a small section of the carpet. I responded with the following on the same day : " I do not have any responsibility for the debt youre trying to collect for carpet replacement. Unit XXXX was professionally cleaned on the move-out day and contained no noticeable surface damage. Under-surface stains are likely from previous tenants. The lease agreement contains no liability for carpet replacement. If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. '' With no further response of proof, they submitted a collections event on my credit report.
07/10/2020	No	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 91709	Web
This company has repeatedly done different tactics to drastically lower my credit score : First tactic, they continue to delete this debt from my credit and then resubmit it as a new debt. If causes a nine point drop each time they do this. This occurred XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and several other times. Second tactic, they continue to add interest to the loan every week. Ive attached proof, please review all the interest from XXXX to XXXX. XX/XX/XXXX, for {$8.00}, XX/XX/XXXX, for {$2.00}, another {$2.00} on XX/XX/XXXX, and on XX/XX/XXXX, another {$2.00}, and XX/XX/XXXX, {$1.00}. This totals : {$19.00}. This collector knows each time they add even {$1.00} my credit drops at minimum 4 points. Lastly, this debt is for a balance from my old apartments. Its not an eviction debt but an excessive cleaning bill debt that Ive tried reducing but they refused. I was notified by my current landlord that this company contacted them and explained I left a debt with them and theyre concerned I will do the same with this company. My landlord has minimally threatened not renewing my lease based on this phone call. It is unethical and illegal.
10/03/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	VA 23451	Web
I applied for a loan and was denied due to a collection I was unaware of. I called the apartment complex, XXXX XXXX XXXXXXXX, and talked to the property manager on XX/XX/. They sent me an itemized final statement in the amount of {$760.00}. I asked how to resolve the debt and remove it from my credit report and they notified me that they had sold the debt to a collections agency. I contacted the collections agency and they said I owed {$3700.00}. I had asked the agent where they got that number and they could not provide me with an answer. I had sent the itemized bill from the property manager to the collections agent and the collections agent said they would scan it in and update the amount owed. I received an email from the collections agency on XX/XX/XXXX with an itemized bill and a termination fee of {$3000.00}. The collections agency added charges that were not on the final statement from the apartment complex. They had also added interest charges, none of which were included in my leasing agreement. The collections company charges and not consistent with the final bill verified by the property manager through the apartment complex.
11/03/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	TX 75034	Web
I applied for an apartment online with XXXX corners apartment XXXX i used my XXXX debit card thy charged me {$220.00} in Texas they take their money first for the application and admin fee. i went on about my life and the other apartment i applied for i got so i moved their fast forward XX/XX/2023, somehow, I'm in collections for a debt that was paid up front however i didn't know I was in collections till XX/XX/2023 when I applied for another apartment. they told me that i owed for back rent to Columbia debt collections dba as genesis. i asked them for the information they gave it to me so i called them an told this this was not correct i paid the original owner i had the receipt and my bank statements to prove it. they told me i wrote a check and i owed {$150.00} it bounced and i stated i do not owe and i never wrote a check and i know for a fact they got paid i sent in the recepit and they still say i owe them {$150.00} when i ask how did they get that amount when the original debt i paid upfront was {$220.00} they can't tell me i need this removed from my record as this information is not vaild.they are knowing breaking consumer law
01/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92620	Web
I rent a apartment in XXXX XXXX XXXX XXXX : XXXX. When I was planning to move out, I went to the leasing office and discussed with XXXX XXXX for a date for a room cleaning check. When I moved out, I cleaned up my room and utility appliances with a professional standard, All rooms and appliances very clean and spotless. A young gentleman, leasing office staff came to check and were very satisfied. But after I moved out, I received a bill with a charge for carpet {$70.00} and cleaning {$160.00}. Because all room and utilities appliances very clean, they can not charge me for that. I sent a email regarding this charge to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX, XXXX Customer Care Specialist, and XXXX XXXX, XXXX Customer Care Specialist, but all they didnt respond. XXXX sent this bill to collections company Genesis Credit Management LLC. I sent many email to Genesis, but Genesis never reply my email. Genesis constantly call my phone. I didn't owe anything to XXXX XXXX XXXX. In additional, when I moved in, the room didn't clean up and I find people to clean the room. XXXX XXXX XXXX didn't pay me the cleaning fee.
05/01/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 27253	Web
I received a phone call from a representative of Columbia Debt Recovery LLC DBA Genesis on XXXX regarding an alleged debt. I mailed a very informative letter the same day that I have reason to believe I do not owe this debt because I was wrongfully charged for moving out fees. I requested all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in North Carolina. Because I wrote to them within 30 days of being notified by your company about this debt, they should have ceased attempting to collect this alleged debt until after they provided the requested information. Instead they reported it to my credit 20 days later. Reporting information that is known to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting By reporting the debt they were in violation of the Fair Debt Collection Practices Act.
02/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91307	Web
Collection account XXXX XXXX I had a lease with XXXXXXXX XXXX ( unit # XXXX ) in XXXX and then removed from the last lease I believe by XX/XX/XXXX. I attached the email from XXXX XXXX ( the creditor ) from XX/XX/XXXX they confirmed ( via voicemail and email ) they requested the account to be removed from collections since I was no longer on the lease and wouldnt be charged. I have been calling the creditor for over a month now ( XXXX XXXX ) which is now under new management XXXX XXXX XXXX XXXX in attempts to have them contact the collection agency and have my name removed from this collection. I continued calling XXXX and sometimes multiple times a week hoping to get someone to look into my account, I kept being told someone would contact me but I never received a call back until about a month of continuous calls they stated they couldnt find the records for this account as they were boxed away given the new management merge and theres nothing they can do for me. This issue had originally been resolved with the prior management staff, the email and voicemail have been provided and must be honored as this is NOT my debt.
02/04/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CO 80220	Web
On XX/XX/23 I received notice that there was a change to my credit report. Upon further investigation, I had a collections account opened for the sum of {$270.00}, by Columbia Debt Recovery a.k.a Genesis. I was immediately filled with anxiety and distress as I had no idea such a balance was even being collected, let alone being reported to my credit agencies. To date ( as of XX/XX/23 ), I have received 0 phone calls regarding this alleged debt. I did not receive any mail claiming that I owed, a financial statement for proof, or received a notification of my rights. I had been given no time to make any dispute claims, or a chance to verify this alleged debt. I believe, personally, this was a malicious and intentional action by Columbia Debt Recovery to scare and harass me into paying an amount I do not owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I have certain rights afforded to me in situations like this, rights that Columbia Debt Recovery has willfully violated. Most glaring, I did not receive any written notice upon their initial attempt to collect, or have been contacted in any way for that matter.
06/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 900XX	Web
Columbia Debt Recovery is attempting to collect a debt owed by someone else. I lived at the apartment outside of the date ranges the debt is for and the documents they are providing as " proof '' are for different tenants that lived at the address during different timeframes. Simple information such as apartment number, move in/move out dates, employment history, Date of Birth, Name, signature, Phone number, email address, make/model of vehicles, emergency contact, ID numbers, and Social Security numbers all do not match up. I have a signed statement from the apartment complex 's Management Office with the dates I lived there as well as confirmation that my account balance due was {$0.00} when I moved out. The statement notes that " Please be informed that No Collection record filed by ... Apartments against her. '' The Move Out Statement shows the transactions on the account and balance being {$0.00} on Move Out. This malicious and fraudulent practice of putting together other tenants ' documentation to pin a debt on me has impacted my credit score by XXXX points. This situation is causing me great distress.
09/27/2023	Yes	Debt collection Rental debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33461	Web
On or about XX/XX/XXXX ( COVID ) wife had employment closed and we could not afford to continue rental. Advised property XXXX XXXX XXXX, who instructed us to fill out XXXX waiver form and early termination of lease would be okay and all fees and rent due would be waived. Completed form and returned to property manager. Moved out and asked for walk-through, and advised " not to worry about it. '' In XXXX began getting calls and correspondence from collection agencies and/or property management company regarding back owed monies ( early lease termination and cleaning ) and threatening legal action. Disputed all contact with copy of XXXXXXXX XXXX exactly what we were asked to do. Latest company, Columbia Debt Recovery XXXX XXXX, sent an email on or about XX/XX/XXXX, attempting to collect alleged debt. I sent dispute letter sent via email and 1st Class US Mail on XX/XX/XXXX to XXXX at address provided ( XXXX XXXX XXXX, XXXX, WA, XXXX and XXXX ). Notwithstanding, repeatedly receive calls from XXXX from " XXXX from Genesis. '' Last call received and message left on today XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXX ).
07/11/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92648	Web
The problem began with an apartment company XXXX XXXX XXXX XXXX - owned by XXXX ) that refused to provide proof of charges to me after move out. They submitted the account to collections without any warning and without responding to my communication requesting proof and explanation of charges. The collections company- Columbia Debt Recovery- has continued to perpetuate the issue. I have made partial payment on my account with the amounts that, despite the fact I believe they're invalid, are at the very least " correct '' But I have submitted additional documentation, now more than once, detailing why the additional amount owed is not correct and requesting more detailed account statement to prove the contrary if they believe it is accurate. I have not received any communication from Columbia Debt Recovery in response to the copious amounts of documentation I have submitted to them. I have tried contacting them by mail, email, & phone. On the phone, they are rude, abusive, and completely dismissive of my questions. The documentation I am attaching to this complaint is just some of what I have sent to them.
02/08/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	KY 42240	Web
This company reached out to about a debt that was turned to their company from XXXX XXXX XXXX which is an apartment complex. They start providing incorrect information with amounts that was incorrect lease information that was provided to them with incorrect and misleading information I was told that they were going to do an investigation once I sent them the correct information such as proof of the lease and pictures and the dates that I moved i sent that infromation to the XXXX XXXX did not hear a response back so i sent an email XXXX XXXX asking for a status about the debt. Someone reach out to me from the company stated that the manager from XXXXXXXX XXXX XXXX has not responded I ask them what the statue is or a time frame that she has to respond the debt collector stated that they do not have a time frame and since they did not get a response from the other party they will have to move forward and sent it over to the credit bureaus and i needed to dispute it with the credit bureaus. I told her that was not fair she hung up the phone and they stop answering my calls and stop responding to my emails.
04/30/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28027	Web
Moved out of this place on XX/XX/2022. I Sent the office, their corporate attorney XXXX XXXX, XXXX, XXXX the assistant manager XXXX lastly Genesis XXXX XXXX XXXX proof this. Money is not owed. Here are the photos showing the dates. Please do not just one this complaint just because the company answers especially if they do not remove this from report. Saying they did something without showing proof is not a resolution. Nor is it abiding by the Fair Credit Debt Reporting Act. I could easily pay {$300.00} point is I don't owe it. This apartment was cleaned to better than I moved I'm for immediate rental. Plus is was available days before my legal lease end date. It was late when I finished cleaning the bedrooms do not have their own lights so the pictures are blury they are trying to collect {$140.00} for dirty appliances XXXX {$160.00} for stain carpet and my furniture coveted the majority of these small bedrooms and I lived alone did not spill items on floors I am not much of a soda or juice drinker and the carpets are industrial brown tweed carpets.but that's besides the fact there we not stains
03/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NM 87108	Web
On XX/XX/2021 I applied to XXXX XXXX XXXX and was told there would be a {XXXX} deposit and {XXXX} application fee, I was told if I was denied, I would receive {XXXX} back and they would keep the {XXXX} application fee. I was denied that same day and told to wait a month for my {XXXX} deposit to be placed in my account. I waited a month and contacted the office, they kept giving me the runaround. Saying it would be mailed to my address. 2 months later I contacted my bank to file a claim for my {XXXX} deposit. On XX/XX/2021 I filed a claim for {XXXX} claim # XXXX. The bank put the original charge of {$XXXX} into my account. I advised them I only wanted my {XXXX} deposit back. They can not do partial payments for claims, so on XX/XX/2021 the bank reversed my claim and returned {XXXX} back to XXXX XXXX XXXX. This company actually owes me my {XXXX} deposit back. My bank has confirmed that this company has my {XXXX} and owe me my {XXXX deposit back and now they have sent me to collections trying to get another {XXXX} from me. They are also claiming I owe {XXXX} in move out fees. I never moved in. Please help
10/06/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	UT 84003	Web
On XX/XX/2023, received debt collect email for {$510.00} from Columbia Debt Recovery llc dbz Genesis for XXXX which is over parkway lofts apartments. This amount was a false move out fee which was already disputed with the apartments years ago. In fact they still have a {$500.00} deposit which we never got back which is supposed to go to fees like the one they made anyway, but again the move out charge was already disputed and the apartment could not even prove the charge just sent random photos of a clean apartment. Even just taking a look at the XXXX pages for Genesis, and XXXX there are thousands of complaints of fraud and people having to take them to court every year. Also hundreds of reviews on XXXX how the Genesis employees verbally abuse and harass people. After multiple calls with Genesis who even they saw that the {$500.00} deposit money is on the lease and we never saw any of it, they keep saying they tried to call XXXX over and over but never get a response back. This has made a negative report on our credit scores for a false charge as well as our security deposit money being withheld.
10/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78747	Web	Servicemember
When I moved out of XXXX XXXX in XXXX of 2019 they sent me a bill after the fact for {$110.00}. I immediately contacted them and requested an itemized invoice and proof of the debt since I had cleaned the apartment and I took pictures of everything. I never received anything from them to prove the validity of the debt. They then sent it to Genesis Debt Management who contacted me on multiple occasions and I forwarded them the email contacts I had with the originator and requested that they send me an itemized invoice. Again I never received anything. They did not respond and then about every six months it seems like someone new sends a letter from Genesis. I send them the same information and request each time for them to provide proof of the debt which I still have not received to date. Now they have put this on my credit report and I am at my wits end with it. I have filed a report with the better business bureau also and will be contacting a lawyer to see what my rights are should I need to file suite against them. Your help in getting this resolved immediately is very much appreciated.
10/06/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	UT 84003	Web
On XX/XX/2023, received debt collect email for {$510.00} from Columbia Debt Recovery llc dbz Genesis for XXXX which is over XXXX lofts apartments. This amount was a false move out fee which was already disputed with the apartments years ago. In fact they still have a {$500.00} deposit which we never got back which is supposed to go to fees like the one they made anyway, but again the move out charge was already disputed and the apartment could not even prove the charge just sent random photos of a clean apartment. Even just taking a look at the XXXX pages for Genesis, and XXXX there are thousands of complaints of fraud and people having to take them to court every year. Also hundreds of reviews on XXXX how the Genesis employees verbally abuse and harass people. After multiple calls with Genesis who even they saw that the {$500.00} deposit money is on the lease and we never saw any of it, they keep saying they tried to call XXXX over and over but never get a response back. This has made a negative report on our credit scores for a false charge as well as our security deposit money being withheld.
10/04/2023	Yes	Debt collection Rental debt	Communication tactics Called before 8am or after 9pm	CO 80226	Web
On XX/XX/XXXX, Columbia Debt Recovery LLC dba Genesis LLC sent a collection letter that I received by email. I do not recognize this debt and sent a validation letter by certified mail on XX/XX/XXXX requesting verification of the debt owed. I stated clearly in my letter that I was disputing the collection on my account. I received the certificated mail receipt proving that Genesis LLC did receive my letter on XX/XX/XXXX. On XX/XX/XXXX, my credit account was reported on by Genesis LLC. My credit score was negatively impacted because of this. I have yet to receive validation of the debt from Genesis LLC. I was proactive and sent my validation/dispute letter within 30 days of the timeframe given, but I have yet to receive any documentation. Genesis LLC should have marked the debt as disputed on my credit reports. This is required under section e ( 8 ) of the Fair Debt Collection Practices Act ( FDCPA ). Additionally, Genesis LLC continues to reach out to obtain the debt even after acknowledging that they received my letter. Specifically, on XX/XX/XXXX, Genesis LLC called me at XXXX XXXX ( MST ).
10/24/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	GA 30088	Web
I was contacted by Columbia Debt Recovery LLC DBA Genesis via telephone after they made a report to my credit that I was in collections for {$10000.00} owed to XXXX XXXX on XX/XX/2023. I then requested that they forward me an itemized report because I only owed half of what they were claiming they were recovering. Columbia Debt Recovery then proceeded to email me a false ledger with an incorrect amount owed. I asked that they discontinued contact with me until they could correctly verify the amount that they say I owe, they then proceeded to call my cell phone number numerous times daily. I contacted XXXX XXXX myself and confirmed that the amount being requested from Columbia Debt Recovery LLC was incorrect, XXXX XXXX then proceeded to email me the detailed ledger that they had on file with their contact information for anyone who was trying to collect. I forwarded the information to Columbia Debt Recovery again and requested that they adjust the amount owed. I am now concerned that this is a fraud company that is trying to scam me out of paying them a large amount of money that I do not owe.
09/29/2023	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	TX 75208	Web
I was contacted by Columbia Debt Recovery LLC on XX/XX/XXXX in attempts to collect a debt that I do not believe I owe so on XX/XX/XXXX I sent over a Debt Validation letter to hold the account until I received the proper information from the company. However on XX/XX/XXXX the company reported the collection to my credit and my credit score took a major hit even though according to the The federal Fair Debt Collection Practices Act ( FDCPA ) Section 1692g in Title 15 of the U.S. Code if a third-party debt collector contacts you and you're not sure that you actually owe the debt or think that the debt collector is mistaken about some part of it, you can ask for a validation of the debt. The debt collector must inform you of this right and you must make the request within 30 days of the first contact. After receiving your request, the debt collector must provide you with information about the debt, including the amount owed and to whom it was owed. Collection activities must stop until they provide this information. They have yet to respond but have not stoped collection activities.
09/09/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	WA 98683	Web
COLUMBIA DEBT RECOVERY Account XXXX XXXX I have no debt with company and I NEVER SIGNED ANYTHING WITH THIS COMPANY. I'm taking them to court due to committing identity theft on me! USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
10/31/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33183	Web
This company : COLUMBIA DEBT RECOVERY LLC DBA GENESIS, has placed derogatory marks on my credit reports of {$250.00} and states that I tried to rent a property in XXXX and owed them money for some kind of review. My social security number was leaked during the XXXX leak and since then I've had to freeze my credit. I don't know how someone in XXXX is impersonating me and don't think that this should reflect negatively on my credit report because this company didn't do their due diligence in verifying that person 's identity. They have my old address from over 5 years ago listed but I've lived in XXXX, FL my whole life and never moved or attempted to move to any other city or state. In order to remove this they now want a police report from me regarding the XXXX leak and this incident and to go to a notary to verify that I am who I say I am, and images of my driver 's license, but apparently didn't require any of this to place this derogatory mark on my credit or request it from that person who impersonated me. I'd like for them to remove this from my credit report.
11/28/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NV 89139	Web
Columbia Debt Recovery XXXX, dba Genesis, initially contacted me via email on XX/XX/2023, asserting a debt owed to XXXX XXXX in the amount of {$450.00} as of XX/XX/2023. On XX/XX/2023, I formally requested documentation pertaining to the validity and basis of the debt, authorization for interest/fees, and proof of their authority to collect. Their response on XX/XX/2023 was an unclear account statement, missing the requested information. Despite my follow-up on XX/XX/2023 reiterating the need for missing information, they did not respond back. On XX/XX/2023, they sent another debt notice resembling their initial XX/XX/2023 email. My subsequent communication on XX/XX/2023 reiterated their failure to provide the essential information. In their most recent email dated XX/XX/2023, they claimed my account is considered past due, and has been place in collections on XX/XX/2023. However, they still have not responded to my requests for data, and their inconsistent communication, now with different dates, complicates my ability to address this matter appropriately.
01/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC 29414	Web
On they Year 2018, I went to the US with an Exchange Student XXXX Visa Program. We had our Apartment ( XXXX Apartments ) at XXXX XXXX XXXX XXXX XXXX Florida XXXX. I vacated the premises within 6 months of staying and they did have me cleared. I shared it with a few people on the same program as I was. And they were the ones who stayed until XXXX of the next year. BUT THIS HAS BEEN THE XXXX TIME THEY HAVE BEEN TRYING TO COLLECT PAYMENTS FROM ME. And what I do not appreciate is them locating me where ever I am trying to get me to pay. I DO NOT THINK IT IS SAFE FOR ME THAT THEY ACTUALLY TRACK MY LOCATION AND ADDRESS. You see, I did call the property itself to clear things out XXXX years ago and NO ONE COULD EXPLAIN TO ME WHAT IS GOING ON. And this is now the XXXX collection company that had contacted me. THIS IS INVASION OF PRIVACY ALREADY. I did tell them if there are any issues I would need to speak with with the property office themselves and have them send me all the contracts I did sign and whatever I do owe. But no one could provide me with any information.
11/24/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	GA 30909	Web
I am writing to formally report retaliation by Columbia Debt Recovery aka Genesis Credit Management in response to my initial complaint filed against them. It appears that they have manipulated my credit balance negatively as a form of reprisal. This has also decreased my credit score. They claim they are working on this issue but clearly are not. I urge the Consumer Financial Protection Bureau to investigate this matter promptly, as it not only undermines the accuracy of my credit report but also raises concerns about the fair treatment of consumers in this process. Attached, please find supporting documents for your reference. Also, this company has reported the same debt under different " doing business as '' ( DBA ) names on my credit reports. This practice creates confusion and inaccuracies, violating fair credit reporting rules. Thank you for your attention to this urgent matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to address this retaliation by Columbia Debt Recovery aka Genesis Credit Management.
08/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 122XX	Web
On XX/XX/XXXX I reached out to COLUMBIA DEBT RECOVERY and validation was requested for the collection account reported to my credit report in the amount of XXXX XXXX The collection has been reported as a past due balance. I contacted Columbia Debt Recovery to provide me with any business contracts we may have together. Moving forward now XX/XX/XXXX I reviewed my credit report again and the account continues to reflect on my credit report and I have not received any correspondence from the creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore I have reported this account as fraudulent. I do not know this company. I have never done business with this company. In accordance with the fair credit reporting act : COLUMBIA DEBT RECOVERY, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
11/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX XXXXX	Web
Columbia Debt Recovery XXXX you have broke the law! You have shared & used my non public personal information without my consent. I have not disagreed to pay you, however, I have requested the proof of this claim you have against me. I have requested that you provide me with verifiable proof, and You Columbia Debt recovery have failed to provide me with any verifiable proof of this alleged debt. I now ask that you provide me with a copy of your XXXX bond issued by a XXXX company authorized to do business in the state of Texas as prescribed by the XXXX XXXX XXXX, as well as a copy of the original contract binding you, Columbia Debt Recovery and I together, A signed invoice, a receipt of the transaction you made with XXXX on XXXX, and a full breakdown of the account ledger. You have 10 days upon receipt to provide me with this information, if you are not able to have this information available I expect this account to be deleted from consumer reporting agencies immediately! I will not hesitate to seek a private right of action should you fail to comply.
10/02/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	FL 32207	Web
I was not notified/informed about overdue balance of the account by the Original creditors ( XXXX XXXX XXXX Acct # XXXX ) I was notified 8 months ) later on XX/XX/23, XXXX XXXX by email to a email that I no longer use! And with the incorrect information of my residence on the header, if there was a notice Mailed I didn't receive it because the address is incorrect.I then received a phone call on XX/XX/23 by ( Columbia Debt Recovery LLC DBA ( GENESIS ) that I had no knowledge of the debt/balance that I was a Co-signer on and I had not had communication with the other party involved in which he started to be rude by telling me l would be responsible and could be sued for this debt which at that time I explain to him that I was informed by a family member that the other party involved was filling bankruptcy and I had no knowledge of this debt and I was not notified by the original creditors of the balance which I feel I should have been notified of before it went to Collections and given the opportunity to address this matter with the Original creditors
10/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94303	Web
Please see attached CEASE AND DESIST. I initially sent in XX/XX/2022. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you.
09/25/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	WA 98310	Web
They called my wife from a new number, she answered, let them know we get bonuses at the end of the year and can pay then. He ( XXXX XXXX stated that it's being marked as a refusal to pay and that we could fill out a hardship form to avoid this. She stated she'll call them later in the year when we can pay and hung up. Following this conversation, her cell was then called 4 times, my cell 3 times including once where I confirmed it was Genesis and asked they stop calling, text both cell phones, then called my work line - this all occurred starting with the first conversation at XXXX and ending with my " conversation '' with XXXX on my work line at XXXX. I was certainly frustrated with their tactics by this point and told him, roughly, in no uncertain terms, that he could do what he needs to do, but don't call again today, we can pay at the end of the year. The calls finally stopped after this last conversation. I was left so stressed by the event that I felt the need to take action, potentially even with a lawyer in the near future.
01/14/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 34209	Web	Older American
In XXXX of XXXX, my wife and I executed a lease with XXXX XXXX XXXX XXXX, as we were having a home built. The end date was XX/XX/2019. On XX/XX/XXXX I contacted XXXX and said we would be vacating early and chose a date of XX/XX/2019. XXXX accepted that date and agreed to market the home accordingly. They instructed us by email and letter as to how to leave the home on XX/XX/2019. They rekeyed and denied access as they had accepted the home back on XX/XX/2019. Beginning in XX/XX/2019 they claimed we owed rent through XX/XX/2019. I have requested numerous times they correct and in each case they have unilaterally refused. I have offered 3rd party arbitration or court and agreed to abide by any 3rd party findings. They then reported derogatory information to the credit agencies, and I disputed all. My position is that I paid through XX/XX/2019 as agreed and they have unilaterally taken steps to damage my reputation, XXXX XXXX and such. I have attached a portion of my supporting documentation. They took the house back on XX/XX/2019.
02/06/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MO 630XX	Web
I was a tenant at XXXX XXXX XXXX in XXXX, AZ from XX/XX/XXXX to XX/XX/XXXX. The parent company XXXX contacted me 14+ months later, informing me I owed for unpaid co-op utilities & a cleaning fee. I requested documentation of their claim & did not receive it. They told me they have a " ledger '' & it shows the bill, yet this had no verifiable information only typed dollar amounts without my name, no apt , no dates, nothing. The cleaning fee was based on someone's opinion & I received no itemized breakdown. XXXX sent me to collections 2 years & 8 months after I moved out. The collection agency 's answer & reason for the LATE bookkeeping of {$350.00} due, was Covid-19, according to their rep. I had a forwarding mailing address, the same phone # & email. My daughter who was also on the lease & present for the move-out, rented from XXXX in XXXX, AZ & after a year received her security deposit back. XXXX had access to both of us. The collection agency highly & negatively impacted my credit score, which was XXXX away from an XXXX XXXX
08/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 80129	Web
An apartment complex is attempting to collect a debt that is not mine. When I asked for validation of the debt, the company continued to attempt to collect the debt via a phone call a week after my request, without providing the debt validation I requested first. When I asked where the debt validation that I requested was, and that I would like to see it proved to me as my debt, they got very hostile and said they would send it and demanded that I give them an answer of whether or not I planned to pay it. When I said I did not plan to pay a debt that I did not owe, they said that it would be sent to the credit agencies and hung up on me. My understanding is that once I request a debt be validated, they must provide validation before attempting to collect again. Their initial email contact was on XX/XX/XXXX, I asked for debt validation on XX/XX/XXXX. They called me on XXXX to attempt to collect the debt without providing this information. I have yet to see a debt validation letter despite repeated calls to them asking for it.
10/31/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	NC 273XX	Web
XXXX XXXX XXXX XXXX XXXX in XXXXXXXX XXXX sent XXXX a letter on XX/XX/XXXX saying the appreciate me for choosing them as a new home and are sorry to see me go ( I've lived in XXXX for XXXX decade now ). Attached was an invoice dated XX/XX/XXXX for application, admin, and nsf fees due totaling the amount of $ XXXX spoke with the complex and asked them to send me what they have ( app, id, something ) and they refused since i told them this is fraud and I've never applied here. They said don't worry about it and it will be taken care of. I've made a police report about this and several other complexes this girl has applied to, XXXX case # XXXX XXXX case # XXXX. This past weekend I received an email from XXXX saying my credit file has been changed and my score decreased. I opened the email and saw there was an open collections account Columbia Debt Recovery LLC in the amount of {$550.00} for XXXX XXXX date opened XX/XX/XXXX, balance updated XX/XX/XXXX. I am waiting for the bureaus to open so I can call and dispute this once again.
10/30/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94103	Web
I was a victim of identity theft about two years ago, and since then, I've noticed debt collection accounts appear on my credit report every so often. These debts are not mine and I've been able to dispute these accounts and have them removed from my credit report. Recently, on XX/XX/2023, two debt collection accounts from COLUMBIA DEBT RECOVERY appeared on my credit report, which lowered my credit score by XXXX points. I plan on applying for a loan to purchase my first home in the next year, so the effect of these fraudulent debt collection accounts on my XXXX XXXX is distressing. The original creditors on these accounts are XXXX XXXX XXXX ( original balance of {$350.00} ) and XXXX XXXX ( original balance of {$150.00} ). These are both apartment rental agencies in XXXX, Texas. I have never been to XXXX, let alone shop for apartments in the area. I believe these two accounts are related to my past identity theft, and called XXXX on XX/XX/2023 to dispute these accounts. I also submit this complaint to help the dispute process.
10/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 45242	Web
A collection showed on my credit report, otherwise I would never have known about this. My social security number has been stolen and so I have freezes on my credit to stop fraud. However, this collection from COLUMBIA DEBT RECOVERY LLC DBA GENESIS showed up stating I had owed money for living in a XXXX, FL apartment complex. I live in XXXX, OH and own a house with my wife. I've never owned property or lived outside of XXXX, OH. This is clearly fraud and I did not live there. The amount is for {$11000.00} for an apartment called The XXXX XXXX at XXXX placed for collection on XX/XX/XXXX. I have filed disputes with the credit bureaus, which is insane because XXXX has dropped it but XXXX and XXXX won't. Makes a whole lot of sense ... and have contacted both Genesis and XXXX XXXX XXXX. I have contacted XXXX XXXX XXXX several times who won't actually review this info and WILL NOT RESPOND TO ME. I built a house in XXXX of XXXX with my wife where we reside and did not live or reside in the apartments at XXXX XXXX XXXX ever.
05/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	WA 98055	Web
I filed a dispute with XXXX against a collection agency by the name of Genesis Credit Management, LLC., that purchased a discharged Chapter XXXX bankruptcy debt from an original creditor by the name of XXXX XXXX XXXX XXXX, back in XX/XX/XXXX, putting it on my credit report on XX/XX/XXXX, which I'm aware is illegal. XXXX updated me and told me the account is going to stay on my file because Genesis Credit quickly responded, lied and told them the account is valid. XXXX hasn't received my bankruptcy schedules in the mail yet, which should prove my complaint. My issue with this matter is that, I called Genesis Credit today XX/XX/XXXX, and they pretended they didn't know the account was included in bankruptcy. Well I checked my XXXX credit report today, and they've also added Genesis Credit to that report as well. Unlike XXXX showing it as an owing debt, it's listed on my XXXX report under Chapter XXXX Bankruptcy, so this proves their dishonesty. I've enclosed pictures with this message, of this company on my XXXX report.
02/17/2023	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	GA 303XX	Web
Back in XX/XX/XXXX, i misplaced my wallet which had all my information in there including my social security card, my government-issued ID as well as my bank cards. i may or may not have left it at a bar but i, later on, got a call from the bar and was given back my wallet. Since then, i have been suffering from identity theft issues, day in and day out. in XXXX, i did a police report and i have done 2 more police reports since then. this is a troubling issue for me. these accounts are inaccurate and needs to be verified thoroughly US DEPT OF EDXXXX - {$19000.00} reported XX/XX/XXXX US DEPT OF EDXXXX XXXX {$14000.00} reported XX/XX/XXXX US DEPT OF ED/XXXXXXXX - {$8000.00} reported XX/XX/XXXX US DEPT OF EDXXXX - {$17000.00} reported XX/XX/XXXX US DEPT OF ED/XXXX - {$13000.00} reported XX/XX/XXXX This account below i have no knowledge of and it needs to be verified with everything accurate because i never lived there. i have contacted them many times to resolve this XXXX XXXX XXXX- {$6600.00} reported XX/XX/XXXX XXXX
01/05/2020	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TN 37067	Web	Older American
First, I filed a complaint regarding Genesis collection practices and the fact that the debt is not owed. Next, Genesis addressed the issue regarding the debt but the failed to explain their violation of legal collection practices. 1. Genesis has never provided any written communication regarding the debt collection. Genesis only sent documentation once a complaint was filed with the credit bureau. 2. Genesis has phoned and texted my cell number. Genesis has been told if they have an issue to send it in writing. Genesis has not sent any written complaint. 3. Genesis contacted my sibling stating that they were trying to contact me to " help '' me out with an issue. My sibling noted that the call appeared suspicious and told them to call me. My sibling reported the call to me. 4. After telling Genesis to only contact me in writing they have continued to call my cell phone. I am maintaining a log of the calls and the voice mails they are leaving. Genesis appears to think that they are above following FTC guidelines.
03/04/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77433	Web
Genesis Credit Management XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX The named agency above is reporting a collection account to my credit account for the original creditor XXXX XXXX at XXXX. I contacted XXXX XXXX at XXXX with proof that I had to XXXX XXXX XXXX XXXX to XXXX XXXXXXXX and also provided documentation from a legal advocate at the XXXX XXXXXXXX shelter I resided in, however the debt was still sent out for collection which goes against the XXXX XXXX XXXX which states victims of XXXX XXXXXXXX are not liable for debt incurred due to fleeing XXXX XXXXXXXX. I then also provided that same documentation several times to the collection agency I am writing this formal complaint against. I sent notice that they were violating my FCRA rights by reporting a debt that I was not legally liable for being a victim of XXXX. I also sent in the same documentation to support my facts ; however, the company Genesis Credit Management is still reporting this account as a collection illegally even after several notices.
10/27/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive notice of right to dispute	FL 33461	Web
Today, I received notification from XXXX XXXX that a company named Genesis Credit Management added a collection to my file between XX/XX/XXXXXXXX and XX/XX/XXXXXXXX resulting in XXXX points to my credit score. The notice states the original creditor was " XXXX XXXX XXXX at XXXX. '' This is the first and only notice I have ever received in my name regarding this matter. My husband has disputed the debt ( from notices that came directly to him ) since approximately XXXX. It seems Genesis emailed him in or about XX/XX/XXXX and my husband disputed the debt. Genesis appears to ignored the dispute, provided no verification of the debt, then began calling my husband 's personal cell phone. My husband filed a complaint with this agency and has not received any update yet. Since XXXX I have never received any notices, mailings, phone calls, etc., regarding this debt. Genesis has never communicated with me nor provided me an opportunity to dispute the debt prior to adding the collection account to my credit report.
04/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28027	Web
About XXXX recieved invoice from previous apartment. Allegedly I damaged Dirty appliances and Carpet stains. present photos to many people at the management office. Corporate office even their attorney. XXXX at XXXX at XXXX refused to remove the charges staring the Carpet photo is unclear although the appliances and entire apartment was cleaned for immediate turn over. This apartment also charge you for a year lease but make you move out XXXX days before your lease is over.stating a 360 day lease. So they have money for XXXX days that belong to every tenant. But keep charging us/me this facetious fee. I want to Sue them and need help. Need the FCRA codes for these offenses being I contacted the. And Genesis Credit Management LLC who placed this on my credit affer I disputed it and also provided them with photos Icollection agency/XXXX XXXX in XXXX. Their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been trying for months now I am ready to take them to court. Asking for your help again first.
08/13/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	UT XXXXX	Web
Begging in XXXX of XXXX I notified XXXX XXXX XXXX at the address of XXXX XXXX XXXX XXXX, ID XXXX that my identity was stolen and the collection was a result of that. The collection for account number # # # XXXX is not valid. After months of sending letters and calling I sent them a Notice to Furnisher and a copy of my identity theft report and ask them to stop reporting as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I asked them to send letters of their finding and actions. They did not respond and after a couple months took the collect off my credit reports. In XX/XX/XXXX Genesis Credit Management LLC apparently bought that collection. I have disputed it for the last two months and told them that it was due to Identity theft and they have refused to take it off my credit report. They will not call me or mail me any documentations. This invalid collection is interfering with my ability to get approved for the home I trying to buy.
02/19/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 953XX	Web
i have a debt that went into collections from a apartment that i was never sent the bill from. the amount is XXXX, the collection company is trying to charge me interest on this debt, but they never sent me a break down on why this is the case. they never sent me any notices or proof that they sent them out. in the state of California its illegal for debt collectors to charge interest on a debt unless if it was stated in the original contract with the original creditor. this is violation of the fair debt collection act section 1692 this is what the act states " The good news : A debt collector can not charge interest or fees that weren't defined in your original contract. Debt collectors aren't any different from the original creditor when it comes to interest charges and fees. ... That's a rule specifically defined in the Fair Debt Collection Practices Act ( FDCPA ) .XX/XX/XXXX '' i also sent them pay for delete letter over 3 weeks ago and sent several emails and they never respond through mail
07/15/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 397XX	Web	Servicemember
I lived at XXXX XXXX XXXX in XXXX Virginia from XX/XX/XXXX until XX/XX/XXXX. I was charged {$430.00} for damaged carpet replacement and was provided the attached pictures as carpet damage. These pictures do not show carpet damages but normal wear and tear. I contacted the XXXX XXXX XXXX and the company still alleged that I owe them money for the carpet. I didnt accept the company response but the case was closed as the community didnt further respond back. The company has now turned me over to collections and Ive been denied apartments because of this. This is retaliation for speaking up to law enforcement regarding drug dealing in my building and crime and refusal to renew my lease because of such. I was told I have an unsatisfactory rental history which is not accurate. XXXX XXXX and XXXX XXXX are taking retaliation against me for reporting illegal activities within the community and complaining about issues within the community to include a squirrel living in the attic above the apartment.
10/23/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 322XX	Web
Hi my name is XXXX XXXX in around XX/XX/2022 I applied at some apartments called XXXXXXXX XXXX XXXXXXXX XXXX I paid the application fees they processed my application I was approved. But due to an unexpected tragedy i had to decline there offer. I received all monies owed to them for the application process and I did not sign a lease yet in still I have a debt or collection for XXXX that I didn't have any knowledge of until XX/XX/2022. The debt is also on my XXXX and XXXX Credit Report. I would like a specific and verified breakdown of the services and products that I owe them for. And is the XXXX for because they will not process the application with the application and admin fee paid in full. I'm have also sent a dispute with both XXXX and XXXX by CERTIFIED MAIL, also genesis credit management XXXX will also be notified. GENESIS CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX *Phone XXXX Thank you for all your efforts and actions XXXX XXXX
08/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX XXXXX	Web
I a consumer or natural person pursuant Title 15 USC 1692a ( 3 ) contacted Columbia Debt Recovery LLC DBA Genesis Credit Management on the morning of XX/XX/2021 at XXXX XXXX CST. My reason for calling was to seek compensation as an injured party to damages caused by Columbia Debt Recovery LLC. Columbia Debt Recovery LLC has admitted to requesting removal of trade-lines from the credit agencies to which they furnished information to without my consent, there is an attachment in this complaint with that admission. Columbia Debt Recovery LLC has failed to rubute an affidavit which is in the attachments recieved at XXXX on XX/XX/XXXX. Pursuant to Title 15 USC 1692k Columbia Debt Recovery LLC is civilly liable to compensate me any amount for damages and violations against the FDCPA. Columbia Debt Recovery LLC has also violated the FCRA 15 U.S. Code 1681n - Civil liability for willful noncompliance and 15 U.S. Code 1681o - Civil liability for negligent noncompliance.
07/06/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77077	Web
Genisis Credit management company contacted me roughly seven months ago, claiming I owe a debt of XXXX to my former residence at XXXX XXXX. I have since then requested that they sent documentation by email validating this claim. They still have yet produced any form of proof. I have let them know that I am willing to uphold any financial obligations I have attained, However I know that I have already paid in full all rent/utilities/damages, before my move-out date. XX/XX/2021. I have on multiple occasions been spoken too with disrespect by one debt collector in particular by the name of XXXX. The most recent conversation went the worst, he essentially told me to pay them the money so I could get them out of my hair. ( XXXX ) He has also laughed at me several times when I state that I was paid up upon move-out. The company does not call me wanting resolution. I am the consumer requesting documentation so that we can resolve the matter and get it removed from my credit.
02/20/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WA 98198	Web
XX/XX/XXXX, I received an email collection attempt from COLUMBIA DEBT RECOVERY DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX The email was only stating the amount owed. I responded the next day on XX/XX/XXXX with clear language that I disputed the validity of the debt in its entirety. The collections agency did not send me a debt validation letter and continued to pursue their collections attempt and had reported this debt to the three credit reporting agencies which lowered our credit score. I did not receive a debt validation letter until I made a second request on XX/XX/XXXX after I had already disputed this debt with the 3 credit reporting agencies. This agency also ignored the evidence that I had provided contradicting their claims that I had caused damage. This was done in bad faith as I have provided photos showing no damage to our carpets yet the agency continues to claim I had caused damage yet refuses to provide evidence there is any damage to the carpets.
03/31/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA XXXXX	Web
After reviewing my credit profile on XXXX i identified a discrepancy with account listed under XXXX XXXX and validation was requested as this was an account that i did not recognize. I reviewed my credit report again on XX/XX/ and the account continues to reflect on my credit report and i have not received any correspondence from creditor to validated this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/ there have been no updates and account is still reflecting on the report. I do not believe the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account and the from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct
07/17/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WA 98106	Web
In 2018, I was part of an eviction proceeding whereby it was agreed that the eviction would be dismissed upon payment of a total amount of {$2100.00}, which included rent due and lawyers fees. Because the landlord refused the submitted last month rent amount of {$1000.00} in order to comply with eviction laws, they wrote me a check for this amount, which I never cashed. This check is to this day in my possession. There was also a total of {$300.00} deposit paid which should have further reduced this total amount owed to {$790.00}, which I have advised them that I am ready and willing to pay. Genesis, the company which seems to have bought this debt has tacked on about {$1600.00} in late fees to this {$2100.00} figure, with no transparency as to billing or justification. They have repeatedly failed to properly account for the last months rent or provide a billing that either justifies the amount they claim is owed or why the additional late fees have been accrued.
04/18/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TN 37122	Web
I rented an apartment when I moved to XXXX while my house was being built. I had a full security deposit and paid my rent timely. The apartment repeatedly flooded while I lived there because of a faulty refrigerator line and washing machine. The floors were ruined and the carpet and pad was damaged. They never fixed these things. I moved out at the end of the lease. I was in the apartment for approximately 6 months. I left the place clean and they kept my deposit without any written notification. I complained about the water damage which they never addressed. I have pictures of the flooding and damage. I have pictures of the house that I left in good condition. I was never sent any written notification from them that they were keeping my deposit. I was never contacted in writing by anyone that they were trying to collect a debt. I only noticed that there was a problem when I got a notification on my credit report. I moved in XX/XX/XXXX and moved out XX/XX/XXXX.
11/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76226	Web
In early XX/XX/XXXX I was contacted by XXXX about a new debt that was put in to collections. Details below : ORIGINAL CREDITOR : XXXX in XXXXXXXX TX PLACED FOR COLLECTIONS ON : XX/XX/XXXX Amount : {$4700.00} The debt was sold to COLUMBIA DEBT RECOVERY LLC DBA GENESIS ( XXXX ; XXXX ). I contacted them informing them this debt was not me and a result of fraud. They informed me it was a debt for an apartment in XXXXXXXX TX. I have lived in XXXX, TX with my wife since XX/XX/XXXX with documentation and witnesses to prove so. They sent me a packet to fill out which requires 4 things : Proof of residence during the time which the fraud occurred, driver 's license, a filed police report for report number documenting the crime and unit that is fraudulently in my name, and a copy of the FTC complaint notarized on the signature page with a physical signature witnessed by notary. This is my attempt to get the FTC complaint required for GENESIS to remove the debt.
09/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 777XX	Web	Servicemember
Letter to Credit Bureau Dispute information in Credit Report File Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear ( XXXX XXXX, This letter is to serve as a formal dispute regarding inaccurate information contained within my credit report file with your agency. I have identified herein the items that I am disputing : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX The items I dispute are also circled on the attached copy of the credit report file I received. This is ( INACCURATE OR INCOMPLETE ) because I never had an apartment at XXXX apartments in my life, therefore this was fraudulently opened. I am requesting that the items be deleted ( OR REQUEST A SPECIFIC CHANGE ) to correct the information contained within my credit report file. Please investigate this matter and ( DELETE OR CORRECT ) the disputed items as soon as possible.
02/21/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CO 80906	Web
Colorado statute XXXX " No security deposit shall be retained to cover normal wear and tear. '' Two years ago XXXX XXXX attempted to charge me {$170.00} to bring the apartment up to move-in-ready condition. I disputed the charge and XXXX XXXX dropped the issue since we both knew that {$170.00} for a paint crew plus cleaning crew, clearly the apartment was left clean and without damage or it would cost more. Their own pictures show very minor wear and tear for living at XXXX XXXX for about 5 years. XXXX XXXX was sold and now 2 years later, the new landlord, without any notice to me, sent the bill to a collection company who has damaged my credit report by claiming it is past due. I noticed my credit score drop and had to find out why. I informed them the bill was illegal and they responded that my only choice is to pay or my credit score will continue to decline. Holding my credit hostage for an illegal bill is " False Credit Reporting. ''
11/22/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive notice of right to dispute	CA 91739	Web
Genesis reported invalid debt to credit reporting agency in XX/XX/XXXX. I disputed through credit reporting agency in XX/XX/XXXX. Came back verified. On XX/XX/XXXX I called Genesis and asked what this is. They told me the amount and name of original creditor. I told them they must have a mistake. I then filed a complaint on XXXX website. The email they sent me included a brief summary of amount owed and how to pay along with attached bill and apartment lease. This email did not disclose my right to dispute this debt anywhere in it. The claimed debt that genesis is saying I owe was in XX/XX/XXXX. From XXXX XX/XX/XXXX. I never received any sort or communication what so ever from genesis during that period. In XXXX complaint, Genesis even admits that debt validation was sent only after I filed complaint with XXXX in XX/XX/XXXX. I believe Genesis has improperly reported this claimed debt without meeting their obligations under the FDCPA.
11/29/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33418	Web
This is now the 5th police report I have had to file due to my identity being stolen in multiple cities in Georgia. Somewhere between the last few years, someone in Georgia was using my Social Security information to apply for, and open, lines of credit in my name. They were traveling to different apartment complexes who would eventually send their missed payments off to collections agencies. These credit accounts turned into collections accounts without my knowledge of their existence and ended up showing up on my credit reports. I have filed multiple police reports in an effort to have these false collections removed from my credit reports and yet they keep showing up. I have never lived in/nor traveled through Georgia in an attempt to find an apartment or to apply for lines of credit. The most recent apartment complex to add to my list was XXXX at XXXX, who eventually sent off collections to Genesis Credit Management in XXXX WA.
10/12/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95148	Web
Hi I received the Alerts fr my XXXX XXXX coz someone used my Identity getting renting Apt and Utility bills and cables I called the Company I told them I don ; t live in XXXX XXXX I live in XXXX XXXX for almost 35yrs I have stollen Identity theft and that's my problem right I receiving a lot an open an Acct under my names even buying Cars and also they used my DL # I report this to XXXX and changed my DL #. I called the credit bureau to freeze my Acct coz of this Fradulent Acct under my names some of this peoples using or carry my Identity still out there specially I got report one of Collection under Columbia Debt Recovery in XXXX XXXX that I owe almost {$16000.00} for renting a Apartment and also XXXX Debt Collection I owe almost {$3500.00} for Cables and XXXX XXXX XXXX the4 Cpmpany 's is Columbia Debt Recovery-phone # XXXX XXXX XXXX XXXX-phone # XXXX XXXXXXXX XXXX XXXX XXXX AND ALSO A LOT OF NEW CREIDT INQUIRY UNDER MY NAME
02/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA XXXXX	Web
According to the FDCPA, specifically 15 US Code 1692 ( c ) ; this is my formal declaration to terminate and cease all communication from you in regard to the debt you are attempting to collect. In response to the Ceasing Communication Notice, in accordance with the Federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will take place. Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication, confirming your acknowledgment of this letter, is in violation of the FDCPA. In addition, any third party that you use to coerce the collection of this debt shall also be in violation of federal law. If you do not cease communication a lawsuit will be commenced against you. Accounts in question : XXXX XXXX XXXX - {$76.00}, XXXX XXXX XXXX XXXX - {$290.00}
08/11/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	WA 98012	Web	Servicemember
While I was in XXXX on XXXX XXXX with opened my credit card back in XX/XX/XXXX. I didn't use my credit card for while due to training and serving XXXX in XXXX. In early XXXX, I started to check my bank account and saw my credit score went down below XXXX which never use before later on, I check there was a debt collector who tries to sue me that I own them from old apartments which were no longer there. I spoke to XXXX as a manager in XXXX XXXX XXXX XXXX XXXX XXXX XXXX See the statement below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comments Account information disputed by consumer under the Fair Credit Reporting Act
02/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77503	Web	Servicemember
On XX/XX/XXXX I contacted XXXX XXXX, a representative with Columbia Debt recover dba as Genesis, to discuss an attempt for debt collection. XXXX XXXX explained that the balance due was from an apartment community I had lived in. I requested documentation of said charges. Which he provided. I explained that the balance was erroneous and I did not owe any debt. From XXXX through XX/XX/XXXX I have received different documents stating different balances. Two documents are in the same form but with major inconsistencies. One document is signed by the community manager from the leasing office. My balance due on that documents is {$13.00}. The other document states a balance of {$860.00}. That document is not signed. I have emailed Columbia Debt Recovery in an effort to resolve this issue. But they have failed to return my calls or emails. This debt has been reported on my XXXX credit report. I can provide documentation if needed.
08/22/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	GA 30339	Web
Back in XXXX of XXXX. I ran into a breach of peace and enjoyment at the current property due to a mold issue. I was advised that I could cancel the lease without penalty by the GM of the company ( XX/XX/XXXX Via email ). Long as I turn in keys and sign a specific waiver. At the move out time ( XX/XX/XXXX ) of me turning in my keys. No waiver was left for me to sign, I had sought legal representation prior. Due to them not trying to help resolve anything, giving me the hardest time and continuing to drop the ball. I was contacted via email on XX/XX/XXXX that the waiver was ready for me to sign. Iwas no longer in the area and I advised them to send it to my Lawyer to review and I never heard anything else back but I'm now seeing a collection on my credit in the amount of {$4700.00}. I need this removed from my credit asap. This can possibly hinder me from being able to move. im not sure if it was filled as an eviction or what.
10/10/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 28303	Web	Servicemember
I am a victim of identity theft and have submitted a FTC and Police report to the credit reporting agencies, who then forwarded the information over to Genesis Credit Management. Genesis Credit Management has been reporting WRONGFULLY and INACCURATLEY for 1 year. Genesis Credit continues to remove the account from my credit report and then place it back on with an even high balance. I have NO knowledge of this account and have NEVER lived in the state of Colorado. Genesis had REFUSED to acknowledge the information that has already been provided to them. Genesis continues to harass me asking for signature samples which is NOT mandatory when they have received a FTC Identity Theft Report AND a police report and Genesis has CONTINUED to harass me and cause me to be wrongfully denied for credit violating my rights as a consumer. I will be in contact with attorney to pursue genesis in the court of law if this isnt resolved.
06/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07307	Web
I noticed this account by Columbia Debt Recovery or Genesis Credit Management. I read according to the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. I have never heard of this company and have not signed a contracts or documents with this company which made me file a complaint. The price from the email and what's being reported don't match. The business names don't match. As stated previously no documents have Columbia Debt Recovery or Genesis credit management anything on them. As well as a signature on paperwork looks forged, copied, or unrecognizable. By 15 U.S.C. Sec. 1681i ( a )? I heard that if they cant provide proof, of actual validation of debt or actual documents from Columbia Debt Recovery or Genesis Credit Management these accounts must be deleted. Please investigate the following account and remove them if anything is missing or not correct.
05/02/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 794XX	Web
I called several times and spoke to several different representatives all of which confirmed that nowhere on the application was an administration fee which is what the {$150.00} debt they claim I owe which I do not. When I asked for proof of debt they sent a generic receipt. The only fee I was responsible for was a {$50.00} application fee as listed in lease application which was paid and I was denied apartment so I never moved in. The last 3 times I called I asked for a cease and desist and I still continued to get emails. The last call the representative said all he could do was put in a refusal to pay but said my credit will still be damaged because they are reporting. When I said its only on 2 of my reports he said are you sure?? Because we are reporting and its on your credit. All of their calls are recorded so these calls can be reviewed as well as records from me calling numerous times over the past few years
11/14/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive notice of right to dispute	CA 95688	Web	Older American, Servicemember
On XX/XX/2023 I received an email alert of activity related to my credit from XXXX showing a debt collection opened on XX/XX/2023 for {$38000.00} from Columbia Debt Recovery posted to my Experion Credit report. I didn't see this alert until the next day XX/XX/2023 when I checked and read my emails. On that same day, XX/XX/2023 I received another email from MyIDCare showing a debt collection for {$38000.00} from Genesis Credit Management LLC posted to my XXXX Credit report. On XX/XX/2023 I received another email from XXXX showing a debt collection opened on XX/XX/2023 for {$38000.00} posted to my XXXX Credit report. I also received an Account Notification from XXXX of a new account opened in my name by Genesis Credit Management for {$38000.00} on XX/XX/2023. These two companies are connected as a XXXX, neither one has contacted me regarding this collection as required prior to reporting it to the credit bureaus.
11/12/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OR XXXXX	Web	Servicemember
I moved out of XXXXXXXX XXXX in XXXX of 2022. They charged me for my entire security deposit ( roughly {$3000.00} ) and wanted another {$470.00} for damages. I already disagreed with what they did. We left that apartment in great condition and they said they had to replace ALL the carpet which was absolutely unnecessary. I didnt have the willpower to fight them and just dealt with the loss of my deposit. That {$470.00} is not a debt, its a dispute and they legally have to take me to court for that money if they want it. Instead they said it was a debt and sold it to a collection agency. The email I got I thought was fake until XXXXXXXX XXXX sent me an alert about my credit report. XXXX sold this fraudulent debt to Columbia Debt Recovery on XX/XX/XXXX. I dont know what to do. I was finally recovering from my bankruptcy, and preparing to buy a house now that Im finally out of the XXXX. Please help me.
06/02/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	DC 20002	Web
genesis credit management XXXX XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XX/XX/XXXX chargeoff/closed XXXX XXXX XX/XX/XXXX chargeoff/closed XXXX XXXX XXXX XXXX XX/XX/XXXX charge off/closed XXXX XXXX {$600.00} closed and report negative after reviewing my credit profile today .i identified a discrepancy with these accounts listed under XXXX XXXX and validation was requested as this was an account i didn't recognize, i reviewed my credit report and its still reflecting on my credit report. I have not received my correspondence from creditor to validate these accounts as correctly belonging to me. nor has my credit report been updated to reflect that this account is disputed. this account is negatively affecting me.im not able to get loan to try to get house for me and my family. Under fair debit collection practice act ( FRCA ) ( 15USC 1692g ) stating my claim is disputed and validation is requested.
05/09/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33160	Web
In XXXX of XXXX I moved out of my apartment complex ( XXXX XXXX ) in XXXX, XXXX to XXXX XXXX. At the time when I moved out XXXX XXXX management said I was paid up. 2-3 weeks later I got a {$220.00} bill owed to XXXX XXXX. I mailed them a check in XXXX XXXX for that amount. XXXX XXXX has changed ownership several times. In XXXX I got several calls from Genesis Credit Management attempting to collect the {$220.00}. I emailed them a copy of the front and back of the check showing that it had cleared my bank account. They accepted my evidence and said thank you. XX/XX/XXXX-XX/XX/XXXX Genesis is calling me again for the same reason!! I talked to XXXX the manager and he admitted they still hadn't received a response from XXXX XXXX about the payment. Then why do you keep calling me!? I asked. I've proven my side of things. They are harassing me for something I already paid and it needs to STOP!
04/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89084	Web
In XXXX of XXXX someone used my name to apply for an apartment in XXXX. The application was denied based on the debit/credit card information the applicant used when applying for the apartment being declined. On XX/XX/XXXX I was informed that I now have derogatory marks with all credit bureau for this matter. Although, I never applied for the apartment. I have never lived in XXXX. I currently live in XXXX and was living in Nevada when the individual applied for this apartment. My credit has been impacted by something I am not responsible for. I have been informed I have to file a police report and have to submit several documents to Columbia Debt Recovery before they can remove the collections off of my credit. I will be going to the police department today to file the police report and submit all documents they have requested from me to have this cleared and removed from my credit reports.
11/13/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	TN 38053	Web	Servicemember
I have been disputing this company since XX/XX/. I was told that if I produced anything that confirmed my move out date that they would remove the account. On XX/XX/ I sent them 2 emails confirming my move out date, and 2 more emails that I got from the company that owned the apartment complex. They told me I had to wait thirty days for the client to respond if not they will remove the account, this was told to me per their supervisor on a recorded line. I reached out again XX/XX/XXXX, and was told my account was on hold and just to wait the full 30 days. I reached out again XX/XX/ and now Im being told the email from not only the lakes At XXXX but the email from XXXX XXXX the Director from XXXX, the company that owned the property, was not sufficient enough. This company has been violating my consumer protection rights, I can barely sleep Im XXXX and I feel overwhelmed, helpless, hopeless.
09/25/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	AP XXXXX	Web	Servicemember
I lived in an apartment called The XXXX XXXX until our XXXX XXXX in XX/XX/2021. I paid the final payment prior to leaving, and there was no property damage. My last week living there they removed access to the online portal used to pay rent and it was no longer possible to pay anything or see any bills. About one year after this their parent company sent me an email asking for about {$260.00} dollars. I thought they were confused about me paying the final electric bill so i sent them my receipt and asked for more information. They sent a very vague bill just requesting extra rent money but did not m were not clear what time frame or reason for the request so i asked for a detailed bill. They never emailed me again. Now they have sent a debt collector who has requested even more money with no explanation and seems as though it could be a scam. I don't know what to do with them. Thank you
06/16/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	WA 99224	Web
In an effort to acquire a home loan, I was attempting to pay off all collection accounts on my credit report. I contacted Columbia/Genesis Recovery to make an honest effort to pay this off. I told " XXXX '' that I was very willing to pay this debt and wanted to pay them {$200.00} to {$300.00} per month. He told me he could take some of the interest off but he needed the balance in full today. I also asked him if I paid the payments would it show on my credit report that I am making timely payments, he said it wouldn't show on my credit report until it was paid in full. He again refused to take my payments. Today I received a call from a " document delivery '' service from the same phone #, this was obviously an attempt to serve me papers for this account. I am at a loss as to what I can do and feel that it is unfair and unethical for them not to take my payments when offered.
06/18/2021	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75071	Web
On XX/XX/2021, I received an email from the collector that I owed {$1800.00} for an unpaid lease break fee. On XX/XX/2021, I called them to settle the debt. I explained that I was not the only one on the lease, and asked if I could pay half of the amount. They told me that I could make a one-time payment of {$1000.00}, and the debt would be written off. I agreed and paid over the phone. I asked for a receipt by email after, which I never received. When I checked my bank account, I saw that they had charged me the full {$1800.00}. I called them on XX/XX/2021, and asked for an explanation. They denied ever having told me they would accept the {$1000.00}, so I asked them to go back over their last recorded call when I paid the debt, so they could see that we agreed on {$1000.00}. They told me they would call me back as soon as they could, and I never received a call from them.
11/10/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	CA 94706	Web
I received an email from Genesis Credit Management claiming I owe money to XXXX XXXX XXXX in XXXX managed by XXXX without providing any valid proof. However, I have never entered into a leasing agreement with XXXX, nor have I resided in any of their units. My only interaction with XXXX 's leasing office was over a year ago when I inquired about leasing information. At that time, they initially offered me unit # XXXX but later retracted the offer and ceased all further communication, despite my attempts to reach out. Given these circumstances, I firmly reject any charges from XXXX XXXX, as I have never availed myself of their services. I have retained all unresponded emails and records of our previous conversations, which I am prepared to present as evidence if necessary. I assert my legal rights in this matter and expect a prompt resolution to this erroneous claim.
07/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 379XX	Web
I XXXX XXXX XXXX filled out an application for the XXXX XXXX XXXX on XX/XX/XXXX for my son XXXX XXXX. On XX/XX/XXXX I asked about the lease being signed by my son with his name and not mines and told them that was illegal. They allowed him to move in without my signature. My son moved out of the apartment due to multiple rent increases. When we both went and turned in the keys to the apartment and I had the new manager look at the lease and she noticed as well that my signature was not on the lease. Now the collection agency refuses to give me a copy of the lease and saying my signature is on it. Genesis Credit Management LLC is continuing to report false information under my name to all 3 credit bureau. I called again on XX/XX/XXXX and the man was very hostile with me. I need both companies to be looked into for falsely giving out my information to obtain financial gain.
05/13/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77573	Web
Hello, this fictitious debt has been removed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX over the last 5 years the debt collection company now the 4th company to put the same fake debt on my credit so Frustrating I have zero collections perfect impeccable payment history. This company over the last few years keeps selling this fake debt to anyone that will try and collect on it its so unfair unethical and wrong! Please lets stop letting these crooks by trying to intimidate me to pay something I DO NOT OWE! This has gone one long enough how can these crooks get away with constantly reporting the same fake debt over and over and its been removed multiple times. I am so infuriated this has happen yet again. Columbia debt recovery has been harassing and threatening me for weeks they are an unethical law breaking company. I have want yo report them to the highest level please.
10/24/2023	Yes	Debt collection Rental debt	Electronic communications You told them to stop contacting you, but they keep trying	CO 80206	Web
-received email communication on XX/XX/2023 for {$2800.00} -received additional email communication on XX/XX/2023 for {$2800.00} - sent debt dispute on XX/XX/2023 requesting all documentation and a ledger that reflects all charges through time. Requested no further communication through email and all correspondence through USPS, informed them that my consent was never given - received additional email communication on XX/XX/2023 for {$2800.00} - received additional email communication on XX/XX/2023 for {$2800.00} - called XX/XX/XXXX to remind them I had disputed and need the documents. Was informed they were attached to XX/XX/XXXX correspondence. Its not a ledger, but a list of charges with no dates or information. Was told they would not respond via USPS and they were treating it as a cease and desist since I refused email and thats the only correspondence they do.
05/20/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	WA 98055	Web
A company by the name of XXXX XXXX XXXX was recently added onto my XXXX credit report, by their collection agency Genesis Credit Management, as a new collection account three years after they were included in my Chapter XXXX Bankruptcy back in 2016. This same company started harassing me a few months after the filing of my bankruptcy, which I let my attorney know. He insisted that he'd contact them to stop harassment, so I know for a fact that this company is aware they were added into my bankruptcy, which also shows in my bankruptcy schedules. This has also dropped my credit score, so I'm now having to prove to XXXX these same facts. What they've done is illegal, and upon doing research on this company, I learned that they have a history of this devious behavior, and would like to file a complaint. I also plan on seeking legal counsel to sue for damages.
12/12/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32701	Web
Columbia Debt Recovery has been charging interest on this account since they acquired it. My original lease contract does not mention that any late payments will be charged interest on a monthly basis. Lease is attached for review. Please provide proper documentation of a signed contract which would give Columbia Debt Recovery the right to charge interest. According to XXXX, " 15 USC 1692f 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ''
04/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38125	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : 11 XXXX XXXX XXXX XXXX XXXX ... GENESIS CRDT ( Original Creditor : 09 XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
12/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	DE 198XX	Web
I was subject to identity theft fraud. I have had bank accounts opened in my name. Multiple apartments were applied for in my name. Unemployment from various states was applied for in my name. I am still having ongoing issues with this regarding banks and various other apartment buildings in XXXX I only now am starting to get alerts as to how many various ways my details have been used. Please remove the apartment collections it from XX/XX/XXXX. I saw certain inquiries on my report but didnt really pay much attention to them as I thought my details had been sold on to a third party. Please remove any fraudulent inquires from XXXX to XXXX. I have requested a copy of transaction records from each account and inquiry listed and have received nothing from any of them and it has been well over 30 days despite the requirements set out by the FDCPA.
02/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77449	Web
Columbia Debt Recovery LLC DBA Genesis put a collection debt on my credit report before providing proof of debt XX/XX/XXXX. I finally got proof of debt letter dated XXXX. XXXX, XXXX and they provided the final move out statement for money owed in the amount of {$5100.00} belonging to only XXXX XXXX and XXXX XXXX. I was removed from the lease in XX/XX/XXXX due to going to college at XXXX XXXX XXXX XXXX. The final move out statement shows the lease ending XX/XX/XXXX. The debt collector has failed to provide the lease renewal with new dates and rent increase because they know I am not on it. I emailed the apartment management company on XX/XX/XXXX to correct the error and their response was vague. There is no history of the apartment management company reporting late payments from XXXX on my credit reports because I was removed from lease.
11/04/2020	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33470	Web
XXXX XXXX, XXXX acting as XXXX at the XXXX XXXX ( Apartments ) and along with GENESIS Credit Collection are saying a Judge ruled in favor of a collection bill, and this is false, as the small claims lawsuit was brought by my self and was for failure to return return deposit. XXXX XXXX, XXXX is saying the Judge ruled that it was fair to send account into collections and this is completely false. On XX/XX/2020 XXXX XXXX, XXXX mailed me : " Good afternoon Mr. XXXX, Please find attached the final judgment received from the court. You will note that defendant XXXX XXXX XXXX is the prevailing party in this matter. The account is now in collections. You may contact Genesis at XXXX to discuss payment for the balance of {$450.00}. '' This judgement does not give right to XXXX XXXX to send money into collections or to bill me for anything.
01/20/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92618	Web
i was contacted a couple years ago by this place, claiming that if I did not pay them, they would take me to court and presume legal action against me with the arrest. Ive given verbal warnings to be lfet alone to not further contact me however he has not stopped. I took the liberty to call them again and let them know that I did not acknowledge the death and that is an accurate. They are listed under two company names, XXXX debt, recovery, and genesis debt company. id like to have this remove my credit report due to inaccurate information and harassment. also, Id like to include that under the fair credit bureau when a debt collector or third-party debt collector buys a debt they can not put past due seriously past due or anything thing of that matter which voids the collection thats been tacked onto my credit report. Thank you.
03/29/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 78702	Web
Columbia Debt Recovery posted a collection of {$340.00} to my credit report in XX/XX/2022, resulting in a XXXX point drop immediately. I have never heard of CDR, or the company they are claiming to collect on behalf of. They have provided zero notification for this debt ( or any instructions on how to pay it ), and have refused to take or return my calls to remediate since posting the delinquency. I was unable to provide an account number from the billing statement for this complaint even because I NEVER RECEIVED A BILLING STATEMENT. Filed a dispute with XXXX, who has been equally unhelpful. They provided an uninformative statement saying the account was verified ( with no elaboration on what that means or how they verified ), has been unreachable over phone, and told me I could file a complaint with the CFPB. So here I am.
09/09/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WA 98665	Web
Columbia Debt Recovery LLC is trying to collect a debt that is not owned by me.The old apartment sent me a wrong bill of {$300.00} dog XXXX cleaning fee ( which is for a different apartment building ) a couple of months after I moved out. Columbia Debt Recovery LLC tried to collect this debt ( {$300.00} ). I have sent several emails to explain that it is for a wrong apartment ( XXXX ) and my apartment number was XXXX. However, Columbia Debt Recovery LLC told me that they will only remove the record if I pay {$180.00}. Otherwise, they will continue to report it to credit agency even through they know the bill was not for me. In 2021, they sent the report to the credit agency every month even after I sent them the proof of the wrong bill. They told me that I have to pay to clean my record because they need to make a living,
05/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 80234	Web	Servicemember
So I lived at XXXX XXXX and gave them my protection order legally rem, moving me from the lease. They told me I was removed. I got tagged on my credit report for rent owed etc. for the year XXXX I tried explaining to the genesis agents this was incorrect and they said id have to give them the evidence I sent it to them via email this week and have tried to reach back out to the debt representative, but they said he'd call me back. I remember in one conversation the rep discouraged me from talking to the property when I was talking to him saying that companies sign an agreement or something with the property saying they wont talk to the person who owes debt and I can only talk to genesis. I first reached out to Genesis on Friday XX/XX/2022 I sent them all the evidence I had from me and haven't heard anything back at all.
05/14/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77096	Web
I tried to rent an apartment with XXXX XXXX which is under XXXX XXXX. I was all set to move in. My move in date was for XX/XX/2020, but I terminated the lease on XX/XX/2020 because the apartment was completely uninhabitable. I was told I would get a full refund including my deposit which was {$200.00} and first months rent which was {$700.00} totaling in {$900.00}. This was given to me on XX/XX/2020. The apartment never reached out to me after I received the refund. Now, their collections company, Genesis, is attempting to collect {$780.00}. I do not owe any amount to anyone. Genesis has harassed me through mail, calls, and texts. They contacted my place of work, where I can not receive calls, putting my job in jeopardy. They have been contacting me since XX/XX/2020. I have repeatedly told them to stop contacting me.
01/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 08817	Web
Im XX/XX/2022, I was notified by my mortgage company that there was a data breach and my personal information was stolen. I then got a credit alert that there was a derogatory account on my credit. This account was for the XXXX XXXX XXXX located in XXXX, Virginia which was delinquent by {$350.00}. Another account was then opened at XXXX totaling {$2500.00}. At this time, I froze my social security number with all three major credit bureaus and filed a police report with an officer at the XXXX Police Department. I then sent over all the necessary documents ( I.e., proof of address, photograph ID, the police Reports, and affidavits ). Again, in XX/XX/2022, two more derogatory accounts appeared. The first is for Columbia Debt Recovery for a total of {$9000.00} and the second one is for XXXX for a total of {$1600.00}.
10/03/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AZ 85260	Web
Genesis Debt Recovery contacted me by email on XX/XX/2023, introduced themselves, and said they are trying to collect debt. The email stated I could call or write them by XX/XX/2023 to dispute the debt. I mailed them two certified letters requesting additional information about the debt before the deadline on XX/XX/2023 and have not received a response. They have been calling, emailing, and texting me. I've responded to their text messaging system saying " STOP ''. They emailed me again on XX/XX/2023 claiming the debt is now past due. I responded to the email notifying them that I sent letters to their mailing address and that my account should be under appeal. They have ignored my requests and failed to provide me with any other information about the debt they are claiming I owe, yet they continue to contact me.
01/20/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	KS 66062	Web
I have been contacted by " COLUMBIA DEBT RECOVERY LLC DBA GENESIS '' about an alleged unpaid debt to an apartment complex. I have begun disputing the claim, however the debt collector is informing me of a 10 % per annum interest rate. Regardless of the validity of the debt, the initial account was NOT an interest-bearing account, as it was a lease agreement. My first communication to Columbia Debt Recovery included language stating that their attempt to apply interest to a non-interest bearing account was a violation of the FDCPA and requested that they cease attempts to collect extralegal amounts. The subsequent response from Columbia Debt Recovery made no acknowledgment of my statement and continues to include the interest that is being applied outside any terms of my contract with the initial account-holder.
02/16/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	UT 84104	Web
I contacted Genesis Credit Management/ Columbia Debt Recovery requesting information about a collections debt that was placed on my credit but I was never advised I owed an amount. The XXXX XXXX rep XXXX advised there were emails sent to XXXX but there were not any emails sent. XXXX then advised due to COViD in 2020 all collections attempts were paused. They did not receive my debt until XX/XX/2020 so there were no collection attempts after an employee advised there were and the balance has gone up since it hit my credit. I was told over the phone by XXXX a XXXX XXXX agent that she would not do a direct dispute due to me not being their customer. I am trying to rectify this account but the company is not giving me the ability to do so. They are also showing on my credit twice as two different companies
05/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38125	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts I noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the outcome was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ... GENESIS CRDT ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX ... XXXX XXXX that listed on my credit report. Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report that varies between the 3 bureaus. How can one account be opened on different days? I want their alleged accounts in question to be removed from my credit report immediately.
08/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 80031	Web
Columbia debt recovery LLC DBA Genesis has on my credit report a collection status for a balance that according to them i owe the following to copperwood apartments : Original Balance : {$510.00} Current Principal : {$510.00} Interest Due : {$13.00} Total Due : {$520.00} It might be more since its accuring interest. I have asked Genesis for Validation of debt and they havent provided me with proof that this is actually mine. They only sent me a contract. The contract doesnt validate this debt since according to genesis this amount is owed for some moving expenses for a toilet paper holder and a tub- Which i do not recall and have asked them to prove to me this debt. They did not respond to my letters or emails. So i need help getting this resolved since it is messing up my credit report real bad.
06/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32246	Web
An apartment was rented that had began leasing on XX/XX/XXXX in my name. I was unaware of this until Saturday, XX/XX/XXXX when I received a notification that a collections account was added to my credit report. It is in the amount of {$24000.00}. I contacted the debt collector and they gave me a list of items to provide to prove that this is identity theft. This is the third apartment that has been rented using my identity in the past year, and the debt collector mentioned having a fake drivers license and paystubs in my name as well. I live in a completely different state than all 3 of these apartments and am trying extremely hard to remove them from my credit report as well as have these individuals handled properly as this is criminal behavior. I have since gotten identity theft protection.
11/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28216	Web
My personal information was stolen XXXX, a police report was made, and a fraud alert was placed on my credit profile. Recently I attempted to obtain a line of credit and realized that XXXX accounts that I have no affiliation or knowledge of has been placed on my credit profile. I requested account verification, and this will now be my XXXX attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating USC 1681B. ACCOUNTS LISTED ARE : 1.GENESIS CREDIT/XXXX XXXX XXXX, the account balance is {$4900.00} ( not sure when opened ) 2. XXXX XXXX ( account is dating back to XXXX ) and unsure of the balance I also have an inquiry listed for a company called XXXXXXXX XXXX from XX/XX/XXXX
07/20/2022	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	WA 985XX	Web
On Thursday XX/XX/2022 Columbia Debt Recovery LLC DBA Genesis phone number XXXX contacted againt my work place XXXX XXXX XXXX in XXXX WA for the second time and talked to a security guard in the control center about my personal information. XXXX policy prohibited phone calls from collection agency or soliciting company. Also FTC considers a collection telephone call to your work place from a creditor unfair or deceptive act. The representative from this company XXXX XXXX is calling to my work place several times. I told him that STOP calling me instead use email, but he continues to do his bully job. I meet with my supervisor about these two phone calls. Next time will be a mark in my employee file. Also, I told XXXX XXXX that I work in a XXXX XXXX please respect the XXXX and co-workers.
11/09/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 78221	Web
I moved out of this property in XXXX of XXXX. Everything was good on our end and the lease was completed. I received a collection notice on my credit report for the amount of {$150.00}. I have no knowledge of any outstanding charges when we moved out and paid our final balance. We moved out XX/XX/2022 and this charge was from XX/XX/2022 on the proof of collection I received. A payment was made of {$150.00} in XX/XX/2022, but was returned XX/XX/2022. This was shown under the name of one of the roomates. I, have no knowledge of any of this going on. This should not be a collection on my credit report. I tried contacting the property to get some insight on what was going on, but it turns out they are not managed by the company that was in control when we lived there. That company was XXXX.
11/07/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	FL 33881	Web
I was just checking my credit report because Im working on fixing my credit since Im planning on buying a new home. Then I see the Genesis debt and I tought it was hospital bills and I remember I saw this genesis debt always sending me emails but, I ignored them since I know now the scammers do anything. Then since I saw it on my credit report I called them to know whats going on and they told me it is from the XXXX XXXX and I dont even know where that is and the guy told me that I lived there and owe them 2 months and I was XXXX off because how can I lived somewhere I dont even know? And he told me I can dispute it if I believe its a false information then I said yes I would love to. And thank you in advance, I would like to dispute this false information. I have never lived there.
08/01/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	CO 80538	Web
The government paid the full year of rent to these people due to COVID-19 pandemic assistance and they then served me paperwork to have my family evicted right after because they were planning on having that apartment updated even before we moved in. But the corporate office gave us a deal for that apartment instead. I went to the court house and signed papers to move out and not owe any money for anything pertaining to this property. And if they had any problems they were to contact my insurance company that they have us all get. The head office in XXXX sent me a letter of recommendation letting people know that I did lived there and owe no money, along with XXXX county court house, and the XXXX state courts. This all took place in XX/XX/2021. All documents are in the XXXX courts
05/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30341	Web
I am a victim of identity theft and this debt is not mine. I have police reports and detective narratives explaining that someone who was not me- opened an apartment in my name refused to pay and then exited the community. The suspects gender and physical description supports and proves that this debt is not mine. This suspect opened an apartment leasing contract with the XXXX at XXXX XXXX under my name without my knowledge or consent, then failed to pay their obligations. This debt is not mine and needs to immediately and permanently be removed from my credit files at all three bureaus. Im signing this to acknowledge and emphasize my complaint as a victim of identity theft who has never lived at the XXXX at XXXX XXXX. This debt and collection sought by XXXX XXXX is not mine.
12/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 64063	Web
Pursuant to 15usc 1692c. ( c ) I am notifying you in writing that this is not my alleged debt and I am demanding that you cease all communication with me through any and all mediums. My credit report is a medium of communication. I am invoking my specified remedy as a consumer, and the original creditor I am demanding the following : Pursuant to 15 USC 1692c. ( c ) ( 2 ) Zero out the balance on this account Delete account from all consumer reports Your company can purchase this alleged debt. However, you can not purchase my information. You are infringing on my right to privacy which is a federal violation. I have the resources to take this as far as needed. I will not hesitate to sue if this is not resolved. Best, Without prejudice, all natural inalienable rights reserved.
12/07/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	WA 980XX	Web
The alleged debt is a fraudulent charge. The property management claims the apartment needed a cleaning, I submitted video evidence of the entire apartment cleaned thoroughly. The property management team charged my entire deposit to clean then and subsequently the remaining utilities were not covered. They owe me money. The debt collector lied after I submitted the evidence of the apartment being clean and said that I was not being charged for cleaning like is stated on the ledger sent by the property management, but for " sanitization '' which I never agreed to in my lease. They stated that even if the apartment was clean that I still have to pay for the sanitation. The charged is fraudulent and the debt collector has lied about what exactly I owe and why I owe.
06/08/2023	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	PA 19145	Web
Account # XXXX To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$18000.00}. This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion.
10/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 275XX	Web
My employees moved out of the apartment 3 days before the end of XX/XX/XXXX due to continued infestations of roaches and other pests and lack of maintenance on the apartment. This was an issue since move in. Apartment company allowed us to leave and sent a confirmation email stating the account was closed due to circumstances and they would contact us if anything further was required. Never received any follow up even after requesting. Four months later they put a negative score on my credit for not paying the month of XX/XX/XXXX and in XX/XX/XXXX was contacted by Columbia Debt Recovery DBA Genesis Credit for debt recovery. I never received emails or letters of the proceedings while having proof the account was closed. I need this removed from my credit completely.
10/18/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	MA 021XX	Web
Per complaint : XXXX COLUMBIA DEBT RECOVERY LLC DBA GENESIS sent me an email on XX/XX/XXXX, at XXXX XXXX, with the subject " Initial Notice ''. The email opened with " Columbia Debt Recovery LLC, dba Genesis is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX XXXX XXXX We will use any information you give us to help collect the debt. '' This email was asking me to settle a debt of {$570.00} and that this account bears an interest of XXXX percent per annum. They then shared the attached documents ( A document named statement and lease ) which do not address why I owe this amount. The 'statement ' shared does not state the date of origination, authorizing party or business that generated this said statement, or why I owe these amounts.
05/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	ME 042XX	Web
I found a debt on my credit report that was placed in collections that I didn't recognize. I called the company after finding their phone number online and asked what the debt was for. Genesis Collections told me it was for an apartment or room rental somewhere in Texas, which I've never been to. He read off the email, home address, and phone number on file from the company XXXX XXXX XXXX that the debt was from and none of it was my information. They requested that I file an FTC report and have a notarized copy sent to them along with a police report and proof of identification and residence. I have just sent them the police report and proofs of residence and ID. The amount of debt is for {$280.00} and they said it definitely sounds like identity theft to them.
11/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 34208	Web	Older American
The problem is this company has been bought at least twice it was deleted from my account originally upon the Genesis credit Management it is still on the XXXX and the XXXX credit reporting agency I have tried to dispute them several times and each time I dispute it was a different collection company it was originally disputed up on the Genesis credit management and was deleted due to being fraudulent then it changed to The summit at XXXX on the account now it is Columbia debt recovery and they just keep updating it when I dispute it but like I said it was originally deleted up on the Genesis credit Management and the amount is the same {$1300.00} I have proof that it was deleted off of my XXXX account they reviewed it and determined that it was fraudulent.
03/28/2022	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	VA 22601	Web
A company called CRG ( I am assuming it's Columbia Recovery Group from my internet research ) leaves one to three ringless voicemails per day on my phone threatening to come to my house or place of employment to " collect a debt. '' They've been calling daily for at least six months. They've threatened to contact my supervisor and to have me arrested in front of my coworkers. I called them and told them I'm onto their scam and to stop calling me, but they won't. I asked the person who answered what kind of company they were and where they were located, but all the woman would say is " we're a litigation firm '' and proceeded to tell me off about why I had no right to know what their address is. My phone number has been on the Do Not Call Registry for years.
06/15/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL 33647	Web
Genesis credit management is based out of Washington so they shouldnt be even trying to conduct business where they are not registered to do so. Second they are a third party company that has bought my debt without my consent through XXXX XXXX at XXXX XXXX which is identity theft. Last but not lease the 3 credit bureaus have also put inaccurate information on my credit report in columns : account #, date opened, last reported, and date last active. How I kno they are incorrect is because everything is suppose to be the same across the column for all 3 credit reports, in which they are not. Also as a consumer I know that each violation on the credit report results in reimbursement of XXXX $ in which I will be demanding as well as it needs to be removed.
08/01/2023	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	NC 28208	Web
First attempted to send debt validation letter to company. Letter was sent on XX/XX/2023 and company responded more than 30 days letter and only responded because I reached out to you all. Attempted to call the company on today XX/XX/2023, and when asked to speak to a supervisor, spoke with XXXX XXXX, who I believe may be the only supervisor, and who began to laugh when I explained the issue to him, and how I sent the letter via mail and began to raise his voice, and use profanity while on the call. When asked for his name again, he said youre close and mocked me and began to laugh again, stating whoever you want to report to its only one XXXX here so theyll know. I also asked if they was a manager over him and he stated no and disconnected the call.
02/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21113	Web
I co-signed a XXXX lease with XXXX XXXX XXXX XXXX XXXX. About 4 months into my lease, my apartment started to experience numerous issues, water leaks, pest infestation, air condition not working, heat not working, bathrooms not accessible unauthorized entry into the apartment by the leasing staff. I have several emails of complaints and notices where my XXXX XXXX XXXX has to constantly visit the doctor due to the dust from the numerous ceiling repairs. On XX/XX/XXXX I informed the apartment of my intentions to break the lease and move out when I get another apartment in writing ( I have proof ). And I got a house in XXXX and moved out. They have now forwarded the last months rent to collection without my knowledge claiming bridge of contract.
08/21/2021	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91316	Web
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional XXXX They dont respond to my disputes and keep verifying this fraud to the credit bureaus. They are also reporting the same fraudulent account with two different collection agency for the same fraudulent account the same amount.
08/21/2021	No	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91316	Web
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional XXXX They dont respond to my disputes and keep verifying this fraud to the credit bureaus. They are also reporting the same fraudulent account with two different collection agency for the same fraudulent account the same amount.
03/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33317	Web
XX/XX/XXXX submitted dispute with XXXX regarding COLUMBIA DEBT RECOVERY XXXX XXXX GENESIS, that is listed on my credit report. When my son first received the email from Genesis on XX/XX/XXXX there was not an itemized list of what amounts represented, there was indication of date owning there was just a final total of {$7100.00}. I never received an email only my son received. We were co applicants on the lease. XXXX XXXX leasing employees only sent emails to my son. I wanted verification that the amount listed as owning was accurate and from what period this amount is dated. XX/XX/XXXX I received notification that the balance was correct. Which does not address my issue with validation, no information on dates, what charges represents.
02/15/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 186XX	Web
I recently received a copy of my credit report which showed an account balance of " {$5400.00} '' from " Genesis Credit Management '' which I do not recall authorizing. I understand that an account should not show on my credit report if I have not authorized it. Please have this inquiry removed from my credit immediately as it is making it difficult for me to acquire credit. I have reached out to the company via email for verification of a signed contract agreement with them, which they have not provided. They also have repeatedly called me regarding this alleged debt. According to the fair credit reporting act, section 609, ( a ) ( 1 ) they are required by federal law to verify through physical verification of the original signed contract.
12/08/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive notice of right to dispute	CA 91739	Web
Columbia debt recovery is not addressing the following : Columbia debt recovery did not send debt validation in the time frame required under the FDCPA. Columbia debt recovery reported this debt to credit bureau in XX/XX/2023 and then sent debt validation letter in XX/XX/2023. Debt validation letter fails to disclose my right to dispute this debt as a consumer. Columbia debt ALSO reported false information to credit reporting agency that account was disputed by consumer on XX/XX/2023 when I never previously disputed this because I was unaware of this account. Quoting Columbias own words here : validatation was sent in XX/XX/2023 as that was around when we received THE FIRST dispute request for documents. Proof of these documents attached.
05/24/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	FL 32811	Web
We are living at XXXX 's XXXX for XXXX and decided to do month to month basis because we are looking for another place to rent. It was XXXX XXXX XXXX to XXXX. We cleared everything and gave them the 60 days notice 2 months prior to our contract. XXXX from Columbia Debt Recovery the amount of XXXX is filed as a collection debt in our name. We keep calling the collection and they can't do anything about the debt. We called the manager of the property and until now they couldn't solve the issue. Now that we are need of an apartment we can not get approve because of the record that is showing as a collector. We have voice recorded line as a proof that we try and try to resolve the issues. And also the 60days notice before leaving the property.
03/10/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92620	Web
I rent a apartment in XXXX XXXX XXXX XXXX : XXXX. When I moved out, I cleaned up my room and utility appliances with a professional standard, All rooms carpet and appliances very clean and spotless. Based on lease contract item 20 Cleaning, I had a professional cleaning for all Utilities appliances and carpet and leasing Office staff checked and very satisfied, so XXXX XXXX XXXX had no reason to charge a carpet {$70.00} and cleaning {$160.00} for me. XXXX XXXX XXXX was managed by XXXX. XXXX sold the debt {$210.00} to COLUMBIA DEBT RECOVERY LLC DBA Genesis I tried to contact with XXXX and XXXX XXXX XXXX, and Genesis through XXXX, but all they didnt respond. This is a invalid debt collection. I attached all documents related this case.
01/17/2023	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	GA 30062	Web
I moved out of my apartment complex ( XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. I received a Final Account Statement that stated I was owed {$95.00}. I received the {$95.00} by check in the mail. I contacted XXXX XXXX XXXX XXXX XXXX to confirm that I did not owe anything further. They confirmed. Fast forward to XX/XX/XXXX XXXX XXXX after my lease was over ) I was contacted by XXXXXXXX XXXX XXXX claiming that I owe them XXXX on behalf of XXXX XXXX at XXXX XXXX for unresolved payments. I received no notice in the mail/e-mail, until XXXX XXXX XXXX called . When I called and talked to the apartment complex they had no information on why these chargers would exist. The XXXX XXXX XXXX has not sent any notification and I believe this is a scam.
12/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 70601	Web
Around the time that I turned XXXX XXXX XXXX on XX/XX/2020, my XXXX sibling XXXX XXXX obtained my social security card and was able to rent out three apartments to strangers. I was never aware of the situation until I tried to get my first apartment just to be told that I've had three previous evictions on my credit. if you pay attention to the time frame there's absolutely no way an XXXX woman should be able to afford three aprtment complexes. They've never seen my face nor my legitimate information so I'm confused as to how this went on for so long and they were unaware, or maybe they simply just didn't care. I need this removed from my credit because it has been hindering me from flourishing in my life and I'm now XXXX years of age.
08/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33024	Web
I'm a victim of Identity theft. It all started about two year ago, when a lawfirm from Virginia called me to verify an application to lease an apartment. I told them I never apply to lease an apartment. And at that moment they new someone was using my personal information to commit fraud. So I immediately contacted the law enforcement at that state to report it. I also contacted the diferent credit bureau to freeze my credit. After a while I started getting calls from debt collectors telling me that a owe $ XXXX to $ XXXX. I told them someone else is using my personal info to commit this frauds. They requested more paperwork from me and that's what I'm doing now to proof my self that I'm not the person causing these debts collections.
07/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MA 024XX	Web
At XXXX this evening I was contacted by XXXX at ( XXXX ) XXXX. An internet search says the number belongs to a bill collector company called Genesis Credit ManagemenXXXX in XXXXXXXX XXXX He asked if I lived at ( XXXX... ) which is an address I don't live at. He mentioned that there is an outstanding charge of {$15000.00} in my name. He also called my father on his cell phone asking where I lived. This is completely inappropriate. I have been the victim of identity theft in XXXX and again in XX/XX/XXXX. I was alerted that a credit card was attempted to be opened in my name at XXXX, so I filed a fraud alert back in XXXX with the credit bureaus and my credit is frozen. Whoever charged the {$15000.00} dollars in my name was not me.
11/05/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	NJ 076XX	Web
The claims that XXXX XXXX has on me aren't valid. They have been charging me for months I was not on the premises. Below, see the attached document proof from other organizations that you can not only reach to validate but also confirmation from XXXX XXXX themselves that I left XX/XX/2023. They clearly messed out by removing me as a renter, and because of someone's screwup trying to have me pay what I don't owe, I'm not paying because it is not right, especially at these times. Flat Rate will show. i left XXXX will show what i rented with a friend, XXXX will show i lost my job during that time, so i had to leave. Proof of signed paperwork was something i did with them to get out of the lease break because of my job loss.
10/09/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	MA 021XX	Web
I received an email from Columbia Debt Recovery LLC, dba Genesis ( XXXX via XXXX ), on XX/XX/XXXX, at XXXX XXXX, with the subject " Initial Notice ''. The email opened with " Columbia Debt Recovery LLC, dba Genesis is a debt collector. We are trying to collect a debt that you owe to RESIDENCES AT THE TRIANGLE. We will use any information you give us to help collect the debt. '' This email was asking me to settle a debt of {$570.00} and that this account bears an interest of XXXX percent per annum. I requested the details of this debt, in writing by certified mail on XX/XX/2023. USPS tracking shows the mail has been delivered but the return receipt has not been sent back. I have also not received a response to this letter.
11/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 85224	Web
I was alerted by one of my creditors that something was happening to my XXXX credit report, it is reporting a delinquent account that does not belong to me. Can you please help me investigate this and help me remove this from my credit report with all three credit bureaus, please? Columbia Debt Recovery - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, WA XXXX XXXX XXXX ( Original Creditor ) - XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Collection Account Account # XXXX XXXX amount {$4700.00} past due as of XX/XX/XXXX Original {$4600.00} Terms XXXX Months Please help me, I am a victim of identity theft and have been having issues with fraudulent accounts on my credit reports since XXXX. Thank you so much for your help
06/04/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 78665	Web
After reviewing my credit report, I noticed GENESIS CREDIT MANAGEMENT at, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, WA XXXX, PHONE # ( XXXX ) XXXX, Has a collection account on my credit report in the amount of XXXX XXXX The collection has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature on it. In accordance with the fair credit reporting act : GENESIS CREDIT MANAGEMENT, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
12/07/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77055	Web
For the past 3 years, I've been having to dispute apartment collections in Georgia as a result of identity theft. I've never lived in Georgia. This keeps happening. I submitted my police report, my statement, my ID my social to the debt recovery company. I've contacted them multiple times and they keep saying they are looking into it and they'll get back to me but they never get back to me and don't make any progress in the dispute. They are not being honest and not really disputing, they are leaving it open in hopes that I will just pay it. I will never pay it. It is not mine to pay, nor my fault. The fault is the apartment company who was complicit in a criminal using my social to rent one of their apartments.
01/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60621	Web
I was contacted by a debt collection company to pay a debt that I knew nothing about. The debt was in my name as I believe a lease agreement but I did not live there. the date it was sent to collections on XX/XX/XXXX however I recently purchased a home on XX/XX/XXXX and before that I lived at my mothers home. I told the collections company this was not my debt which then they questioned the validity of my response multiple time which led me to hang up multiple times. It was not until I saw the collections on my credit report where I took action. I called them back to tell them it was not me debt which they then sent me an email ( after a very rude phone conversation ) on actions to prove its not my debt.
02/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33436	Web
After receiving a recent copy of my credit report I noticed, a company shown as : GENESIS CREDIT MANAGEMENT was reported to my credit report per XXXX XXXX I have never signed any written agreement with them. Nor never heard of them. Upon further research, debtors ' creditor did not verify this collection, also there was NO written form of communication/contract or written signature for this accused debt at ALL. A bill without a ( written ) signature does not validate the debt as anybody can send a bill and say its mine. According to FCRA, this company has violated my rights as a consumer and I'm requesting legal actions to remove this fallacious account to be removed from my credit report immediately!
06/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 600XX	Web
In XXXX of 2022, I noticed a debt from Columbia Debt Recovery of {$420.00} on my credit report. Upon investigating this debt, I found that it was done for an apartment rental property application in XXXX, Georgia. However, I am not a resident of Georgia, nor have I filled out such applications to move there. This is a fraudulent activity done using my personal information. During this time, I also received a letter in the mail as lost and found which was a fake drivers license under my name, using my personal information but had someone elses picture to it. This shows that someone has been using this fake ID to make purchases under my name. I have attached the fake ID to this form for your reference.
03/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70119	Web
I received a call from COLOMBIA DEBT RECOVERY DBA GENESIS on XX/XX/2022. A rep for the company stated that " I have a past due balance in the amount of XXXX for an apartment lease with XXXX XXXX XXXX ''. I notified them that I am not the individual whom they are looking for and i requested that they validate that they have the correct individual by verifying the name, social security number and Dob And drivers license number. The confirmed that the LICENSE PRESENTED AT THE TIME OF THE LEASE SIGNING WAS NOT MY LICENSE. However, the social that they were presented with was my social number and dob. I requested for them to reverify and remove this fradulent account from my credit report and they denied.
09/21/2020	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92154	Web	Servicemember
I received an email from Genesis debt collectors on XX/XX/20 that I owed a debt. I was then called one single time by XXXX XXXX while I was at work on XX/XX/20. On Friday XX/XX/20 she called my place of employment 3 times trying to get ahold of me. I told her that I was unable to talk at that time and I would call her when I got out of work after XXXX XXXX. When I called her after work she proceeded to attempt to force me into placing the $ XXXX debt on my credit card in order to save my credit and I didnt qualify for a payment plan as I have not personally been effected by COVID-19. She then proceeded to bully me into gathering my card number and information and post-dating a payment for the debt.
11/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC XXXXX	Web
I went to XXXX XXXXXXXX to rent an apartment. After filling the necessary forms ; I was approved and scheduled a move in date. But before I could move in, XXXX curiously rescinded the approval while it took my {$600.00} through my account with XXXXXXXX XXXX. I disputed the charge through my bank and had the {$600.00} refunded to my account. I wrote to XXXX requesting that they desist from further collections as I was misled by their management. Now same XXXX has through a XXXX XXXX XXXX XXXX is listing the {$600.00} as debt owed ; when there is no such debt. I want this resolved ASAP as this fraudulent claim by XXXX is negatively impacting my Credit Rating. Thanks. Sir XXXX XXXX XXXX
10/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 22314	Web
I was contacted by Genesis this year about an unknown debt thats not mine from XXXX. Im not sure how they received my contact information. The debt theyre saying I owe, they have no proof of signature. I reached out to the company that alleged I owed this debt and they confirmed the debt wasnt mine and dont know how or why anything was sent to Genesis. Ive sent a certified letter to Genesis to show proof the debt is mine, and without proof asking for a cease and desist confirmation to have this removed from my credit report. As a result of this erroneous debt, my credit score has dropped XXXX points. Ive always taken pride in my excellent credit score and because of this its no longer excellent.
08/28/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	CA 91709	Web
During the months of XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020, this company continues to deleted their collection off my credit and then have it hit me credit again a few days later. This company does this several times per month. This company has resulted in over 100 points being deleted from my credit for deleted and re-adding. Ive discussed with them numerous times that Im a social security XXXX recipient and unable to pay this debt, and they continue to threaten to take me to jail and seize my bank regardless of my income source. This company contacts me over 25 times per week, and continues to use vulgar and inappropriate language towards when we discuss via telephone.
11/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33487	Web
I find out new collection account from GENESIS CREDIT MANAGEMEN. Original name : XXXX XXXX XXXX. ( opened : XX/XX/2023 ) in my credit report with XXXX. I never had any deal with that company. First of all, I asked this company to prove to me that this is my debt and they didn't. If they can't verify my information, please remove it from my credit report immediately, i know it has to be remove in 30 days. If they can verify that it is my account please provide : method of verification, original contract with my sign and SSN number. Only if they will provide it, it can be verify! But i am sure they can't! This is not my debt, remove this account from my credit history. This is hurting my credit.
01/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 346XX	Web
Hello, I was part of a XXXX data breach, my SSN was exposed and since then I've had multiple issues with identity theft. This debt is not mine. It took Place in NC and I live in FL. I have submitted disputes with credit bureaus and in the process of submitting fraud alert with the collection agency involved. This has hurt my credit multiple times from unknown debt that goes to collections without my knowledge. Original Balance : {$280.00} Current Principal : {$280.00} Interest Due : {$5.00} Total Due : {$280.00} ORIGINAL CREDITOR : XXXX XXXXXXXX XXXX PLACED FOR COLLECTIONS ON : XX/XX/22 XXXX XXXX XXXX XXXX DBA XXXX XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : XXXX MONDAY-FRIDAY XXXX TO XXXX PST
10/14/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 618XX	Web	Servicemember
I was charged a fee that has no contractual obligation by XXXX XXXX XXXX in XXXX XXXX I owe them a portion of the debt, but XXXXXXXX XXXX of the XXXX XXXX debt was added despite the fact that I followed the contract when leaving the apartment. I performed the actions required by the lease, and inquired about any steps not mentioned in the lease. I was ignored. When Genesis contacted me, they would not investigate my claim that I did in fact follow the letter of the contract, and told me that they would not communicate via email, even though XXXX XXXX XXXX XXXX. They are hurting my credit and misusing the credit reporting system. They currently are refusing my request for the recorded call.
07/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75038	Web
I applied to this company to lease an apartment with them during the Pandemic. I was not allowed due to XXXX restrictions, to see the unit. I paid the application and move cost online and picked up the keys at a mailbox. My first day moving in, I found the apartment was infested with roaches, dust and spider webs. I sent pictures to management and advised that I would not be moving in. Most of my application fees and deposits were returned, less rougly {$150.00}. After two months, I received this bill from the apartment complex, stating I owed {$97.00}. I spoke with the manager, and was told not to worry about it ; this was over three years ago. Now this has appeared on my credit report.
06/05/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	OH 448XX	Web
I checked my credit report on XX/XX/XXXX and I seen that I had been turned into collections for an apartment that was leased in my maiden name. I have been married for XXXX years. They leased an apartment in my name ( XXXX XXXX ) in XXXX Texas. The name of the apartment is XXXX XXXX. It says that I owe a total of {$8500.00}. I have never been to Texas nor do I know anyone who lives in this state. I have reported this to the XXXX main credit bureaus, filed police reports, reported to the Ohio Attorney General, and the Federal Trade Comity. I can send you guys all of my information including proof of address, ID card, police reports, and my notarized signature. Thank you. XXXX XXXX XXXX
11/30/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 75077	Web	Servicemember
Someone fraudulently entered into a lease arrangement with XXXXXXXX XXXX in XXXXXXXX XXXX using my SSN, TX Drivers License, Current Address and DOB. Move in date was XXXX on the applicant is 100 % not mine. I have never been to XXXX XXXX nor lived in XXXX in general. I have visited XXXX one time in XXXX for work. But never ventured to XXXX. XXXX is the is the parent company or managing company of/for XXXX XXXX was entered XX/XX/XXXX. I have never received any correspondence from XXXX or XXXX even though they have my current address listed as prior address. Collections was entered XX/XX/XXXX for the amount of {$12000.00}. The debt is fraudulent and caused by identity theft.
02/08/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	WA 98311	Web
XXXX XXXX XXXX XXXX sent charges to Genesis collection agency on XXXX. I was not aware that these false charges had been fowarded to the collection agency. Until XXXX when I went to buy a new car, at XXXX XXXX XXXX XXXX and was told there was an alert put on my report. I was denied for purchase of a car at XXXX percent because my credit score was XXXX. Also i have been denied housing because of this.I contacted Gensis by mail on XX/XX/2019 with explaination. THis is all in retalition due to me fillng human righ commision claim. They still have not provided me with all the original blls, that all say estimate.Nor have they put a dispute on my account or removed from my credit report.
01/09/2020	Yes	Debt collection Other debt	False statements or representation Told you not to respond to a lawsuit they filed against you	AZ 85021	Web	Older American
I rented an apartment at XXXX XXXX XXXX in XXXX XXXX, California. The leasing agent, XXXX, who represented XXXX XXXX XXXX took {$800.00} of mine stating it was for XXXX cat fees of {$400.00} each cat and deposited it in her personal account as told to me by a detective in the XXXX XXXX Police Department. The eviction notice was also tampered with because my copy stated the day before the sherriff 's office copy resulting in loss of property. I contacted XXXX XXXX and they refused to respond. They sold this to Genesis Credit Management LLC and there is {$11.00}, XXXX that they state I owe for breaking the lease. I can gaurentee you that apartment was rented less than 1 week later.
02/19/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 337XX	Web
The first time an collector called me regarding my account. She told me that this debt would increase and add interest and would negatively impact my credit. I asked her for detail regarding my lease and contract, and told her that this debt could not be increased and nothing in my contact stipulates that. She said that they can do that and will if I dont pay. They have increased my debt multiple times within the past two months and my debt was a rental collection, and i dont owe that amount to my original debtors. This is unfair and she use threaten language regarding my credit score decreases and have since decrease my score by raising the debt owe please origination amount.
03/03/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	VA 20171	Web
Dear Bureau, After I moved out from My previous apartment few month ago they sent me the XXXX moved out bill with unfair fee and fee not even suppose to charge on the XXXX moved out bill but the some transaction they owed me they never refund. After I received this billed i sent email attached the letter to explained and hope they will correct the amount in the bill then send me the correctly final bill while I am still waiting this collection company flag the collection this incorrect bill on my credit report. to correct the bill I filed the complaint with HUD already as the complaint attached I would like Bureau to help me dispute the incorrect bill from my credit report.
04/21/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AL 352XX	Web
XX/XX/XXXX- Discovered on my credit report that the debt collector, Genesis Credit Management , LLC had reported a {$1600.00} debt to all three credit bureaus. Prior to that, I have not spoken to, nor received any mail or communication about this debt from Genesis Credit Management LLC. I was completely unaware that the debt would be turned over to the credit bureaus. I was not given a chance to verify, nor dispute OR been notified that I could dispute the debt. I was completely blind-sided until I saw my credit score. I was also not aware that this debt would be turned over to collections ( Genesis Credit Management ). There was no contact throughout the entire process.
10/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CO 806XX	Web
XXXX who owned the pines at XXXX XXXX sent me a notice that I owed money after they applied my deposit to damages at the apartment I rented. I sent back evidence that the report they gave me was false and had information I could disapprove on XX/XX/2019 and they agreed over the phone to research the matter as they may have wrongly withheld my deposit. They instead sent me no more correspondence and instead sent my alleged debt to columbia debt recovery who then sent it to the genesis collection agency. I have told both Columbia debt recovery and genesis the report and debt was false and I have evidence but they refuse to listen and keep sending out the fraudulent report.
05/06/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91709	Web
GENESIS CREDIT MANAGEMENT ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$57000.00} does not belong to me. This account was fraudulently opened through this company in XXXXXXXX XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
07/06/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	KY 41042	Web
My Consumer Rights have been and continue to be violated 15 U.S Code 1681b- Permissible purposes of consumer reports States that the only way a consumer reporting agency may furnish a consumer report would be in the response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceeding before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. also, in accordance with the written instructions of the consumer to whom is relates. I have never given written instructions nor have i received the order of a court for this to report on my consumer report
12/12/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	TX 782XX	Web
On XX/XX/2023 an impersonator went to an apartment complex ( XXXX XXXX ) and tried to rent an apartment with my Credit. On XX/XX/2023 I was checking my credit and noticed a collection had been started on XX/XX/2023 in the amount of {$420.00}. I immediately froze my credit and filed a dispute through XXXX, XXXX, and XXXX. On XX/XX/2023 I called the apartment complex and spoke to the lady that handled the transaction and she admitted to me that she knew it was fraudulent but had to send it to collections anyway, at this point I contacted the collection agency and started a dispute. I also filed with XXXX XXXX Police Department and they put together a Case # XXXX.
09/23/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	CA 90007	Web
The apartment I rented charged me {$300.00} of trash dumping fees that I believe is wrong. I did not dump anything when I left. I have requested surveillance footage proof of me dumping furniture in the dumpster, as well as an itemized bill for the trash dumping. This is information the apartment management has previously claimed they have, but none of which they were able to provide in the 5+ times that I contacted them in the past, neither did the collection agency. Additionally, I requested that the debt not be reported to credit reporting agencies until the matter is resolved but they didn't agree to it. The debt was originally reported to me on XX/XX/2023.
12/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	UT 84105	Web
The debt collection agency Is trying to collect a debt from me that is not mine and that I have no knowledge of. The address where the debt is being reported to, I have never lived or associated with ever. The debt collection agency does not have a license to collect debt in Utah, which is where the debt was said to be accrued. Utah is where I currently live as well. The agency has sent dozens of emails and dozens of calls. I have asked to not be contacted anymore and then I block the number just to be called by the same agency from different phone numbers. It went from getting calls and emails from one company, to another company that is filed as their DBA.
12/31/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89052	Web
I move out of the XXXX apartment XX/XX/2020. I did a final walk through with a member of the management at the time XXXX. I was told the apartment was in good shape and there was no concerns. Now theres a collection on my credit claiming I owe them {$700.00} for damages. I looked at the recent reviews on the property and multiple other people are having the same issue XXXX is claiming damages to the units after confirming with the tenants there was no concerns. I need these fraudulent charges investigated and I want to hold them to the full extent of the law. False information like this caused my credit to drop XXXX points damage that will take years to fix.
07/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77845	Web
Please be advised that the final account statement in the amount of {$4600.00} shall be waived as my lease agreement with XXXX was terminated due to incapacitating injuries arising out of an automobile incident which occurred on XX/XX/2023. As such, I submitted a notice to vacate on XX/XX/2023. Under the Texas XXXX XXXX XXXX, a refusal to make reasonable accommodations in rules, policies, practices, or services, when such accommodations XXXX be necessary to afford such person equal opportunity to use and enjoy a dwelling, is considered discrimination. Both the Fair Housing Act and the Texas XXXX XXXX XXXX broadly prohibit XXXX in rental dwellings.
12/08/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TN 37067	Web	Older American
Moved out of an apartment XX/XX/2019. Charged a cleaning fee of {$170.00} by the complex. Provided written proof that the apartment was professionally cleaned. Never received a written notice from the collection agency. Received a copy of what is claimed to be owed from the agency after filing a complaint with the credit bureaus XX/XX/2019. The claim was placed on my credit report XX/XX/2019 without any written notice. Wrote a certified letter with the proof that the money owed is invalid XX/XX/2019. Have received no response after 30 days and no action has been done to correct the situation. Company : Genesis XXXX XXXX XXXX XXXX, WA XXXX XXXX
04/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30318	Web
I am not liable for this debt with XXXXXXXX XXXXXXXX and I do not have a contract with Columbia Debt Recovery. They did not provide me with the original application like I asked. Theyre reporting on my credit report with XXXX that I owe them {$300.00} and I have no idea who they are. I reached out to Columbia Debt Recovery with a police report, and FTC report. Originally their were two accounts from XXXXXXXX XXXX in which whoever applied, applied twice. Columbia Debt Recovery stated we put two accounts on your credit report because two different door numbers were applied for, so they removed one and kept the other which makes no sense at all.
11/16/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76116	Web
XXXX XXXX, Your rent payment was accepted by Slate. Payment Details : Payment ID XXXX Resident XXXX XXXXXXXX XXXX XXXX Amount {$88.00} Date XX/XX/2020 Payment Status Paid, View Receipt Payment Method Check Note I paid completely directed to the XXXX XXXX. Genesis manager, Ms. XXXX was so rude since day one. I paid and they continue calling and threatening me. Ms. XXXX, manager of Genesis, sent debt to credit report after I paid. I want Genesis to be investigated for management approach and debt charges that you cant fully understand well from where they charge money from people. I am positive others have had same experience like mine.
03/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78520	Web
Columbia Debt Recovery is trying to collect a debt that does not belong to me, the information they provided me is that it is a fee charged by an apartment complex to verify housing application. I do not live in XXXX XXXX and have never lived in XXXX XXXX. When I spoke to request information, the company suggested that I need pay the debt because no one was going to be able to help me with that debt. I consider it a method of extortion and harassment on the part of the Collector, they did not even have my information on where to collect the debt from me, until the moment I contacted them, they began to send me emails with the charges.
10/08/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77407	Web
I have been disputing this account for some time now with Genesis Credit. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.
11/01/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	IL 60016	Web
The debt collector, Columbia Debt Recovery XXXX, XXXX XXXX, is trying to collect on a debt for an apartment rental that my family left from mid lease. The reason we left the lease early was due to an unsafe living condition that the landlord did not address. My family was threatened and intimidated by another tenant multiple times due to race. Threats were made directly to our XXXX XXXX XXXX daughter due to race. The landlords response was they would not do anything until there was a physical attempt to harm us be the other tenant. To keep our daughter safe, we moved out of the apartment. We have police reports on this manner as well.
03/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 444XX	Web
XXXX XXXX XXXXXXXX XXXX claimed I rented property from them in XXXX in XXXX with an original balance owed of {$17000.00}. I can prove that during Covid I was living in my parents home in XXXX I reached out to them to have this debt removed from my credit record in XXXX. They didn't even have any of my personal information like phone number or address. They then sold this debt to other collection agencies of which I have also requested they remove the debt as it is not my debt. They have all refused resulting in the current total due of {$18000.00}. I have since filled a police report regarding this fraud and have hired an attorney.
08/15/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 34476	Web
I have attempted to resolve this issue with the XXXX for some time now and have not had any responds. I have also tried to dispute it with XXXX and they have said they are unable to dispute the matter as well. My last resort as a Consumer that is being violated under 15 USC 1666 false and misleading statements I hope that you are able to assist me in this manner. The report number with XXXX is XXXX and the collection company is named Columbia Debt Recovery XXXX I was never involved at any point at any time with this debt and they have not produced anything with my signature to provide any validation or verification of this debt.
12/06/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	OH 454XX	Web
I was allegedly charged for past due rent from the months of XXXXXXXX XXXX XXXX XXXX XXXX and i have vacated the premises well before these charges occurred due to the complex breaking the lease! I was also unaware that i was being charged for utilities as i was told they were not even provided by the apartment community what so ever and i have the bills and accounts for my outside utilities if requested. The rent would have totaled {$2500.00}, The rent was XXXX a month. the balance that shows on my credit is {$2700.00} the account was allegedly originally credited by XXXX XXXX XXXX but they were owned at the time by XXXX XXXX.
05/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TN 37130	Web
I have asked to validate the accounts on my credit report from both Credit Bureaus and alleged debt collectors. I have sent letters pointing out the inaccuracies in the accounts. ( Ex : date of last activity is not consistent, account status is not 100 % accurate and some account numbers are not consistent ). The FCRA, 15 U.S.C. section et. seq. states that access to consumer credit report records and promotes ACCURACY, fairness and the privacy of personal information assembled by Credit Reporting Agencies. This has hurt my ability to obtain credit and demand removal of accounts by the alleged collectors from my credit report.
07/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OR 970XX	Web
Company name : Columbia Debt Recovery LLC DBA Genesis Address : XXXX XXXX XXXX XXXX XXXX XXXX Original contact was XXXX. I received the first email. I contacted the company stating I was not the person they were looking for and not to send me email with the debt details as i am not a financial POA for that person. I told them over the phone that I would file a complaint about their lack of privacy concerns. I have received another email today, with all the same details as before. The company does not take privacy concerns seriously and this shows a lack of awareness when it comes to sharing details that should not be public.
05/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 604XX	Web	Servicemember
I am a natural person. I am a living human being. I have rights under 15 USC 1681 XXXX XXXX XXXX XXXX is governed by XXXX XXXX XXXX and they violated my rights numerous times. I am demanding that the accounts listed below be removed because according to 15USC 1681 I have the right to privacy, and I did NOT give XXXX XXXX XXXX XXXX XXXXXXXX ( also known as XXXX XXXX XXXX ) permission to furnish the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed numerous CFPB complaints as well as sent Cease and Desist letters for these XXXX accounts. They still refuse to block and remove these accounts from my credit report.
09/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30121	Web
I was notified by collection on my credit that there was a defaulted lease at an apartment complex in XXXX Tennessee at the end of XXXX through XX/XX/XXXX. I have owned my house in Georgia since XXXX. This debt is not mine. I have tried disputing it, unsuccessfully. Debt was reported from Genesis Credit Management in the amount of {$2200.00} on XX/XX/XXXX for a defaulted lease at XXXX XXXX XXXX located at XXXX XXXX XXXX in XXXX Tennessee. I have filed a police report with the XXXX XXXX XXXX department in XXXX Georgia, where I reside. The complex would not provide me with the documents that they used to lease the apartment.
11/02/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	CO 811XX	Web	Older American
I was alerted through my credit monitoring service that Columbia XXXX XXXX was reporting that XXXX XXXX XXXX in XXXX Georgia is reporting that I am in default for a lease ending in XX/XX/2023. I never lived there, never leased an apartment there. My information appears to have been used, but I never engaged XXXX in a lease. I requested the signature of the account and copies of the intake forms. They have not been provided. This report is additional damage to my credit. I have sent documentation of my electric bills to show where I lived during the period stated in the claim. This report is not accurate and I want it removed.
07/16/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85009	Web
As Company previously stated they sent validation on XX/XX/2023 I still have yet to receive any information regarding my dispute with the company as the 30 day period has ended and it is still reporting to my consumer report UNDER THE ( FDCPA ) A COMPANY HAS 30 DAYS TO RESPOND WHICH MEANS THE LETTER MUST BE IN MY HANDS WITHIN 30 DAYS THE XXXX WAS A FRIDAY NO MAIL WAS SENT SATURDAY MAIL DOESNT GET DELIVERED SUNDAY SO MONDAY THE XXXX NO MAIL CAME STILL AND IF THE COMPANY MAILED IT OVERNIGHT TO BE DELIVERED ON SATURDAY THE XXXX I NEED TO SEE PROOF IF THIS ACCOUNT IS NOT REMOVED IN 4 DAYS THIS OPENS THE ACCOUNT UP FOR LITIGATION
05/05/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	HI 967XX	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
02/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23185	Web	Servicemember
Security deposit was returned in full and no actions were taken until the property was sold to a new owner. At the time of sale the previous owner decided to fraudulently ask for more money. Collections agency alleges that the debtor owes {$530.00} from a lease that ended on XX/XX/2020. When asked for a statement of charges agency furnished a statement with charges dated after the contract date of XX/XX/2020 ( XXXX ). All charges after XX/XX/2020 were the responsibility of the property owner. Collections agency is requesting a laundry list of items be completed at the expense of the debtor in order to clear the charges.
05/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07112	Web
I am a victim of identity fraud. Someone have used my personal information to open several accounts including this particular account. I reside in New Jersey and someone attempted to lease an apartment with my information in Texas which left a debt of {$120.00} resulting it to place on my credit report. This has cause major problems for me. Ive received collection letters but they were not addressed to the right address instead its an address to houses away which should become obvious that this is not my account. Ive also disputed this matter several times leading to no results besides still asking me to pay this debt.
10/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MN 55343	Web	Older American, Servicemember
Genesis Credit Management Columbia Debt Recovery XXXX XXXX I have disputed these accounts on all three credit bureaus stating that they have the wrong information and they keep telling me i have wrong information. I paid version wireless and sent them the copy of my receipt and they stated that they would remove it, but XXXX XXXX refused to remove it. Genesis and Columbia are reporting for the same XXXXXXXX XXXX XXXX. I gave them their two month Notice to vacate and they refuse to acknowledge the receipt of my notice. I requested that both companies remove this from my report as false and they refuse to remove it.
04/06/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	VA 240XX	Web
I am disputing a debt collection for unverified debt connected to a lease. I moved out on XX/XX/2021. The balance on the account as of XX/XX/2021 was XXXX. I received a debt collection on my credit report in the amount of {$5700.00}. The debt collector sent me an itemized list of the debt that includes fees that do not apply to me at all. 1. Two rent charges for the period XXXX XXXX ( illegal ). 2. Reletting fee ( no person on the lease was altered ( illegal again ). 3. Pet fees ( my dog is ESA and I dont pay pet rent ). 4. Increased utility fees ( doesnt support evidence I have stating the outstanding fees ).
10/18/2023	Yes	Debt collection Rental debt	Communication tactics Frequent or repeated calls	TX 77380	Web
Genesis credit management needs to be put out of business immediately. Their staff is so disrespectful and enjoy yelling at people and talking down to them. It is absolutely disuting that they are allowed to still operate. They work with apartment companies to scam people out of money. I disputed the false claims brought on by my past apartment and of course... the credit company denied my dispute. Why would they accept it? they are scam artists and are only in this to ruin people and make FRAUDULENT money. DO NOT PAY your balance to these people if you believe its inaccurate. This company needs to be shut down.
11/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75034	Web
Debt Not Owed - No Response even after 30 days of Direct Dispute letter to XXXX XXXX. XX/XX/XXXX - Sent a " Direct Dispute '' letter via certified mail to Columbia Debt Recovery LLC dba Genesis. Highlighted that debt validation contains debt from XX/XX/XXXX whereas lease end date was XX/XX/XXXX. Provided following evidence documents. XXXX. Signed lease document showing lease ending on XX/XX/XXXX. XXXX. Bank statement showing all dues paid through XX/XX/XXXX. Direct Dispute letter with evidence sent XX/XX/XXXX. No response as of XX/XX/XXXX. Past 30 days as legally required. Requires immediate action.
12/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19038	Web
I received a call today from collection company Original Balance : {$19000.00} Current Principal : {$19000.00} Interest Due : {$110.00} Total Due : {$19000.00} COLUMBIA DEBT RECOVERY LLC DBA XXXX XXXX XXXX XXXX XXXX, WA XXXX I told the company this is fraud and they emailed me a fraud packet to fill out and email to them. I have been dealing with identity theft for a year now. I froze all accounts but still getting hit with collections from apartments that were opened in my name and information before I froze my accounts. ORIGINAL CREDITOR : XXXX XXXX I FKA XXXX XXXX I PLACED FOR COLLECTIONS ON : XXXX/XXXX/22
01/05/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA XXXXX	Web
Genesis Credit Management also known as Columbia debt recovery has flagged an account as Derogatory/ late payments when I have no signed contract with them in order to scare me into paying them money, that severely damaged my credit. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX they reporting to all credit Bureaus. I've sent them two letters sent on XX/XX/XXXX both mailed to there multiple addresses asking them to show me proof of a contract. They received my letter on XX/XX/XXXX in which they responded by email to me saying we have a settlement my account is eligible for a discount please contact them.
06/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77077	Web
Attempted several times over the last couple years to reach out and explain that this is a account of my deceased husband. Once he passed away, in 2021, they started contacting me. During time of this account we were not together or in the same residence. I have requested several times for proof that this is my account, instead they raise the debt amount here and there by a couple dollars. On a monthly basis the amount owed fluctuates from XXXX to XXXX and as that amount changes it affects my credit score. Please research and remove as I am taking responsibility of my credit at this time. Thank you in advance.
07/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95842	Web
You are in violation of 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. [ Violation of 15 U.S. Code 1692e ] - False or misleading representations - GENESIS CREDIT MANAGEMEN - XXXX XXXX XXXX XXXX XXXX XXXX
07/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21220	Web	Older American, Servicemember
Genesis Credit Management is reporting on my credit report -collection for past due rent for apartment I notified the company that I did not sign lease for year XXXX XXXX XXXX and disputed the debt. They claim the debt is verified The lease I co-signed ended XX/XX/XXXX The apartment was rented by relative and he received summons for past due rent my name is not on the summons for XX/XX/XXXX or XX/XX/XXXX since I was not on lease. The court cases were dismissed since he obtained emergency rental assistance from XXXX XXXX. After he moved the XXXX XXXX XXXX in XXXX XXXX sent the notices to collection agency.
01/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89031	Web
On XX/XX/2022 GENESIS CREDIT MANAGEMENT LLC added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA GENESIS CREDIT MANAGEMENT LLC has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
01/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95842	Web
On XXXX XXXX, XXXX, GENESIS CREDIT MANAGEMENT added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA, GENESIS CREDIT MANAGEMENT has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
01/23/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77099	Web
I have been disputing this inaccurate account with Genesis Credit for some time now. i sent them a letter asking for validation of debt and I received documents back with someone else 's information on it. Attached to the debt they claim I owe is a social security number that does not belong to me. Here is the tracking XXXX XXXX XXXXXXXX XXXX XXXX. How can they report this account on my credit reports and state that this debt is valid if they do not even have my correct information? How do they know that this account belongs to me? I demand that this account is deleted from my credit reports now.
01/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92692	Web	Older American
Co-signed a lease to start XX/XX/XXXX at XXXX XXXX in XXXX XXXX, Tx XX/XX/XXXX Gave 30 day notice of lease termination XX/XX/XXXX Amended notice of termination notice to 60 days as required by lease XX/XX/XXXX Keys were returned via XXXX and apartment was vacated- have proof of del. XX/XX/XXXX Received text from XXXX XXXX asking if keys were returned XX/XX/XXXX XXXX from XXXXXXXX XXXX sent text back stating that she did receive keys XX/XX/XXXX Was turned over to Columbia Dept Recovery LLC - DBA Genesis collection agency stating that I owed money to XXXX XXXX because we moved out on XX/XX/XXXX.
02/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CO 80112	Web
In XX/XX/XXXX i was contacted by Genesis Collections trying to collect a debt from XXXX. I informed them then that this was not my debt and that police reports had been filed, a complaint was filed with the FTC and the original Creditor was notified about the filing and the identity theft. On XX/XX/XXXX Genesis Credit Management and Columbia Debt Recovery at XXXX have reported this fraudulent debt to my credit report inspite of them being notified that the debt is fraudulent and them being notified that all communication with the original creditor as required by federal law has been completed.
07/26/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30102	Web
My identity was stolen and used to apply for apartments. The company now claims I owe {$16000.00} as of XX/XX/XXXX. This claim is based out of XXXX, Florida. I have reached out to the collections team and reported it as fraud and they have sent me the following steps to verify I was not the one involved in the process. The debt collection request came from Columbia Debt Recovery LLC DBA Genesis. The original creator was XXXX XXXX at XXXX and placed for collections on XX/XX/XXXX. Since learning of these issues I have signed up for credit protection and locked my account for further inquires.
04/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78516	Web	Older American, Servicemember
Property was leased under my name ( without me knowing or approval ), in another state by a neice & a police report has been created. The current rental property owners have given the collections company the + $ XXXX balance to collect. Current new rental owners have depts that do not want to talk to me or responded to my emials, -- becuase collection company is engaged. I have provided collection company copies of TX drivers license, Proof of TX employement, copies of police report. Collection company had my wrong phone number & emial. Property was rented with E-signature during Covid19.
05/13/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 293XX	Web	Servicemember
1. Validation of the debt- that is, the actual accounting. 2. Verification of a signed Invoice. 3. A copy of the Contract binding both parties ( you and them ), in a letter by " certified mail '' so that there is an independent " witness to it having been delivered '' However according to 15 USC 1692e, 15 USC 1692d ; and 15 USC 1692B not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
07/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 775XX	Web
I have tried contacting this company multiple times to let them know that I was a victim of identity theft. I am a woman and apparently a man with my social rented a apartment with my social somewhere in the XXXX XXXX XXXX area. I even tried contacting the apartments personally to let them know that I was the victim of identity theft. I have provided proof that I was a victim of identity theft. And they still refuse to take this off my credit. I have provided my driver 's license with my address that I have lived at for over 7 years and clearly showing that I am a woman and not a man.
04/05/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 76248	Web
There is someone with a similar name as mine but no middle name! Ive never lived in XXXX but have a over XXXX debt popping up on my excellent credit! I disputing this with XXXX and, you can get a rep on the phone & it remains this has to be illegal it is years old and, only a few years remaining on my credit I want it removed immediately it isnt my social security number or my correct full name also Ive never lived in XXXX or at this place! Please assign me a rep so I can go up against this company they need to penalize and punish the correct social and individual not me or my credit
12/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75219	Web
I received an identity theft alert. An impersonator was using my personal information to apply for an apartment lease. I received the debt of application fees for this fraudulent act. Date of occurrence : XX/XX/2021, original creditor : XXXX XXXX 2, Amount Billed : {$150.00}. I received the notification from Columbia Debt Recovery of this false charge on a letter dated XX/XX/2021. I also received a letter notification of Columbia Debt Recovery 's request of proof to better investigate this crime on XX/XX/2021. This actually informed me of the option to file a complaint with the FTC.
12/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NV 89148	Web
On XX/XX/ GENESIS CREDIT MANAG added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA GENESIS CREDIT MANAG has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.
09/15/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX XXXXX	Web
I am a federally protected consumer and I am concerned that Columbia Debt Recovery LLC dba Genesis may be violating my federally protected rights by using profane language and coercing I, by saying if I do not pay I will receive negative credit reporting. This is my official notice of dispute. I do not owe this alleged debt. Pursuant to 15 USC 1692g I demand that Genesis provide me with documentary evidence that shows I owe this alleged debt, as well as verifiable proof. I do not consent to any credit reporting on behalf. I do not agree to Contract with Genesis or its affiliates.
05/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78729	Web
I am being contacted by a company that says I owe unpaid rent for an apartment from over three years ago. I called the complex and the property was sold to a new owner. I was never contact by the complex about unpaid money and I have confirmation that everything was paid up.I was emailed about the debt and I emailed them at the address in the email asking for further information and got no response. I call the number listed in their email and it says the call can not be completed " at this time ''. They want about {$100.00} that I don't owe, but I can't get ahold of anyone there.
07/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85225	Web	Servicemember
This account information appeared on my XXXX account> I am unaware of this account and who it belongs to. Date Reported : XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX , XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Original Amount Owed {$6500.00} Amount {$6500.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification RENTAL_OR_LEASING Last Payment Date Date of First Delinquency XX/XX/XXXX XXXX
05/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93638	Web
A lawsuit was filed against me and my husband by a property management company and the case against us was dismissed in court. We have court documents to prove that and have sent them to the collections agency but they will not drop the collections even after I spoke to the court which sent me two more copies stating the case was dismissed and nothing is owed which I sent to the collections agency. The collections agent was rude even after seeing the paperwork and tried to intimidate me about the loan being interest bearing. This company goes by Genesis credit collections.
10/31/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 275XX	Web
My daughter signed a lease for a rental agreement in XXXX with this company XXXX, I originally co-signed in XXXX, however I did not co-sign the second term contract. My daughter decided to move by the third term because of the XXXX in the complex and found another person to take over her lease. They signed the contract and the lease office refunded my daughter her deposit and took the key. The new tenant fell through with the lease and XXXX has came back and charged my daughter and myself for the months of rent loss that year. I did not sign a contract for this lease term.
11/09/2023	Yes	Debt collection Rental debt	Electronic communications Frequent or repeated messages	CA 90016	Web
Wasn't originally informed I owed money. They just put it on my credit report. Multiple calls and text messages all different hours. Contacting my family members and friends Harassing them and me. I did not give them my family members number. Put my information out.Changing fees I don't owe. Committing fraudulent activities. They told me if I pay half of the debt they will put the other half on some else. The rental agreement was never signed by the other part on the lease. They forced his signature. I have multiple witnesses that he did not sign the rental agreement.
12/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33145	Web
I recently noticed an illegally reported account on the three major credit reporting agencies including XXXX, XXXX, and transunion. Under the name Columbia debt recovery or Genesis debt recovery original creditor XXXX XXXX The debt collector knowingly and fraudulently reports this account to the three major credit reporting agencies without notifying me five business days as required by law. In addition the debt collector fraudulently reports its name inaccurately and or incomplete, as a result would make it difficult to dispute this illegal and fraudulent account.
09/25/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	WA 98133	Web
The debt collection company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX has been harassing me since XXXX of 2023, claiming that I owe a debt to a former property management company, but has not produced any documentation clearly showing a bill for an amount they claim I owe. I have contacted the company in writing to provide documentation. They continue to provide a move out statement that literally reads, " This is not a request or demand for payment of any amount. This is a copy of your move out statement that we are required to send by law. ''
03/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 91401	Web
Debt was settled in small claims court case # XXXX in the county of XXXX XXXX on XX/XX/2019. Debt collector, Genesis aka Columbia Debt Recovery, has been continually harassing me via email regarding my debt, even though the small claims judgment has been ruled in my favor. I have sent them multiple copies of the small claims judgment that was mailed to me yet they continue to contact me in attempt to collect a debt I do not owe. In fact, the defendant in the small claims case, which is also the company that the debt collector is representing, owes me {$570.00}.
06/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MN 55129	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
07/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85009	Web
I have been a victim of Identity theft and this account needs to be removed per federal law that states a consumer reporting agency or data furnisher must remove all accounts involved in Identity theft within 4 days after receiving their Identity theft packet and I will be uploading the whole packet in this complaint this ACCOUNT MUST BE REMOVED NOW!!!!! or this company will be facing a MAJOR LAWSUIT IN FEDERAL COURT IF THIS ACCOUNT IS NOT DELETED BY FRIDAY I WILL BE SENDING LAW SUIT PAPER WORK TO YOUR OFFICE AS WELL AS COLLECTING {$1000.00} PER VIOLATION
08/25/2023	Yes	Debt collection Rental debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 77077	Web
Since the beginning of 2023 Genesis company has been contacting us for a debt that we were not aware of. On XX/XX/2023 I sent them a letter requesting to send me more info about the debt as well the contract that they have with the apartment that gives them permission to request for a payment and ledger of my old account to verify accuracy of the charges. I asked them to send info in the next 30 days and asked them to give me 30 days to revise information. I asked to cease all calls during this time and they have not responded and they keep calling me.
10/18/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	NE 68154	Web
On XX/XX/2023 I received commuitcation through CFPB of an allege debt by COLUMBIA DEBT RECOVERY LLC in reference to account XXXX. Columbia Debt Recovery has violated applicable debt collection laws and regulations, including but not limited to 15 USC 1692. I included the violations on the communication letter sent to me. On XX/XX/2023 an affidavit of truth was sent to COLUMBIA DEBT RECOVERY XXXX XXXX XXXX stating all of these violations. I have included the exact copy mailed to them and the letter they sent to me as well as an invoice per violation.
04/03/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IA 503XX	Web
I have disputed both of the Columbia debt recovery accounts opened by XXXX XXXX XXXX and no one is looking into my disputes fully. I was a minor of XXXX years of age when lease was signed and my father was the renter this debt should not be mine. XXXX has done nothing to request the proof this collection agency has to back up their statement of being valid debt. I need someone to thoroughly look over my documents I certified mailed in early XX/XX/2020 and do a proper investigation. If this is not done in a timely manor I will be getting a lawyer.
08/30/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 79938	Web
I received a negative credit report alert, approx1-2 yrs ago, of an outstanding balance ( {$370.00} ), for an apartment unit ( XXXX ), that my wife and I never leased, out of XXXXXXXX XXXX We have never been/lived, nor have I ever leased an apartment unit in XXXXXXXX XXXX My wife and I, have always lived in XXXX XXXXXXXX XXXX ; I have been trying to get it resolved, for the past year, or so, to no avail. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
06/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 33647	Web
First of all they never send the original lease ( which is endorsed with ink ) because we all know that the original contract is endorsed with ink. Second you are a third party debt collector who shouldnt even be contacting a consumer about any matter. Which is against the law are u above the law. XXXX XXXX at XXXX XXXX as well as you who is a Third Party Debt collector have went in contract using my information is identity theft because you guys never got my consent to give anyone my information or to contact me. Those signatures are also forged.
12/12/2023	Yes	Debt or credit management Debt settlement	Confusing or missing disclosures	TN 37128	Web
Three years ago, I leased an apartment in XXXX, which turned out to be in appalling condition, infested with rats, rendering it uninhabitable. Upon moving out, the apartment complex charged me {$800.00} for damages, falsely attributing the cost to new carpet and overall remodeling, even though no such improvements were made. This disputed amount is now with Genesis Collections Agency, causing harassment despite my efforts to communicate that I am not accountable for this debt. Furthermore, they are charging me interest on an unjustifiable amount.
06/20/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30093	Web
In XX/XX/2022 I was give a 30 day notice to evacuate the premises by XX/XX/2022. If I didnt vacate the premises I would be evicted. I signed my new lease in a new city on XX/XX/2022 and all my possessions were out on XXXX XXXX. The key was returned on XX/XX/2022. They attempted to get money from me via email then I had to give them the full run down about the 30 day notice and provided pictures of the apartment. After providing the information the assistant manager responded thank you for the information and never received an email after that.
04/19/2023	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	OK 731XX	Web
On XX/XX/2023 I was notified that the retreat at XXXX XXXX XXXX in XXXX XXXX had sold an illegitimate debt to Columbia debt recovery ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) also known as Genesis debt recovery. The way I found out was I got a notification from credit wise that said that I had a debt sent to collections. Columbia debt recovery never reached out to me and attempt to collect the debt. Had they contacted me I would have told them that I wanted to dispute the debt of approximately {$250.00}. Columbias number is ( XXXX ) XXXX
07/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AL 354XX	Web
Acct # : XXXX that ended in an eviction filed XX/XX/XXXX due to IDENTITY THEFT. Original Creditor XXXX XXXX has allowed Columbia Debt recovery LLC ( dba Genesis Management ) to report a 'identity theft ' debt to all 3 credit reporting agencies even though this is a serious violation of the FCRA Section 605 ( B ). This fraudulent account was established in XXXX XXXX. A police report and an FTC report were both filed in XXXX, please see attached document. This account fraudulently associated with XXXX XXXX needs to be squashed immediately!
10/04/2023	Yes	Debt collection Rental debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	VA 22554	Web
I got a call from the debt collector around XXXX XXXX on XX/XX/XXXX. He said I owed a debt which I explained I do not owe that amount. The conversation was going ok until I told him I believe that i do not owe that amount to XXXX XXXX and I am not going to pay money that is not owed. He then threatened to keep harassing me every day and to call my employer as well which is basically trying to embarrass me at my place of employment over a debt I do not owe. This is wrong on so many levels especially when I do not owe the amount claimed.
08/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	KS 67846	Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
08/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33634	Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
12/18/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web	Older American
I was a victim of identity theft. I just received a letter from Columbia Debt Recovery LLC DBA Genesis stating that I leased an apartment located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX as of XXXX. They claim I owe them {$11.00}, XXXX. I reside at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and I am a victim of identity theft as I have never even been to XXXX XXXXXXXX XXXX I would like this deleted from my credit credit record as it is fraudulent. aby questions, email me at XXXX or call me at XXXX, Respectfully, XXXX XXXX
03/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28216	Web
I have reached out to the company XXXX XXXX XXXX several times I was told the collections would be removed due to identity theft however they didnt remove that was from the district they also are reporting XXXX different balances which it should not be a balance that violates the and should be removed on those grounds as well I have submit multiple fta reports and police report and confirm my identity also XXXX will not allow me to log on and I spoke with ally from fraud she was rude and hung up on me I would like the call monitored
12/10/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 90025	Web
The collection company COLUMBIA DEBT RECOVERY has reported to a credit reporting company before trying to contact me. This account has been open apparently since XX/XX/2022. Today it is XX/XX/2022. They have not spoken to me about any debt in person, not by phone, not by email, nor by mail. I only found out that there was an outstanding collection via my credit card 's alert system that my credit score has dropped. This is unacceptable and violation of FDCPA. I should have given the opportunity to sent a debt verification letter.
11/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 750XX	Web
The collection agency Genesis Credit Manag DBA Columbia Debt Recovery has reported past due debt of {$950.00} Acct # XXXX under XXXX, XXXX and XXXX 18 USC 1028A : Aggravated identity theft a ) Offenses.- ( 1 ) In general.-Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years
11/18/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	MD 20601	Web
There apparently was a rental debt from over a year ago, I told them that I was not the one who applied for the apartment and they didnt listen. My daughter clarified that the debt was for a refundable fee from the apartment and that she had emails that it should have been cleared. He didn't listen to her and forced her to pay anyway and stated The person who told you that probably doesnt work there anymore anyway. He gaslit her and said he was in the process of moving and thats not how this works. Overall, very disrespectful.
06/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33907	Web
I was evicted by the landlord in question for paying the rent a few days late, less than 30 days, and me and my husband XXXX XXXX were singled out in order for the landlord to raise the rent from {$1800.00} monthly to {$2500.00} monthly. At the time of the eviction, according to the XXXX County Clerk of Courts, said company was not evicting any other tenants for the reason that we were evicted. Now said company/agenty is trying to collect from us an unlawful debt of {$3300.00} and has reported us to collection bureaus. --
03/26/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	ID 83714	Web
XXXX XXXX XXXX XXXX has sent me to Genesis Collections for {$11000.00}. I lived at this rental property for five years. They renovated the whole unit once I moved out and am charging me for that renovation. They are dishonest and this is reflecting poorly on my credit report. I paid a deposit that should cover new carpet and paint. This is an egregious amount and I will not pay it. They are unethical and should not be in business. I have witnesses that helped me move and know what condition the unit was in when I left it.
12/27/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77351	Web
This account is fraudulent due to Identity Theft. This is not my debt. A woman has been using my information to rent homes/apartments. I have filed a previous police report for another matter. The woman was arrested and later released. I have contacted Genesis Credit Management and was required to file this complaint. Genesis Credit Management ( XXXX ) XXXX PLACED FOR COLLECTIONS ON : XX/XX/XXXX XXXX & XXXX : XX/XX/XXXX Lease Dates XX/XX/XXXX, XXXX XXXX, XXXX Move out : XX/XX/XXXX Debt {$10.00}, XXXX Acct # XXXX
09/28/2023	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CO 80113	Web
They wont send anything physically or digitally to provide documentation that the debt is mine. There is no proof that the debt belongs to me & they wont provide it. The debt is not mine & now it is showing up on my credit report & my credit is now being ruined from a debt that does not even belong to me. Their customer support hotline is useless. The employees do not care to give helpful information or supply any written information. Scammers trying to collect money and somehow got my information. Please help
07/16/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 91030	Web
I have submitted a complaint with the consumer financial protection bureau. The Debt company and Apartment company responded with a bill of costs that are due. I submitted an online application. The decline was immediate for I was not accepted to be a residence of 8 eighty apartments. The total cost of the online application I see is {$52.00}. I do not know why there is a NSF fee of {$25.00}. There should not be a holding fee for there never was a hold for an apartment. There holding fee is {$200.00}.
10/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WA 98021	Web
I have called XXXX to remove fraud from my account and they transfer me over and over again and the fraud department tells me that my information is not good enough. They tell me that even though the dates are wrong on the lease and there are made up numbers on the alleged formal debt letter that I still have to pay the {$8500.00} the debt collection company has now tried to collect from me. I have tried to report the creditor and this company said because they don't answer there is nothing that can be done
07/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NM 87114	Web
I viewed an apartment and started ( but did not finish ) the application process in XX/XX/2022 with XXXX XXXX in XXXX. My credit was frozen at the time, so when I got a notification that the application was submitted I cancelled my debit card to reverse the funds for the unit that I had not been ready to apply to. I cancelled my application, yet a collection account is showing for XXXX for an apartment I never applied to nor lived in. The application was cancelled, not denied. It was not even processed.
12/15/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	IL 60610	Web
I participated in a XXXX XXXX XXXX and I was not obligated to pay the XXXX. Due to the unit having XXXX XXXX XXXX XXXX did not pay rent which is apart of their contract. Once the XXXX was treated they continue to pay the rent. When they failed inspection they did not respond promptly and XXXX placed the apartment under abatement. They did not apply for a an inspection for XXXX months. Once they did and fixed the XXXX XXXX begin to pay the portion of the rent. I have attached that my portion {$330.00}
12/13/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 77041	Web
COLUMBIA DEBT RECOVER LLC DBA GENESIS contacted me about an account that I never own charging me the amount of {$2400.00} from an ORIGINAL CREDITOR named XXXX XXXX, I disputed the account placed on my credit on XX/XX/XXXX of this year XXXX and the collection company is asking me for a series of documents including this complaint and now I'm getting the documents to sent everything to them. its important to add to this complaint that I have been living in XXXX since XXXX and I was living in XXXX before
09/27/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	FL 325XX	Web	Servicemember
An application was submitted in my name for an XXXX in XXXX XXXX in XX/XX/XXXX for. The application fee was submitted to debt collection in XX/XX/XXXX and just appeared on my credit report. XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX Placed for collections on : XX/XX/XXXX Original Principal : XXXX Current Principal : XXXX Interest Due : XXXX Total Due : XXXX COLUMBIA DEBT RECOVERY LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
02/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CO 80031	Web
Genesis credit management reported a collection to my XXXX and XXXX credit report. This account ( copperwood apartments ) was included on my XXXX XXXX XXXX bankruptcy. I've called and given them the proper paperwork XX/XX/XXXX. XX/XX/XXXX I called and the confirmed the account was closed and they would remove this account from my report completely. This account is still on my credit report but it is showing no balance. I need it removed completely as it was discharged and and to raise my credit score.
04/28/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	KY 40229	Web
I was contacted by a male representative from Columbia Debt Recovery on XX/XX/23 regarding a debt he said from The XXXX XXXX XXXX. I asked him if he could mail me validation documents. He stated they would be mailed out. Im filing this complaint because its been over 30 days and I have not received validation documents. Ive never resided at The XXXXXXXX XXXX XXXXXXXX. This debt is also being report to the credit reporting agencies and its unverified because I was never given any proof of this debt.
06/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85044	Web
Originally Debt from XXXX XXXX and now with Genesis debt agency. The date of the debt is supposedly started in XX/XX/2022 debt was placed on XX/XX/2022 for unpaid Lease!! I have provided documentations stating this is false because the apartment Im leasing now is my very first lease and I pay on time. My lease date started here XXXX current. Also I stated I live all the way here in Arizona the debt looks like its in California. Please help! Im currently trying to move and this is not helping
06/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AL 35215	Web
I notified Genesis dba Columbia Debt Recovery verbally by phone and email that I do not owe this debt. They are attempting to collect a debt from XXXX XXXX XXXX which upon looking them up is an apartment complex in Texas. I advised them that I have no idea who they are and have never done business with them. I am born and raised in Alabama and have never lived outside of Alabama so I have no idea where this debt is coming from. I've asked them to stop contacting me and they continue to do so.
12/15/2023	Yes	Debt collection Rental debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 94608	Web
When asked to stop or limit contact with debtee 's, the agent ( XXXX ) told us that they could call as much and as frequently as they wanted to ( XXXX PST XX/XX/XXXX ) When asked about why our dispute was rejected, they said that it was invalid and refused to elaborate, only asking for how we wanted to pay. Saying that they did not have to provide any additional information, and that it was on us to prove to them that we did not owe, rather than the other way around. ( XXXX PST XX/XX/XXXX )
10/18/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 76014	Web
Hello, I am the victim of the identity thef. The thief used my social security number to rent the apartment at XXXX XXXX under XXXX XXXX. First of all, this XXXX is not my name on my SS # So how come they link my ss # with a different name and they don't do background check? This is not my fault in anyway at the beginning, but now I am the one to go back and prove I am not the one live there since the apartment manager didn't do throughoutly background check with name don't match with SS #?
08/09/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89121	Web
On XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, I requested full accounting history, proof of ownership, proof of legal right to collect in the state of Nevada, details about the authority of this creditor to collect the debt on behalf of the original creditor, proof that the sent the legally required notices before sending the debt to the credit reporting agencies as well as requesting if they would be ready to settle for a lesser amount and they chance not provided this information.
03/19/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85282	Web
Genesis Credit Management has been attempting to collect a debt I do not owe. On XX/XX/2022 I sent a letter to them via certified mail disputing this debt and requesting proof. They successfully received this letter on XX/XX/2022. Today is XX/XX/2022, 31 days past my request for proof of the debt and I have not received any such proof or further contact from the company. I now have a collection amount of {$310.00} negatively affecting my credit due to this unlawful debt. This is illegal.
10/10/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	MA 021XX	Web
I am being sent emails, about new amounts, with interest charged without providing the details of the debt. Why do I owe this debt? I have sent a written notice requesting all the details but have not received anything official. I have received an email with random numbers on a paper with no evidence that I owe this debt and I'm being charged interest on this. Failing to respond to a Debt Validation Letter while continuing to collect on the debt is a direct violation of the FDCPA.
12/31/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	CA 92660	Web
Genesis Credit Management has been calling family members and friends from PRIVATE and blocked numbers. The harassments began in XXXX of 2018. They called a family and threatened to send the sheriff 's department to her home. They called another family member and threatened their religion. All threatening voicemails are documented. They called me pretending to be an apartment complex in XXXX California asking about an application I never filled out. I get 2-10 phone calls per day now.
10/21/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92612	Web
I received a letter from the debt collection company and sent back a certified mail correspondence asking for proof that they have the rights to collect this debt. This was ignored and negative impact was made on my credit score. I sent out a second correspondence by certified mail asking again for proof or documentation. I received a letter back where they claimed that I was claiming the debt is fraudulent and asking for a police report. This is an intimidation tactic and unlawful.
03/30/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33009	Web
Genesis Credit Management is working on behalf of XXXX XXXX XXXX where I once resided the pandemic caused me to fall behind two months of rent at {$1500.00} for each month and she sent me a paper with my balance however we went to court and the judge put in agreement that I would move out and not have to owe her and case was disposed the owner however reported debt and she takes the amount up every time I dispute and now says I owe {$8900.00} or something close to that amount
02/17/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WA 99301	Web
Rental agency reported amount owed to collection agency. These charges are illegal and were not completed within the appropriate number of days per the Washington laws. I have sent emails with all documentation to the original property management team as well as the collection agency and credit bureaus and the company is fraudulently certifying the amounts to be sure even though it goes against the law. The company actually owes me 2x my deposit which is total of {$1400.00}.
05/31/2022	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	PA 19133	Web
An amount of {$500.00} went to collections on my credit file in XX/XX/2022. The collections showed it was from Columbia Debt Recovery LLC or Genesis Credit Management and a derogatory mark showed up on my credit report. After investigating this situation, I realized that someone stole my identity and applied for an apartment at a place called XXXX XXXX. The address for that apartment is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. I have never applied for an apartment in Georgia.
09/09/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	TX 77077	Web
I consistently informed the collection agency the debt was not valid. I also requested validation of debt several times. It wasnt until months later they provided me with my lease agreement as well as a document that wasnt at all accurate. Since then I called the original creditor XXXX XXXX and requested my ledger which I will attach below, which not only validated my statements, and also provided fraudulent activity by management on my account. Thank you for your time.
07/26/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 27607	Web
Hello, The debt collection agency is attempting to collect interest on a debt in which the originally debt/ contract ( it is housing ) does not have debt. I have reached out to them to get it resolved, they submitted proof that there is no interest on the originally contract but will not remove the interest. The debt itself is also not viable since I receive a pay or quit notice when rent was not even late and after I filed a complaint for unlivable housing conditions.
11/02/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	NY 10065	Web
I moved out of an apartment building in XXXX of 2021. My last communication with them was an inquiry about when I will find out if there are damages to the apartment that I am responsible for. I never heard from them again. I still to this day have received XXXX contact or notice of a debt. The only reason I know about it is because it showed up on my credit report that I was sent to collections. No one has contacted me, prior to getting sent to collections or after.
08/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08527	Web	Older American
I signed as guarantor for an apartment for a year starting in XX/XX/XXXX to XX/XX/XXXX. I ensured all rent was paid through the agreement I signed. The renter extended the rental beyond the time I guaranteed. The property advised me there was nothing needed from me to end my commitment once the time expired. the debt collector has made every possible effort to collect from me not wanting to accept the signed notarized agreement with begin and end dates as valid.
04/03/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 780XX	Web
Columbia Debt Recovery made false statements in response to XXXX complaint. They responded CONSUMER CONFIRMED HE REVEICED OUR PROOF OF DEBT CONSISTING OF THEIR SODA AND LEASE, DISAGREEING WITH IT DOES NOT MEAN IT IS NOT OWED. CONSUMER INFO ALREADY PUT ON CEASE AND DESIST The company has falsely stated that proof of debt was supplied. The information they supplied does not provide proof of debt. I have asked for satisfactory proof of debt but they will not respond.
09/25/2023	Yes	Debt collection Rental debt	Electronic communications Frequent or repeated messages	CA 91784	Web
Received a letter early XXXX and phone calls on XX/XX/XXXX. Requested on the phone that day to send an itemized bill, I never received it. Went online and sent in a contact request asking for an itemized bill about a week ago, I still never received it. Got a robot phone call on XX/XX/XXXX asking me to pay the bill, didnt get to speak to a person to ask for the itemized bill. Also sent in another contact request asking for the itemized bill on XX/XX/XXXX.
11/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98258	Web
XX/XX/2023 I'd contact the property manager at XXXX XXXX XXXX, 2nd attempt to gain insight. I left my information for someone to contact me. I spoke with a general manager gave him my social and name he confirmed that I never lived at that residence nor have I applied. The amount that is owed {$9700.00}, I've contacted the collection agency as well to ask them for proof, I did not receive any information. I would like this removed from credit report.
04/06/2020	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	OR 97005	Web
ADDITIONAL INFO Genesis Credit Management Calling me every time asking me if I have received a tax return, asking me to tell my son to go and get loan from the bank and Suggesting the bank too, everyday keep calling and stressing me up. All the time he keep asking for my tax refund all the time and asking me to send my tax return to pay for the debts, am tired of this person calling me all the time everyday and also give me the personal cell phone number
07/30/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NC XXXXX	Web
a years worth of collection robo calls to my number. I have excellent credit and have no out- standing debt. genesis debt collection agency out of washington state. a bout a year prior i received messages to my then new number ( still current number ) from a landlord trying to get money, obviously from the numbers previous owner. i do not want to speak to these people since i read much disturbing information about them. plus it has nothing to do with me.
10/09/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive notice of right to dispute	NV 89122	Web
My bestfriend at the time, Used my name on an apartment without my consent, being, she had all my information inside of a computer I knew nothing about, I wasnt aware of the debt until she moved out one day and i received fees to my mailbox. I contacted her and she said she was going to pay to break the lease but never did and it ended up resulting in an eviction. I was living in XXXX XXXX XXXX at the time of this incident. Ive never lived in XXXX XXXX
09/06/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 19145	Web
GENESIS Credit Manag {$17000.00} is reporting inaccurate information. The debt is completely WRONG! I even sent proof of my lease, to this credit management company and was told this would be removed. Which is STILL on my report! XXXX XXXX XXXX is committing fraud! Even tried to get a rental assistance funding in my name as well. For not wanting to renew my lease another year, which i got a lawyer involved in. PLEASE DELETE FROM MY CREDIT REPORT!
07/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30096	Web
GENESIS CREDIT MANAG XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Reported that I had a collection at an apartment that I never stayed at. Collection agency has no proof that I stayed at this apartment and will not provide any proof or remove from my account. In addition, this collection agency is fraudulently raising the amount that is said that I owe every month. Collection agency will not remove fraudulent claim from my credit report.
03/25/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77065	Web
COLUMBIA DEBT RECOVERY IS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY A COLLECTION STATUS AND COLUMBIA DEBT RECOVERY IS STILL TRYING TO COLLECT. I even submitted a cease and desist. I attach the letter too and they could not provide the promissory note of this alleged debt. COLUMBIA DEBT RECOVERY is in violation of 12 CFR 1022.41 ( d ) integrity. I need this account DELETED now!
09/23/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34471	Web
CFPB + Columbia Debt Recovery LLC, dba Genesis, On a recent review of emails - I received an email from this collection agency listed above - I owe a debt that is unfamiliar to me. attached to this complaint are : - copy of my drivers license for ID as well as address - copy of my written complaint I am requesting this debt to be validated - and if not mine, removed from all credit reports, stop all collection tactics, and end collections.
07/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30135	Web
Columbia Dept Recovery. I have contacted company several times also request debt validation letters. Company will not respond company has never sent me anything. I have never heard of or done business with company. My rights have been severely violated. I am XXXX XXXX XXXX and stuck in a mild infested home because this company is reporting inaccurate information and fails to respond to have it removed. They are continuing to lie to bureaus.
07/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85020	Web	Older American
I gave a 60 day notice to leave the apartment building where I used to live. I left a letter in leasing office and talked with the leasing department as well but they still charged an extra month plus additional fees in order to damage my credit. This was a fraudulent and bad business practice from the landlord to charge extra at the moment of leaving the property. The lease was paid in full and always kept the contract in good standing.
05/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60605	Web
When running my credit report I notice a few collections and charge off on my account that I did not authorize a XXXX XXXX account for {$4200.00} on XX/XX/2022 and another account with Genesis Credit Management for $ {$6900.00} XX/XX/2022 The method that was use to open the accounts was a photo picture of my ID, Social Security number and drivers License was attain doing all of the transactions. All accounts was open on different dates.
07/07/2023	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	AZ 85009	Web
I sent out a debt validation letter on XX/XX/2023 Genesis Credit Management received it on XX/XX/2023 they stated to have sent out the validation request on XX/XX/2023 to the incorrect address this is a violation under the FDCPA 30 day no response.This debt collection agency has committed the following FDCPA Violations 806 : Harassment and abuse 807 : False or misleading representations 808 : Unfair Practices 809 : Validation of Debts
04/26/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78741	Web
Sometime around XXXX of last year I received a call stating that this person was a debt collector attempting to collect debt called me. He stated that if I didnt pay they would put it on my credit and I wouldnt be able to rent or find anywhere to live. He said I would be living with mommy or daddy for a long time I do not recall him ever stating his name. Also Ive been monitoring my credit and with this company the price keeps rising.
09/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	KS 67846	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
09/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28546	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
12/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33461	Web
I've been a victim of identity theft, i filed an FTC report # XXXX on XX/XX/2022. someone used my personal information for apartment leasing. now it's on my credit report. I've contacted XXXX credit bureau soon after I filed the FTC, its been more than 45 days and this collection/derogatory account is still showing up on my credit report. Account in question to be deleted is : Genesis Credit ManagXXXX XXXX XXXX XXXX XXXX XXXX
02/18/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98031	Web
I have contacted the company 3 times. Sent letters asking for proper validation of debt owing with my signature and they always send me some type of computer generated letter. The amount is for XXXX from back in 2017. According to law they need to send me documentation with my wer siganture proving this debt is mine. My husband was also told that this debt was his but yet the credit bureaus couldn't verify so it was deleted.
06/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85041	Web
We received a credit alert and discovered a charge off collection item for XXXX apartments. We had left them in 2020 and paid all fees with our deposit. We were severely surprised to hear from XXXX that there was no debt owed. Then we spoke to Genesis credit management. They claim the debt was originated from move out. We have never been notified in writing or by phone in 3 years about any debt owed. We want justice served.
05/09/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CA 953XX	Web
they keep calling and never leave a message or identifiy themselfs, i XXXX the phone number and i found out that they are genis credit and their a debt collector, but they never say what its regarding and who the creditor is, i never received a written noticed from them in the mail. please investigate them and end this abuse, i have put in several complaints but they keep calling and hanging up at least once to twice a week
06/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33401	Web
My credit report alerted me about debt collection, this account is not mine, identity theft most likely. Company name Genesis credit management Original creditor XXXX XXXXXXXX XXXX XXXXXXXX ( rental/leasing ) XXXX XXXX XXXX Mail XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX PATE OPENED XX/XX/2023 AMOUNT {$65000.00} XXXX CONTACTED XXXX DIRECTLY. THEY STATED I NEEDED TO FILE A COMPLAINT AND FOLLOW THEIR PROCESS.
09/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TN 37128	Web
In accordance with the Fair Credit Reporting act Genesis Credit Management, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions A collection account status also can not be OPEN. I, as a consumer have rights to 100 % accuracy of my credit report
11/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 334XX	Web
Please consider this as my formal complaint to the GENESIS CREDIT MANAG for allowing the fraudulent account and for not taking corrections on my credit report. I have filed FTC report with the identity theft report number XXXX.They allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent account is still reflected on my credit report.
02/23/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92651	Web
Genesis is attempting to collect a FALSE claim. The collections person outright said " I know you can afford to pay ''. This is extortion. XXXX XXXX, an apartment building is attempting to extort me to pay a completely bogus amount. They hired Genesis to collect. The collections person outright said " I know you can afford to pay ''. The building had an onsite management office and everything was handled through them.
12/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92832	Web
I have disputed this debt for months directly with the creditor and all three credit bureaus. This debt does not belong to me and a result of me being homeless in California. This is affecting my life and all they provide is contracts with signatures that don't belong to me. When you rent an apartment you must provide check stubs, photo ID, and bank statements. They have yet been able to provide me with any of them.
10/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78043	Web
In accordance with the " Fair Credit Reporting Act '' this creditor has violated my rights. Under 15 USC 1681 SEC 602 states, " I have the right to Privacy ''. 15 USC 1681 SEC 604a SEC 2 it also states the consumer reporting agency can not furnish an account without my WRITTEN instruction. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer plan as late for ANY PURPOSE.
06/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33180	Web
I was sent a Debt collection notice from COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX XXXX. The total amount for collection is {$23000.00}. I contacted the company and inquired why? They informed me that someone had been using my identity to rent a property from XX/XX/XXXX - XX/XX/XXXX in Georgia. I have never lived in Georgia nor have I given anyone permission to use my information to do so.
04/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	WA 98444	Web
I disputed and account that was sent to COLUMBIA DEBT RECOVERY LLC XXXX XXXX account # XXXX in the amount of {$12000.00} for an apartment complex I never lived in and I have already sent them my lease during the same time as the apartment complex that reported my account to the collection agency. The name of the company that reported my account was XXXX XXXX and I have never been associated with these apartments
06/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 750XX	Web
I checked my credit report and noticed a collections account for an apartment complex that I've never lived at or signed a lease for. This is identity theft and fraud and they are trying to collect on a balance that I do not owe, they are unable to provide a copy of any lease or form bearing my signature, proving that I signed a lease to live there ACCOUNT : GENESIS CREDIT Original Credit : XXXX XXXX XXXX XXXX
06/04/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92591	Web
I was wrongly evicted during the pandemic. I qualified for renters assistance and the balance of my past due rent was paid in full. The collections company ( Genesis ) confirmed that the amount paid was indeed the full amount due and agree to remove the account from my credit. They made no change for about 3 months and then ANOTHER debt appeared for another XXXX which has continued to put a damper on my credit.
11/17/2023	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 201XX	Web	Servicemember
Yesterday, XX/XX/2023, COLUMBIA DEBT RECOVERY LLC DBA GENESIS attempted to collect a debt on me that they likely know is not valid. Despite me clearly explaining why the debt is not valid, their representative threaten to send this bad to credit reporting agencies to hurt my credit score. I have previously submitted a CFPB complaint against the original creditor regarding this matter, Complaint Number XXXX.
07/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30122	Web
Genesis Debt collection agency is attempting to collect a debt that is not mine. Ive filed a police report and disputed the identity fraud. XXXX XXXX then photoshopped an ID, sent it to someone who they believed were representing me, & then blamed the photoshop on me and notified me they were telling the police. If I am contacted back via email, I can forward that email with the photoshopped ID to you all.
11/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	WA 98031	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not convinced that XXXX and XXXX XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on COLUMBIA DEBT RECOVERY. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
07/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX XXXXX	Web
I have contacted XXXX and XXXX about the debt collection not being legal and in dispute. XXXX did take action but XXXX and XXXX don't seem to want to take action quickly and removed it. Although the amount is in dispute and it shouldn't be in collection, I did pay it off. I would like that to be taken off completely as it should not have been on the credit report. This is holding up my loan application
08/26/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	FL 33324	Web
The wrong amount is being asked for. They have the correct amount on the ledger. They know the amount to the XXXX. Upon speaking to a representative they advised me that they want to first validate the debt. They said they will contact me with the results and if needed I could present proof of correct amount. They did not attempt to call me to ask for the correct amount, nor confirm with the creditor.
01/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web
There is a collection that appear on my credit report which I know nothing about, I don't have any knowledge about the debt. I'm challenging the validity of this record showing a debt that is recorded in XXXX XXXX under the FCRA, Fair Credit Reporting Act, Section 609. I am asking to verify this record. If the record can not be verified, I request the record to be remove from my account immediately.
09/29/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 786XX	Web
I have disputed the charges with the credit bureaus. XXXX as a debt collector reached out to me to provide some information such as lease, a copy of my driver license, a police report and a FTC complaint. I do not own this account and not sure why my name was on anything related to that account. I believe the crime happened in XXXX, Texas and I am living in XXXX XXXX, TX it has been now 3 years.
10/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89102	Web
On XX/XX/XXXX, a collections amount of {$3700.00} was added to my credit report from a company called Genesis Credit Management, under the creditor " XXXX XXXX ''. Indebted account was listed as opened in XX/XX/XXXX I do not recognize the owed amount, the debt collector, the creditor, nor the time that the debt was initiated. I believe this was a fraudulent collection added to my credit report.
09/08/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 93117	Web	Servicemember
I moved out of a rental property on XX/XX/XXXX and was given a final account statement 18 days later on XX/XX/XXXX for an amount of {$210.00}. I was then sent a revised statement for {$760.00} on XX/XX/XXXX which is outside of the 21 day limitation set by California Civil Code 1950.5. I have informed the collection agency of this discrepancy multiple times and no action has been taken by them.
02/04/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77025	Web
I believe this was apartment rental agreeement i was unable to comply with due to corona 19, i informed the landlord of my position, and informed them of the delay in payment, they refused to give me time, evicted me, and i was not aware of any other payments requested, i have asked for more information about this account, but i just get harrasing phone calls, but no information has been sent
05/09/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	TX 77053	Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
06/15/2021	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WA XXXXX	Web
When we last spoke, Mr.XXXX advised me that he would stop the interest that day. Year to date, interest has accrued monthly. All verbal communications with Reps has been void. I have not received any written communications as I have requested on every occasion, since the initial mishandling of a payment arrangement that never made their system, just verbally communicated on a recorded line.
08/30/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	CA 95134	Web
Amount : {$5000.00} I sent a letter to the debt company regarding to this wrong collection record on XX/XX/2023. However, I haven't receive any feedback from the debt company yet. I never live in this community before, so the debt collection record is unacceptable. I talked to the staff from the community, they confirmed that there was another person 's name exactly the same as my name.
04/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92101	Web	Servicemember
Genesis debt collection sent me a letter stating I owed a debt. I explained to them I called an emailed the original debtor and resolved this matter. They then ( Genesis ) sent me a validation letter. I showed and explained to them clearly it was an accounting error which you can see on their invoice. Genesis then took the inaccurate information and had it post to my credit report.
10/28/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 10703	Web
" XXXX XXXX '' fake name from Genesis in XXXX NY calling me 3 times within 10 minutes from different numbers and calling very estranged family members who I haven't spoken to in years harassing them after already sending a cease and desist letter. Don't know who he is but very threatening and acting aggressive. Have already contacted attorney who has dealt with this company before.
11/29/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	OR 97224	Web
On XX/XX/2023, I received a notification on my XXXX credit monitoring account that a collections account was added to my credit report, I called the collections company, COLUMBIA DEBT RECOVERY LLC DBA GENESIS, they sent me an informational email on what to do and this is one of the steps that they need to verify my identity, and that this collections account is a result of fraud.
11/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29730	Web
Columbia Debt Recovery LLC doing business as Genesis placed an item on my credit claiming that I owe {$1200.00} for a unresolved debt with a property called XXXX XXXX. The apartment was not in my name but in the name of XXXX XXXX XXXX who I happened to be dating at the time. She received a bill solely addressed to her. The lease was in her name but ended up on my credit report.
07/21/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	NY 11216	Web
A collection agency called Gensis Management put a collection account on my credit. It says medical. I have insurance and don't have any outstanding debt. I sent a request for validation but they won't send me anything. Every week they add more money to the debt. I keep getting alerts from XXXX XXXX showing that the balance has increased every few days. This is against the law
09/12/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 605XX	Web
On XX/XX/XXXX, an individual used my credit and social security number apply for an apartment. I had no knowledge of this activity and did not request for an apartment. The collection company I received the notice is called Genesis- they have been easy to work with to date to resolve this issue. The original creditor is called : XXXX XXXXXXXX XXXX Total debt is {$520.00}
10/19/2023	Yes	Debt collection Rental debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	LA 70592	Web
Columbia Debt Recovery LLC DBA Genesis Cred has ignored multiple C & D request that have been given verbly and over written email. They continue to perform automated calls and harrasing emails. They are attempting to collect the debt on behalf of XXXX XXXX Columbia Debt Recovery LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89011	Web
I received a phone call from a debt collection agency about a property that I owed money on in XXXX XXXXXXXX XXXX I live in XXXXXXXX XXXX XXXX, and have never even been to XXXX XXXX XXXX. The Collection Agency is called COLUMBIA DEBT RECOVERY LLC DBA GENESIS. I suspect that this is Identity Theft as I have never been to this property nor authorized a purchase of any kind.
01/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 294XX	Web
In accordance with the Fair Credit Reporting act XXXX Account genesis credit managementXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
08/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WA 98037	Web
My cousin falsely used my identity and signature to get a lease from an apartment complex. She didnt pay rent for 8 months and did damages to the unit. Now she owes XXXX in collections to the company and my name is on it as well. Ive spoken with the apartment company and got all the documents that they have. She signed the documents electronically due to covid.
04/02/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web
An account was fraudulently opened in XX/XX/2021, in my name, from XXXX XXXX XXXX XXXX TX. The amount accrued is {$11000.00}. The account is for a rental house in Texas, where I don't live. After receiving no payment, the debt went to collections and then placed on my credit file. I am in the process of filing a police report and having this situation resolved.
03/11/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	NY 11216	Web
I saw on my credit report a collection from Genesis Collection Agency. They never tried to contact me or anything. They just reported this error on my credit. My insurance paid the claim to the hospital. I sent information to Genesis and requested validation of the debt. They refuse to send me validation and yet they continue to report this fraud on my credit
07/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MN 55129	Web
Genesis or whoever it is uses my information without my authorization. They need to further investigate who exactly used my information. Please ask Genesis to provide the identification that was submitted to them by whoever person tried to open an account using my name as it is considered Identity Theft. I badly need your help in this manner. XXXX XXXX
02/12/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TN 37130	Web
XX/XX/XXXX & XX/XX/XXXX from XXXX XXXX for {$520.00} by XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX from Columbia debt recovery llc/ XXXX for {$1500.00} by XXXX . I wasn't given the verification documents I sent by certified mail to collection companies involved or credit bureaus, which violated the Fair credit reporting act. I asked that these accounts be deleted.
07/18/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30214	Web
Genesis /Columbia Debt Recovery is reporting a debt that was wrong and paid in a bankruptcy. I only had to pay until I moved. They also add interest to an incorrect debt monthly and report it as I have a revolving account with them When I disputed the debts on my credit reports, all have updated the information as correct when it is inc and not valid.
03/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TN 37130	Web
I had numerous inaccurate names and addresses on my XXXX credit report. I had 2 collection reports on my profile from the same company Columbia debt recovery ( Genisis ). XXXX XXXX XXXX and Columbia debt recovery never sent me validation of debt under Fair Debt Collection Practices Act. Columbia debt recovery did a hard inquiry without my permission.
09/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 981XX	Web
I was called by Columbia Debt Recovery LLC DBA Genesis ( P ) XXXX. I was informed that I was in debt collection for XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX from XXXX XXXX XXXX. Total debt including interest : {$14000.00}. I have never lived in Maryland, and this was a fraudulent account using my stolen driver 's licence and social security number.
10/03/2023	Yes	Debt collection I do not know	Electronic communications Frequent or repeated messages	GA 30331	Web
I am receiving numerous emails from COLUMBIA DEBT RECOVERY XXXX DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : ( XXXX ) XXXX MONDAY-FRIDAY XXXX TO XXXX PST stating that I owe money to a company called XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of any of these companies, do not owe any money to such company and this is harassment.
06/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10035	Web
I have no legal binding contract with Columbia Debt Recovery. They are harrasing me for money I do not owe to them. They are sending me a contract that do not have my wet signature and it do not states I owe any money to Columbia Debt Recovery. They are furnishing data on my consumer reporting stating I owe THEM ( Columbia Debt Recovery ) XXXX.
02/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92656	Web
Debt was not valid. Received multiple " final statements '' from the creditor and they continue to report mis information* Originally owed a credit of over {$1700.00}. Then false additional statements were sent saying I owed. Thy are now reporting inaccurate information to credit bureau ruining my good standing credit rating. PLEASE HELP!!
10/19/2023	Yes	Debt collection Rental debt	Electronic communications Frequent or repeated messages	XXXXX	Web
In 2020, the property management company that managed XXXX XXXX XXXX charged me me for something I didn't agree to after I moved out of the apartment. The company proceed to hand the false debt to a collection company, resulting in a massive drop in my credit score. The collection company 's name is Columbia Debt Recovery LLC, dba Genesis.
12/05/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	NV 89031	Web
I received an email from my credit report showing I had a collections from a company I didnt know. I called the number on my credit report and they said I had applied to get an apartment and took the deposit back. I own my home and knew it wasnt me that applied. They told me I needed to send proof of where I live and file a police report.
08/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 601XX	Web
Ive always received emails from XXXX XXXX but thought they were spam emails until one day I received an email from a debt collector stating that I owe to {$6000.00} which didnt make sense. I reached out thinking it was scam and to clarify that it was. Upon calling I found out it was true and that someone had definitely stolen my identity.
01/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77407	Web
Genesis Credit management claims that I owe {$260.00} due to a broken lease. After contacting them they asked me to provide them with a copy of my resident lease during the period of the broken lease. I complied, sent them my present lease for the last 3 years along with a copy of the police report yet they refuse to delete the claim.
05/23/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 953XX	Web
i have not recieved any notice in the mail from them that i owe them any money, i found out when i say a mark on my credit reports. i have emailed them through their website several time and still havent recieved a respones. if they have tried to call me it was either from a blocked or unknown number and they didnt leave any message
08/28/2023	Yes	Debt collection Rental debt	Communication tactics Used obscene, profane, or other abusive language	AL 35758	Web	Servicemember
I asked manager if I could get a copy of my receipts for the payments I have made on my debt and he was very rude and told me they dont give receipts and kept cutting me off while I was talking, he is very unprofessional, he talks to people any kind of way and this same company has provided my friend with receipts for her payments.
03/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 370XX	Web
Well I looked at my credit last month and an charge was on it for an apartment I've never been to was on it XXXX XXXX is the name I called the credit company that has the account and told them the name is columbia debt recovery/genesis and I don't see how they didn't see its not me the name of the person 's are different from mine
04/15/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33133	Web
Please reference XXXX I dont know what's going on with your. company but you closed out my complaint for no reason. I advised you guys back in XXXX that this is not my account, I send a letter and go no response back from this company, I even submitted an affidavit and got no reply im asking for a removal of this account
08/28/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	OH 454XX	Web
This debt collector has repeatedly sent me emails and updated my credit report to show a balance that I am unaware of! My final rent payment was paid in full via state agency rental assistance. I have proof! Also this debt collector is not authorized to collect debt in the state of Ohio. They are stating I owe {$520.00}
09/25/2023	Yes	Debt collection Rental debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	WA 98223	Web
Genesis credit management Placed my personal information to the public with out my Consent or knowledge I request this be taking off my credit report I did not give permission nor did I agree. I would like to see any suppose agreement they may produce. I have not given consent to share with XXXX XXXX XXXX XXXX XXXX
10/20/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	FL 33311	Web
Iam not reliable for this debt with GENESIS CREDIT MANAGEMENT company I do not have a CONTRACT with XXXX XXXX XXXX company.They did not provide me with original CONTRACT as I requested I demand this correction on my credit report this account be removed from my credit report from XXXX and XXXX accounts immediately
08/28/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 75150	Web	Servicemember
Genesis Credit Management is the collecting agency for XXXX XXXX XXXX Apartments who is the original creditor. I have never had an apartment with this creditor. They indicated that someone moved in XXXX of XXXX. I have owned and lived in my home since XXXX of XXXX and have NEVER had an apartment at this location.
04/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 752XX	Web
I AM THE VICTIM OF IDENTITY THEFT FOR A LEASE AGREEMENT. XXXX IS OWED FOR THE XXXX XXXX XXXX XXXX TX. THE ADDRESS IN QUESTION IS XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. THIS WAS PLACED IN COLLECTIONS ON XXXX THIS IS NOW UNDER COLLECTIONS WITH COLUMBIA DEBT RECOVERY LLC DBA GENESIS - XXXX XXXX XXXX XXXX WA XXXX
05/17/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	MI 48322	Web
I have an XXXX Master.Card Account number XXXX. I have notified the company that my statement has charges I didn't incur, but they won't send me an accurate statement so I can make timely payments as I always have. The company has erroneously reported my account as delinquent to the Credit Reporting Bureaus!
03/31/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75219	Web
I received information that Columbia Debt Recovery inquired into my credit about an unpaid debt for an apartment lease I was assigned to me in fraud. The lease was opened on XX/XX/XXXX and signed until XX/XX/XXXX. A move out notice was given, and the move out was XX/XX/XXXX. The apt building was XXXX XXXX.
10/26/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	MD 20784	Web
The Violence Against Women Act, a federal law provides you certain protections. Pursuant to Virginia code Va. Code 55-225.16 ( A ), ( B ) and Maryland code MD XXXX CODE ANN., REAL PROP. 8-5A-02 through 8-5A-04, an early termination of lease for victims of XXXX XXXXXXXX must be allowed without liability.
11/20/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98034	Web
I received a debt collection notice from Genesis Debt Collection. XXXX XXXX XXXX placed the collection on XX/XX/20 for {$280.00} with no explanation. I never used XXXX XXXX Services. I tried to call the company but the company has a voicemail saying no debt collection will not be discussed on the phone.
08/27/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90001	Web
On XX/XX/20 this debt collection was placed on my credit report. I have not received any documents regarding this collection, no one as attempted to contact me regarding this account. I have no knowledge of this collection, Whats so ever. This fraudulent account is negatively affecting my credit report.
11/17/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	HI 967XX	Web
No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
05/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28216	Web
I have called several times also I sent a ftc report stating that their was fraudulent information on my credit report they keep telling its closed as correct then they say its open for dispute which is it I clearly have the documents showing it was in fact identity theft by genesis credit management.
04/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60610	Web
I received an alert on my credit report saying I owed Columbia Debt Recovery {$7200.00} in collections debt. This claim is wrong and I have reported the claim as fraud to the company and in order for them to process my request, they said I needed to file an FTC complaint and then have it notarized.
09/15/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	GA 30224	Web
Company offered to release from debt in their key swap program. The key swap program allowed renter to be released from debt owed as well as any further debt if keys were returned in 7 days and surrendered apartment. They key was surrendered and they did not hold up their portion of the agreement
04/27/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	GA 30345	Web
I advised the company to stop calling me and place a cease and desist on my number, they have call multiple of times after that, i Also sent a debt validation letter stating they to validate the debt and all communication should be done through mail, and they are still calling harassing by phone
12/03/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	NY 11237	Web
I moved out of my apartment in XXXX with a {$0.00} balance on my account. Genesis Credit Management called me in XXXX of XXXX to tell me I had an unpaid debt. This debt has never been brought to my attention in three years and the other tenant of my apartment has not been contacted by Genesis.
10/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MN 55343	Web	Servicemember
My wife submitted a dispute with Columbia Debt recovery, informing them that we had given the XXXX of XXXX the two month notice, but they refused to accept it. and sent it to collection. Columbia refused to even acknowledge that we have submitted the Notice and claimed the woods to be correct
02/28/2020	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	AZ 85296	Web
Debt collector calls 4-5 times in a row. Ive asked multiple times to please call after my work hours since I can not use the phone at work. The gentlemen is very rude, sends texts messages harassing say oh so now youre not going to answer cuts me off, does not let me speak and belittles me.
05/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85282	Web
I do not owe this debt. They are trying to collect a debt that is not owed. I never received note of the debt and fees. I also have proof that was sent this not owned. I have called sent several emails. I also have voicemail saying I dont not owe this. This needs to be removed immediately.
06/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 372XX	Web
This company tries every couple of years to ruin my credit in order to get me to pay doubly for a debt that was settled out of court in 2019. They called and I informed them of this and they hung up on me. I believe their actions are purposeful. They have no right to collect on this debt.
05/27/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 95823	Web
The company is threatening me with credit reporting and has referred the account to a debt collector for debt not owed. This is a landlord tenant issue and they are trying to circumvent the proper legal action to collect deposit money not owed if any. They owe me money from my deposit.
11/20/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	GA 30318	Web
COLUMBIA DEBT RECOVERY debt {$350.00} Reason : pls verify and validate all data this inquiry was made without my knowledge or consent COLUMBIA DEBT duplicate charge RECOVERY debt {$350.00} Reason : pls verify and validate all data this inquiry was made without my knowledge or consent
06/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85281	Web	Servicemember
I TTOED TO APPLY TO AN APRTMENT ONLY TO FIND OUT THAT I WAS GOING TO BE DENIED BECAUSE OF THIS COLLECTIONS AMOUNT. AFTER LOOKING UP THE COLLECTIONS AMOUNT I FIND THAT I HAVE ONE IN FROM GENISIS THAT I NEVER HAD A ACCOUNT WITH. THE XXXX XXXX XXXX XXXX IN WHICH I ALSO NEVER STAYED IN.
04/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 338XX	Web	Servicemember
I have contacted Columbia Debt Recovery multiple time in regard inaccuracies reflecting on my credit report. I was a victim of identity theft and have already filed and FTC report and sent the Bureaus and have not received an update. Please remove this item from my credit report
11/05/2020	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	WA 99163	Web
I sent a cease and desist letter to Columbia Debt Recovery DBA Genesis indicating that the debt was fraudulent and had not lived at the property for over three years. They continued to contact me after the face via email. They have threatened to use any information against me.
06/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90019	Web
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
07/21/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 32068	Web
the company emailed me. enclosed a complete detail of what i owe with my personal information. they also identified themselves as a collection 's agency saying i owe them. this is 3rd party disclosure as they did not use any level of security identification processes at all.
12/06/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 339XX	Web
I was informed by a collection company that I have a rent debt. referring to a house that I have never lived in this location. they sent me the contracts and the signature on this contract is not mine. this is a forgery. I have proof that I was living in another location.
10/31/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28216	Web
This company XXXX XXXX is showing up on my credit report as I owed them. I have never lived there or been there I don't know if this is a mistake or identity theft but we need to have this removed and provide me with any documents so that i can further prevent this. thanks
06/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11218	Web
On XXXX XXXX XXXX I checked my credit report and found a debt collector called " Columbia Debt Recovery '', original creditor " The XXXX ''. This is not my debt. I disputed it with XXXX. I called the debt collector on XXXX, they are sending me a fraud packet via email.
11/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NJ 088XX	Web	Servicemember
I don't know who or what this is. When trying to verify, all they could verify was my name, social and past address. Problem is... I'm a victim of the XXXX breach back in the day so all of this information is verifiable. I have pending litigation against this company.
06/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA XXXXX	Web
The info being reported is incorrect According to FCRA the statue limitation has past. Original date being reported is incorrect. Aside from the fact it is not valid No documentation has been received proving the accuracy. No response regarding the proof of accuracy
09/05/2023	Yes	Debt collection Rental debt	Communication tactics You told them to stop contacting you, but they keep trying	OR 97080	Web
We sent a certified letter dated XX/XX/2023 requesting that they cease and desist contacting us. We received a letter dated XX/XX/2023 from them alleging we claimed we were victims of fraud and requesting the documentation to prove it. We did not make such a claim.
11/01/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Old information reappears or never goes away	TX 77043	Web
XX/XX/XXXX, I tried to negotiate a settlement with the collection agency. They reduced it only nominally. I still can't pay the amount and still can not get an apartment for my family which includes a child. We are homeless because of this XXXX ( wrongful ) debt.
04/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92806	Web
Someone fraudulently use my personal information to create a RENTAL_OR_LEASING obligation with XXXX. I've never done business with them. It was also stated that I worked for a logistic company. This is not true either. I've worked for XXXX XXXX XXXX for 21 years.
04/06/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	UT 84081	Web
COLUMBIA DEBT RECOVERY LLC DBA GENESIS ( XXXX ) XXXX Has reached out via email. They are a predatory agency who has bought bad debt ( meaning not valid ). I've told them in writing to not email again on XX/XX/XXXX and they've emailed again this morning XX/XX/XXXX.
11/05/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	MO 631XX	Web
I have recently reviewed my credit report and I noticed some things on my account. I have been living in my home for 15 years and I noticed an 2 apartments on my credit that I have no knowledge of. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
08/26/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	VA 201XX	Web
my sister signed my name to her rental lease for her apartment. I told the police dept in the jurisdiction but they refused to file a report stating it's he said. she said. I then contacted the credit agency and they told me a file an FTC report which I am doing.
02/17/2021	No	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Problem with personal statement of dispute	TN 37130	Web
XX/XX/2021 Columbia debt recovery llc did an Hard inquiry for a installment loan on my XXXX credit report. This is a fraudulent charge that needs to be deleted asap. I never received documents requested by me sent by certified mail to Columbia debt recovery llc.
11/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33556	Web	Servicemember
Columbia Debt recovery posted a collections account to my credit report in XXXX. I immediately disputed it with my credit bureau XXXX and filed a a police report with XXXX XXXX XXXX office. The police report number is XXXX their phone number is XXXX XXXX XXXX
10/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	UT 84096	Web
I would want to report this hard inquiries that i have no knowledge off, as a result of identity theft and must be removed no longer than4 business days as per US 1681C-2 These are the inquiries, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
03/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98012	Web
XXXX XXXX XXXX XXXX, is trying to attempt a fraudulent debt, which XXXX XXXX XXXX XXXX, is well aware I do not owe. XXXX is claiming I owe them {$580.00}, when in fact, XXXX owes me {$980.00} for unreturned rent monies, and unreturned security deposit monies.
02/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	NC 282XX	Web
Genesis credit management is reporting that I owe XXXX $ which is incorrect I have requested XXXX verify this correct and remove it if it cant be verified please this is the fcra. Thanks in advance I also turned in a ftc report for the inquiries in my report
10/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95834	Web
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
09/24/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 770XX	Web
Genesis Credit Management has reported a {$660.00} debt they claim I owe to them. I have never had any business dealings with Genesis Credit Management. I have never purchased any goods or service, whether on cash or credit from Genesis Credit Management.
06/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10035	Web
Columbia Debt Recovery XXXX is reporting a XXXX Collection on my account when I am not liable for any debt with XXXX XXXX, and I never had no contract with Columbia Debt Recovery XXXX. They do not provide me with the original application like I asked for.
11/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 282XX	Web
I have a report that i owe this apartment complex i never stayed there nor have i have visited i have always stayed in nc I'm not sure if this a mistake of identity of identity theft but please fix it i also filed with the XXXX but no one has responded
08/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OR XXXXX	Web
Decided to check Credit Report and found Genesis Credit. I am not familiar with this company or the reason why its on my file. They don't give a clear answer as why this debt is owed. I need more info to XXXX why this debt is under my name.
10/28/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CA 90001	Web
On XX/XX/2020 I paid this debt in full with a written statement from collection agency stating that they would remove the account from my credit report. Here we are 8 weeks later and they placed the account that has been paid for back on my account.
05/24/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 37086	Web
FULL AMOUNT WAS PAID, AND DEBT COLLECTION COMPANY LISTED AS SETTLED FOR LESS : AMOUNT DUE WAS XXXX AND XXXX WAS PAID. But When I see the account statement where it shows I paid it only shows I paid XXXX. I dont know where the other {$310.00} went?
10/16/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	FL 33177	Web
I TALKED AND DISPUTED THE ACCOUNT WITH GENESIS CREDIT. XXXX XXXX XXXX XXXX THIS ACCOUNT showed UP ON MY CREDIT. I am not responsible for this collection. I spoke with them trying to solve the problem. This apartment was never my responsibility.
11/27/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	AZ 85296	Web
Per AZ statute law, A.R.S 33.1321 landlord required to send itemization of fees, charges, and deposit within 14 days of move out which I moved out by XXXX XXXX XXXX sent bill 7 months later on XX/XX/ with fraudulent charges saying I owed them.
09/11/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	GA 30068	Web
Upon checking my credit report because of other fraudulent activity, I discovered an amount of XXXX was sent to a Genesis collection agency. I called to discuss this with them and learned that someone had used my identity to apply for a lease.
10/20/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92407	Web
I did not consent, nor benefited from, or authorized any of the following accounts. 1. XXXX XXXX XXXX Account # XXXX - {$2500.00} 2. XXXX XXXX Account # XXXX - {$640.00} 3. XXXX XXXX- Account XXXX XXXX - {$84.00} 4. XXXX XXXX Account # XXXX
01/06/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90061	Web
I just receive a collect for any place Ive never lived in, I dont understand why a collection of XXXX $ on my account this is hurting me and my scoring so bad Ive been trying to fix my credit and Ive just been running into to weird problems.
05/17/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60466	Web
Hello I did a report on identity theft. Gov was hey told me thats not good enough I did a police report they told me they need a lease from where I was living at the time of incident but however I was living with someone did not have a lease
12/25/2022	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	GA 30062	Web
I received an email stating I owe a debt for an apartment at The XXXX at XXXX XXXX. I was employed with the management company who manage the property. I surrendered the unit to the management company on XX/XX/2022. I was not under a lease.
05/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75043	Web
The collections on my account are fraudulent and collection companies do not match. Please remove these accounts as they are affecting my livelihood. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
04/08/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75154	Web
XXXX at XXXX XXXX keeps attempting to collect a debt from me when I never signed a lease for their property. I was listed on someone's application but never proceeded with the lease yet I'm being charged as a joint lease account.
04/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75234	Web
XXXX XXXX XXXX is reporting a debt on my report that does not belong to me after being informed of the fact. They cant provide key identifying information and the social security of the applicant of the debt and mine different.
11/28/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	PA 19120	Web
I am writing to follow up on my previous communication last time via mail, in which I requested validation of the alleged debt that I found from my credit report. COLUMBIA DEBT RECOVERY Original creditor : XXXX XXXX XXXX XXXX
06/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 770XX	Web
XXXX is reporting a account that is not mines i have sent multiple letters, ftc, police reports, the company is responding that the account is " Verified ad Accurate '' but have not sent any documents that the account is mines.
09/21/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	FL 32205	Web
COLUMBIA DEBT RECOVERY Is saying that I owe {$1000.00}. Problem is they never contacted me and never verified if the debt was even mine, I would like this taken off my credit report ASAP. I have no idea what this is
12/03/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07030	Web
A company called GENESIS CREDIT MANAGEMENT has reported a collection account to my credit report, on behalf of XXXX XXXX an apartment complex in XXXX PA. I never lived in this apartment before, I dont owe them money
12/04/2023	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 28120	Web
Collection company bought incorrect debt. DEPOSIT was NOT applied towards balance. I have been denied housing which viloates the FCRA. GENESIS CREDIT MANAGEMEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
08/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30310	Web
XX/XX/2023, I ordered a credit report and notices an inaccurate reporting from a collection company. I've disputed the inaccuracies on my credit report and the company responded with the account being verify.
09/29/2023	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 37415	Web
Genesis Credit Management contacted me based on a landlord falsely stating I owed them money. They've reached out via email saying I owe them money and that my credit will be damaged in less than two months.
06/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38127	Web
I kept receiving calls from s company called genesis. When i finally got a chance to answer their call, it was brought to my attention that i have {$2300.00} in unpaid rent at a unit that ive never lived at.
02/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30316	Web	Servicemember
Account was paid in full, the debt collections agency was forwarded proof but is still reporting inaccurate amount and debt that was paid. I forwarded all documentation and the basically called me a liar
09/27/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60005	Web	Servicemember
Received an alert on my credit for this company, attempted to contact and they stated do not have my social on file, however, it is on my credit. I am not aware of this account and am a victim of theft
07/23/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CA 90291	Web	Servicemember
I informed this company I was represented by a lawyer, in XX/XX/XXXX. I requested they contact them directly. They continue to call and bother myself and my mother after multiple request to stop.
09/15/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	MD 207XX	Web	Servicemember
Disputing an apartment rental that showed up on my credit report, noticed XX/XX/23. This is identity theft and there are other similar alleged debts that I have gotten removed from due dilignece.
05/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21208	Web
I lived in my home for over 6 years I lived in ( Maryland ) all my life and someone used my information to get a apartment in another state I called and the person live in a different address..
11/03/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78613	Web	Servicemember
Genesis credit management {$1300.00} My apartment complex I use to live at sold their debt to this company and they dont have a license to collect in the state of Texas which is unlawful.
06/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CO 80220	Web
I had someone open an apartment under my identity in another state that I do reside, now they want XXXX XXXX from what I was told seemed like no one even moved into the unit. XX/XX/22
05/30/2023	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	TX 77064	Web	Servicemember
Fraudulent charges was mad to my account from XXXX XXXXXXXX XXXX, and Ive never lived there Ive been living at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX tx XXXX since XX/XX/XXXX XXXX
07/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32828	Web
GENESIS CREDIT MANAGEMENT Are TRYING TO COLLECT {$3100.00} FROM AN ACCOUNT THAT WAS OPEN FROM IDENTITY THEFT. I REACHED OUT TO THE COMPANY EXPLAINING THAT WAS OPEN DUE IDENTITY THEFT.
04/10/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	WA 980XX	Web
Hi dir sir Im XXXX XXXX I dont know what this soing mee I think it not mee sum thighs wrong I dont know about this what this I dont know about ant cand off debt recovery genesis
01/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33432	Web
Please account was open fraudulently without my consent. I have contacted the company numerous times to let them know. I did not authorize this account to be open under my name.
09/06/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19133	Web
I have an account in collections for Genesis Credit Management. Apparently it's another apartment application fee of {$100.00}. My credit score went down over XXXX points.
11/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90001	Web
Account was paid, company agreed to delete account. The account has been negatively affecting my credit score Ive reached out to experian and genesis to resolve this issue
03/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77449	Web
I have not receive any written notice in regards to this debt. I also dont every recall applying for anything in my personal name at the time given on my credit report
11/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MN 55343	Web	Servicemember
they are claiming we owe rent when we paid all rent before moving out. also they are misrepresenting the amount of deposit. they charged us XXXX XXXX rent deposit.
10/17/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38127	Web
This company continues to contact me for a debt that i do not owe. I have physical proof that i did not live at the address they are trying to associate with me.
10/04/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	FL 34203	Web
I was charged for a lease agreement when the lease was already voided and me and the company agreed that there will no charges because I didnt even move in.
04/03/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	NC 280XX	Web	Servicemember
XXXX was the amount and this account is not mine and was open with identity fraud I sent over a police report and lease and they still Put this on my credit
05/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07304	Web
I am a victim of Identity theft and I have reached out to XXXX, XXXX and XXXX and the companies have yet removed the inaccurate information from my report.
04/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77380	Web
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
04/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC XXXXX	Web
{$7800.00} is the amount in quest have reached out and disputed several times due to charges not being mine and negatively impacting my credit report
01/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33432	Web
This is not my account, I have never legally consent for this account to hav my information, this account is fraud and I want this off my credit asap
07/27/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MS 39759	Web	Servicemember
In XX/XX/2023 Columbia Debt Resource was sent a certified letter veritfiy ownership and proof of identidy. Columbia debt resource did not comply.
01/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 852XX	Web
XXXX XXXX in XXXX managed by XXXX charge a bogus amount on my credit and submit to Genesis Credit Magement they are trying to embezzle from me.
12/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77082	Web
I dont know nothing about this debt. report as fraud, i contacted the apartment and they advise to file a dispute to resolved this.
02/22/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77053	Web
Inquired about the collections that are reporting to the bureau, Information was provided without proven identify.
11/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32828	Web
DEBT IS NOT MINE. IM A VICTIM OF IDENTITY THEFT. COMPANY IS AWARE OF THIS MATTER, BUT CONTINUE TO REPORT.
08/04/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OR 97213	Web
I was not contacted about this dept or given a appropriate amount of time to dispute this account.
10/04/2023	Yes	Debt collection Rental debt	Communication tactics Frequent or repeated calls	WA 98087	Web
Genesis Collections is falsely using the company XXXX as their caller ID to make people answer.
02/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28546	Web
They have added numerous of collections form the same company which dont know anything about
12/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77033	Web
I have multiple accounts linked with my account that I am unaware of and want them removed.
10/10/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	NY 14206	Web
they are trying to collect a debt I do not owe. and its a third party company.
06/28/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75287	Web
I sent a letter certified mail to company to inform them of their violations.
02/09/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	ND 587XX	Web
Harassing and sending people to my place of employment. Have already settled
10/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29201	Web	Servicemember
Someone rented an apartment in my name running up a bull totaling in XXXX $
04/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77036	Web
GENESIS CRDT- not legally licensed and bonded to collect debt on my report.
12/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 291XX	Web	Servicemember
Tried to validate debt. NO SSN # validating, Wet signature is not mine!!!
09/12/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77077	Web
They are claiming its for a debt at a apartment I never stayed at.
11/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75052	Web
i do not owe this company, i do not know this company
09/25/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29229	Web
I, XXXX XXXX am a victim of identity theft
10/19/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27530	Web	Servicemember
I do not have this debt. Bogus charge.
10/14/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	FL 335XX	Web
This company is over charging me.
06/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 757XX	Web
Debt does not belong to me.
02/11/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	FL 33167	Web

02/10/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 77459	Web

02/08/2024	Yes	Debt collection Rental debt	False statements or representation Impersonated attorney, law enforcement, or government official	TN 37130	Web

02/08/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OR 97338	Web

02/08/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 77035	Web

02/08/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	MD 21117	Web

02/07/2024	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	TN 37130	Web

02/07/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CO 800XX	Web

02/06/2024	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	TX 78741	Web

02/06/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78653	Web

02/06/2024	Yes	Debt collection Rental debt	False statements or representation Impersonated attorney, law enforcement, or government official	TN 37130	Web

02/06/2024	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	TX 76502	Web	Servicemember

02/06/2024	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33756	Web

02/05/2024	Yes	Debt collection Rental debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 76502	Web	Servicemember

02/05/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	SD 577XX	Web

02/03/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33404	Web

02/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 752XX	Web

02/02/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 78259	Web

02/02/2024	Yes	Debt collection Rental debt	Communication tactics Used obscene, profane, or other abusive language	TX 76502	Web	Servicemember

02/01/2024	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 38017	Web

02/01/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 92407	Web

02/01/2024	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	VA 22150	Web	Servicemember

02/01/2024	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	OR 97005	Web

01/31/2024	Yes	Debt collection Rental debt	Communication tactics Used obscene, profane, or other abusive language	TX 76502	Web	Servicemember

01/31/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	FL 329XX	Web	Servicemember

01/31/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	IN 47711	Web

01/31/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 20878	Web

01/31/2024	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	FL 33160	Web

01/30/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80210	Web

01/30/2024	Yes	Debt collection Rental debt	False statements or representation Indicated you were committing crime by not paying debt	PA 19120	Web

01/30/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MS 39206	Web

01/30/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	IL 60619	Phone	Older American

01/30/2024	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	MI 48111	Web

01/30/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	MO 657XX	Web

01/30/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30236	Web

01/30/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	CA 91977	Web

01/30/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 78259	Web

01/30/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85024	Web	Servicemember

01/29/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78249	Web

01/29/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	GA 30319	Web

01/29/2024	Yes	Debt collection Rental debt	Communication tactics Used obscene, profane, or other abusive language	TN 37130	Web

01/28/2024	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	FL 33324	Web	Servicemember

01/28/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	GA 30101	Web

01/28/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89166	Web

01/28/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 20878	Web

01/27/2024	Yes	Debt collection Rental debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 33647	Web

01/27/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 78109	Web

01/26/2024	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	CO 80018	Web

01/26/2024	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	NV 89014	Web	Servicemember

01/26/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 782XX	Web

01/25/2024	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	AZ 85296	Web

01/25/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33907	Web

01/25/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CO 80205	Web

01/25/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 77054	Web

01/25/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 77054	Web

01/25/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75038	Web

01/24/2024	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	NY 10036	Web

01/24/2024	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	CO 80013	Web

01/24/2024	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	TX 78550	Web

01/24/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77022	Web

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10027	Web

01/24/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	WA 98275	Web

01/24/2024	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	TX 75203	Web

01/24/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	FL 329XX	Web	Servicemember

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27526	Web	Servicemember

01/23/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	WA 98058	Web

01/23/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78626	Web	Servicemember

01/23/2024	Yes	Debt collection Rental debt	Communication tactics Used obscene, profane, or other abusive language	LA 70601	Web	Older American

01/23/2024	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CO 802XX	Web

01/23/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10533	Web

01/23/2024	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 94103	Web

01/23/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92109	Web

01/23/2024	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	CA 92691	Web

01/23/2024	Yes	Debt collection Rental debt	False statements or representation Impersonated attorney, law enforcement, or government official	TN 37130	Web

01/23/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	NJ 08085	Web	Servicemember

01/23/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	WA 98684	Web

01/23/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 37064	Web

01/22/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TN 37064	Web

01/21/2024	Yes	Debt collection Rental debt	Communication tactics Frequent or repeated calls	CA 91361	Web

01/20/2024	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	FL 33907	Web

01/20/2024	Yes	Debt collection Rental debt	Written notification about debt Didn't receive notice of right to dispute	GA XXXXX	Web

01/20/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	GA 30312	Web

01/20/2024	Yes	Debt collection Rental debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85201	Web

01/20/2024	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Investigation took more than 30 days	FL 32259	Web	Older American

01/19/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	CA 94606	Web

01/19/2024	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	WA 98026	Web

01/19/2024	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	FL 34983	Web

01/19/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	NC 28205	Web

01/18/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 37160	Web

01/18/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	CA 91501	Web

01/18/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 38401	Web

01/18/2024	Yes	Debt collection Rental debt	Communication tactics Used obscene, profane, or other abusive language	TX 76502	Web	Servicemember

01/18/2024	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	WA 98029	Web

01/18/2024	Yes	Debt collection Rental debt	Communication tactics Called before 8am or after 9pm	HI 96826	Web

01/17/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 33702	Web

01/17/2024	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	TX 78744	Web

01/17/2024	Yes	Debt collection Rental debt	Communication tactics Frequent or repeated calls	TN 37043	Web

01/17/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75009	Web

01/17/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19120	Web

01/17/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TN 37863	Web

01/17/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95864	Web

01/17/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	KY 42286	Phone	Servicemember

01/17/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	DC 20002	Web

01/16/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77087	Web

01/16/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 334XX	Web

01/16/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 11937	Phone

01/15/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	WI 54911	Web

01/15/2024	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	TX 76502	Web	Servicemember

01/14/2024	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	FL 33069	Web	Servicemember

01/14/2024	Yes	Debt collection Rental debt	Electronic communications Contacted before 8am or after 9pm	FL 33069	Web	Servicemember

01/14/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29445	Web

01/13/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AL 35806	Web

01/12/2024	Yes	Debt collection Rental debt	Electronic communications Frequent or repeated messages	WA XXXXX	Web

01/12/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	CO 80220	Web

01/12/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30024	Web

01/12/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 312XX	Web	Servicemember

01/12/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 76086	Web

01/11/2024	Yes	Debt collection Rental debt	Written notification about debt Didn't receive notice of right to dispute	FL 33324	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33169	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33702	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60188	Web

01/11/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20841	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SD 57104	Web

01/11/2024	Yes	Debt collection Rental debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33137	Web

01/11/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	MN 55408	Web

01/10/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	CA 92571	Web

01/10/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20850	Phone

01/10/2024	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	NY 10036	Web

01/10/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92054	Web

01/10/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 760XX	Web

01/09/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	CA 91406	Web

01/09/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	NH 038XX	Web	Servicemember

01/08/2024	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WA 98036	Web	Older American

01/08/2024	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	IA 50131	Web

01/04/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY XXXXX	Web

01/03/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19104	Web

01/03/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 76052	Web

01/03/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	TX 782XX	Web	Servicemember

01/03/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	WA 98029	Web

01/03/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	AL 36830	Web

01/02/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 76018	Web

01/02/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	PA 195XX	Web

01/01/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33169	Web

01/01/2024	Yes	Debt collection Rental debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	ND 58801	Web

12/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31206	Web	Servicemember

12/30/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30034	Web

12/30/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	WA 99004	Web

12/30/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	TX 77339	Web

12/29/2023	Yes	Debt or credit management Credit repair services	Charged upfront or unexpected fees	FL 32208	Web

12/29/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33035	Web

12/29/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	NJ 070XX	Web

12/29/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	CO 81301	Web

12/29/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	GA 30350	Web

12/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28376	Web

12/28/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33543	Web

12/28/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43560	Web

12/28/2023	Yes	Debt collection Rental debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	AL 35806	Web

12/28/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	NC 28208	Web

12/28/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	IL 601XX	Web	Older American

12/28/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85021	Web

12/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33332	Web

12/28/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	CA 94547	Web

12/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29223	Web

12/27/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	FL 33137	Web

12/27/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 90291	Web

12/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75070	Web

12/27/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	OK 74135	Web

12/26/2023	Yes	Debt collection Other debt	Electronic communications Frequent or repeated messages	CA 95125	Web

12/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76021	Web

12/25/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	NC 27028	Web	Servicemember

12/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30305	Web

12/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30305	Web

12/24/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60646	Web

12/24/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	FL 33326	Web

12/23/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	CA 94109	Web

12/23/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	WA 98122	Web

12/23/2023	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CT 06824	Web

12/22/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75115	Web

12/22/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	CA 95023	Web

12/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	WA 98502	Web

12/21/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	WA 98144	Web

12/21/2023	Yes	Debt collection I do not know	Electronic communications Contacted before 8am or after 9pm	TX 752XX	Web

12/20/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	NY 10514	Web

12/20/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	TX 75035	Web

12/19/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 77433	Web

12/19/2023	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 94901	Web

12/19/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	AL 35806	Web

12/19/2023	Yes	Debt collection Rental debt	Communication tactics Frequent or repeated calls	VA 22312	Web

12/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 12575	Web

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23462	Web	Servicemember

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30096	Web

12/18/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	WA 98122	Web

12/18/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	CA 92121	Web

12/18/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	FL 33771	Web

12/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32855	Web

12/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33169	Web

12/15/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	FL 34221	Web

12/15/2023	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33810	Web

12/15/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	AZ 85206	Web

12/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78748	Web

12/14/2023	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78705	Web

12/13/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive notice of right to dispute	VA 20170	Web

12/13/2023	Yes	Debt collection Rental debt	Electronic communications You told them to stop contacting you, but they keep trying	OH 45440	Web

12/12/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32707	Web

12/11/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77087	Web

12/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75287	Web

12/10/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 77433	Web

12/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30346	Web

12/09/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78610	Web	Servicemember

12/08/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	AZ 85018	Web

12/08/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29316	Web

12/08/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	TX 77070	Postal mail

12/08/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	CO 81301	Web

12/08/2023	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	SC 29607	Web

12/07/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	WA 98118	Web

12/07/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	WA 983XX	Web

12/07/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75104	Web

12/07/2023	Yes	Debt or credit management Debt settlement	Confusing or missing disclosures	TX 78640	Web

12/06/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	WA 98902	Web

12/06/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive notice of right to dispute	FL 34957	Web

12/05/2023	Yes	Debt collection Rental debt	Electronic communications Frequent or repeated messages	TX 79107	Web

12/04/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 77447	Web

12/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78613	Web

12/04/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	CO 80521	Web	Servicemember

12/04/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TN 37204	Web

12/02/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	FL 33137	Web

12/01/2023	Yes	Debt collection Rental debt	Communication tactics Frequent or repeated calls	PA 19078	Web

12/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89108	Web

11/30/2023	Yes	Debt collection Rental debt	Communication tactics Frequent or repeated calls	TX 76310	Web

11/30/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 31522	Web

11/30/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	CO 80011	Web

11/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MA 02056	Web

11/29/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 77433	Web

11/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	TX 75287	Web

11/27/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	MI 48126	Web

11/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33634	Web

11/27/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11550	Web

11/27/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33647	Web

11/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76021	Web

11/24/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 77021	Web

11/24/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	GA 30316	Web

11/20/2023	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 24572	Web

11/20/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	CA 92688	Web

11/19/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	MO 65018	Web	Older American, Servicemember

11/17/2023	Yes	Debt collection Rental debt	Communication tactics Used obscene, profane, or other abusive language	AZ 85257	Web

11/16/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	GA 30909	Web

11/16/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	WA 98253	Web

11/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48506	Web

11/15/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	AZ 85143	Web

11/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 63042	Phone

11/14/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	TX 77522	Web

11/14/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	CA 92082	Web

11/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CT 06460	Phone

11/13/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	DC 20003	Web	Servicemember

11/13/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	VA 22310	Web	Servicemember

11/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85395	Web

11/13/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	MD 20748	Web

11/09/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	CO 80301	Web

11/04/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	TX 77384	Web

11/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 70401	Web

11/02/2023	Yes	Debt collection Rental debt	Electronic communications Frequent or repeated messages	MI 48025	Web

11/02/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	PR 00693	Web

11/02/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NJ 07086	Referral

10/31/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30030	Web

10/30/2023	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 20148	Web	Older American

10/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	CA 92692	Phone

10/30/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	AZ 85541	Web

10/30/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 77445	Web

10/29/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	WA 98589	Web

10/29/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	FL 32256	Web

10/28/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	NY 10514	Web

10/28/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11249	Web

10/28/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	NY 10603	Web

10/28/2023	Yes	Debt collection Rental debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	NC 28034	Web

10/27/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Billing dispute for services	CA 90068	Web

10/26/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 76177	Web

10/26/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	NY 10710	Web

10/26/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	GA 30909	Web

10/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	KS 67846	Web

10/25/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	WA 98058	Web

10/25/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 64137	Phone

10/24/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AL 35404	Web

10/24/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 78741	Web

10/24/2023	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WA 98512	Web

10/24/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	VA 22033	Web

10/24/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 78204	Web

10/23/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	CA 95955	Web

10/23/2023	Yes	Debt collection Rental debt	Communication tactics You told them to stop contacting you, but they keep trying	VA 22601	Web

10/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 79423	Web

10/22/2023	Yes	Debt collection Rental debt	Communication tactics Used obscene, profane, or other abusive language	WA 98058	Web

10/20/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	TX 79107	Web	Servicemember

10/19/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	WI 53719	Web

10/18/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	TX 77064	Web

10/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34772	Phone

10/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28262	Web

10/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34119	Web

10/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MA 02302	Web

10/12/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	NC 27587	Web

10/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90638	Web

10/11/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	NC 27587	Web

10/11/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	MS 39042	Web

10/10/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76028	Web

10/10/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	OH 430XX	Web

10/10/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85296	Web

10/10/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 78626	Web

10/09/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	NY 11554	Web

10/08/2023	Yes	Debt collection Rental debt	Communication tactics Frequent or repeated calls	CA 92020	Web

10/07/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	FL 33647	Web

10/05/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 77004	Web

10/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60440	Web

10/04/2023	Yes	Debt collection Rental debt	Communication tactics Called before 8am or after 9pm	CO 80226	Web

10/03/2023	Yes	Debt collection Rental debt	Communication tactics Frequent or repeated calls	WA 98058	Phone

10/03/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	FL 33146	Web

10/03/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75052	Web

10/02/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	MI 48161	Phone	Older American

10/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21401	Web

09/30/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	NC 27701	Web

09/29/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	GA 30294	Web

09/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77092	Web

09/28/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	WI 541XX	Web

09/27/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	CA 95051	Web

09/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90712	Web

09/25/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	FL 33351	Web

09/25/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	IN 46113	Phone

09/24/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	MN 55987	Web

09/22/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	TX 76655	Web	Servicemember

09/20/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	FL 33146	Web

09/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 22204	Web

09/20/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32082	Web

09/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30273	Web

09/19/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	NY 11421	Phone

09/18/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive notice of right to dispute	GA 30039	Phone	Older American

09/16/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CO 80516	Web

09/15/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	IL 61832	Web

09/15/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31411	Web

09/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	IL 61832	Web

09/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30273	Web

09/13/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	WA 98801	Web

09/13/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	ID 83442	Web

09/07/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	AL 36527	Web

09/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NV 89178	Web	Servicemember

09/03/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	IN 46219	Web

08/31/2023	Yes	Debt collection Rental debt	Communication tactics You told them to stop contacting you, but they keep trying	OR 97229	Web

08/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91730	Web

08/25/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	TX 75126	Web

08/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77099	Web

08/25/2023	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30233	Web	Servicemember

08/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	NY 10801	Web

08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60565	Web

08/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OR 97229	Web

08/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29301	Web

08/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75042	Web

08/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 22193	Web

08/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07112	Web

08/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07112	Web

08/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32205	Web

08/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91304	Phone

08/08/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77583	Web

08/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21239	Web

08/04/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WA 99163	Web

08/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07748	Web

08/02/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	CA 95219	Web

07/31/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 37040	Web

07/31/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TN 37040	Web

07/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33180	Web

07/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77016	Web

07/30/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 20121	Web

07/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75067	Web

07/26/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TN 37040	Web

07/26/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 90630	Phone	Servicemember

07/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94612	Web

07/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76262	Web

07/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89113	Web	Servicemember

07/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30046	Web

07/20/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 76011	Web

07/17/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 20735	Web

07/10/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75211	Web

07/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89107	Web

07/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 20723	Web

07/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 85225	Web	Servicemember

07/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 07307	Web

07/04/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28208	Web

07/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77429	Web

07/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33133	Web

07/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33035	Web

06/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27410	Web	Older American

06/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75211	Web

06/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89178	Web

06/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28215	Web

06/26/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WA 98115	Web

06/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KS 67846	Web

06/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33417	Web

06/22/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OK 73134	Web

06/22/2023	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	GA 30047	Web

06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 79928	Web	Servicemember

06/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98512	Web	Servicemember

06/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95070	Web

06/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98052	Web

06/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 20152	Web	Servicemember

06/15/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38016	Web

06/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32205	Web

06/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33169	Web

06/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 23842	Web

06/11/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MI 48322	Web

06/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60586	Web

06/08/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CO 80205	Web

06/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IN 47711	Web

06/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75211	Web

06/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30356	Web

06/05/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	OR 97213	Web

06/03/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WA 98028	Web

06/02/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32222	Web

05/31/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11510	Web

05/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	AZ 85296	Web

05/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 74871	Web

05/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 15767	Web

05/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60188	Web

05/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WI 53705	Web

05/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	OR 97838	Phone

05/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30356	Web

05/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91403	Web

05/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30356	Web

05/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60440	Web

05/19/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78741	Web

05/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OK 73170	Web	Servicemember

05/16/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	AZ 85013	Web

05/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29201	Web

05/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	UT 84770	Web

05/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	UT 84047	Web	Servicemember

05/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60449	Web	Servicemember

05/10/2023	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	MO 63301	Web

05/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WA 98032	Web

05/01/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34653	Web

04/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OR 97030	Web

04/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19067	Web	Servicemember

04/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	UT 84065	Web

04/26/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33487	Web

04/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	UT 84065	Web

04/23/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 76504	Web

04/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75068	Web

04/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78070	Web	Servicemember

04/18/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30075	Web

04/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77014	Web

04/14/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75115	Web

04/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28214	Web

04/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37221	Web

04/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20748	Web

04/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93277	Web

04/03/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NC 28451	Web

03/31/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 28226	Web

03/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33313	Web

03/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77386	Web

03/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 45504	Web

03/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78660	Web

03/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20906	Web

03/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37208	Web

03/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19301	Web

03/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 95350	Web

03/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30331	Web

03/15/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	TX 77042	Web

03/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27610	Web

03/14/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75115	Web

03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	FL 33169	Web

03/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 48322	Web

03/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32839	Web

03/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98204	Web	Servicemember

03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WV 26330	Web

03/05/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WA 98597	Web	Servicemember

03/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80023	Web

03/02/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 78412	Web

02/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30048	Web

02/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30048	Web

02/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29710	Web

02/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 18914	Web

02/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75160	Web

02/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76020	Web

02/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WA 98597	Web	Servicemember

02/15/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21702	Web

02/15/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77459	Web

02/13/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77077	Web

02/13/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 38057	Web	Servicemember

02/12/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77090	Web

02/11/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	OH 43076	Web

02/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC 29485	Web	Servicemember

02/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92886	Web

02/06/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	WA 98597	Web	Servicemember

02/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75211	Web

01/31/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77064	Web

01/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91423	Web

01/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33029	Web

01/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90260	Web

01/24/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NV 89130	Web

01/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44125	Web

01/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75067	Web

01/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89130	Web

01/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75230	Web

01/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89129	Web

01/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30236	Web

01/12/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28262	Web

01/12/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NJ 07103	Web

01/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77082	Web

01/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33069	Web

01/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77002	Web

01/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85266	Web

12/30/2022	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CO 80112	Web

12/29/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33569	Web

12/26/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 21128	Web

12/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76548	Web

12/23/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23504	Web

12/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34638	Web

12/22/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IN 47713	Web

12/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75035	Web

12/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32256	Web

12/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48067	Web

12/12/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 34472	Web

12/12/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32779	Web

12/07/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CO 80202	Web

12/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33569	Web

12/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 18914	Web

11/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NM 87507	Web

11/22/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32257	Web

11/22/2022	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	NV 89141	Web

11/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78645	Web

11/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77459	Web

11/16/2022	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	OR 970XX	Web

11/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CA 93727	Phone

11/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90278	Web

11/15/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 20720	Web

11/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78109	Web

11/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77002	Web

11/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94804	Web

11/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91205	Web

11/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 37086	Web

11/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33617	Web

11/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77407	Web

11/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28609	Web

11/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77002	Web

11/04/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 93722	Web

11/03/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60504	Web

10/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33613	Web

10/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30328	Web

10/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92108	Web

10/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	DC 20018	Web

10/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	DC 20018	Web

10/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78133	Web

10/26/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 76247	Web

10/26/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OR 97003	Web

10/26/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23059	Web

10/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77386	Web

10/25/2022	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 77027	Web

10/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89086	Web

10/17/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77082	Web

10/15/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92653	Web

10/13/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33326	Web

10/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75104	Web

10/11/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 94303	Web

10/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20782	Referral

10/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77002	Web

10/06/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30534	Web

10/03/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92119	Web

10/01/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33609	Web

09/30/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77036	Web

09/29/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 19106	Web

09/25/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 32701	Web

09/23/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MO 64117	Web

09/22/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 94303	Web

09/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MI 48214	Web

09/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07305	Web

09/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75104	Web

09/21/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77045	Web

09/20/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CA 92071	Web

09/19/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	MD 21701	Web

09/15/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85145	Web	Servicemember

09/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60608	Web

09/08/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94531	Web

09/06/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 61614	Web	Servicemember

09/06/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32701	Web

09/06/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32701	Web

09/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30004	Web

09/06/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 763XX	Web

09/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60134	Web

09/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85023	Web

09/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33411	Web

09/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85138	Web

08/30/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 31088	Web

08/29/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 31088	Web

08/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33314	Web

08/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78729	Web

08/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34421	Web

08/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 439XX	Web

08/17/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	DC 20018	Web

08/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MN 55446	Web

08/16/2022	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	CA 90066	Web

08/13/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 31088	Web

08/12/2022	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CA 91506	Web

08/10/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75007	Web

08/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43221	Web	Older American

08/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75432	Web	Servicemember

08/04/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	WA 99352	Web

08/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 20120	Web

08/02/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NH 03103	Web

08/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85138	Web

07/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77042	Web	Servicemember

07/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	IL 622XX	Web

07/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20782	Web

07/26/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	WA 98052	Web

07/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30809	Web	Servicemember

07/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46808	Web

07/21/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NH 03103	Web

07/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 86442	Web

07/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33904	Web

07/16/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NH 03103	Web

07/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60429	Web

07/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 99163	Web

07/14/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30037	Web

07/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90280	Web

07/13/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75115	Web

07/12/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60018	Web

07/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37421	Web

07/09/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33133	Web

07/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19508	Web

07/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33487	Web

07/08/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77532	Phone	Servicemember

07/01/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91405	Web

06/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33487	Web

06/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94596	Web

06/17/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 49946	Phone	Older American

06/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 37205	Web

06/03/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29301	Referral

05/31/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NM 87109	Web

05/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77069	Web

05/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	LA 70601	Web

05/24/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 95219	Phone

05/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC 29407	Web

05/21/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33035	Web

05/16/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33809	Web

05/13/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91610	Web

05/13/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77406	Web

05/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32801	Web

05/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 15202	Web

05/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75104	Web

05/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43072	Web

04/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21122	Web	Servicemember

04/28/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85396	Web

04/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CO 80205	Web

04/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77008	Web

04/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 12203	Web

04/19/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77056	Web

04/19/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78702	Web

04/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77459	Web

04/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27519	Web

04/13/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 55337	Web

04/13/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 37174	Web

04/13/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78758	Web

04/12/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75070	Web

04/08/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32086	Web	Servicemember

04/06/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27519	Web

04/06/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 55337	Web

04/02/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CO 80204	Web

04/01/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 55337	Web

04/01/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI 53590	Web

03/30/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 11590	Web

03/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07079	Web

03/26/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	ID 83709	Web

03/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90017	Web

03/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CO 80112	Web

03/22/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	PA 18974	Web

03/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77386	Web

03/17/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77045	Web

03/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89130	Web

03/11/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 10005	Web

03/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30080	Referral

02/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 27406	Web

02/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85281	Web

02/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76040	Web

02/11/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TN 38125	Web

01/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MN 55438	Web

01/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	DE 198XX	Web

01/21/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY 11216	Web

01/21/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 92586	Web

01/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27609	Web

01/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32258	Web

01/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76248	Web	Servicemember

12/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92614	Web

12/10/2021	No	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TN 37043	Web

12/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 763XX	Web

11/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 99301	Web

11/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 751XX	Web

11/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76244	Web

10/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	WA 98116	Web

10/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NE 68135	Web

10/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75219	Web

10/17/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78245	Web

10/13/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33035	Web

10/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NE 68135	Web

10/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85255	Web

10/08/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75208	Web

10/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77080	Web

09/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92545	Web

09/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33301	Web

09/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33301	Web

08/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MO 64109	Web

08/25/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 78727	Web

08/23/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 21060	Web

08/23/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92399	Web

08/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78660	Web

08/08/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 78660	Web

08/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77379	Web	Servicemember

07/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92316	Web	Servicemember

07/08/2021	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 91364	Phone	Older American

06/07/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91030	Web

05/10/2021	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	CA 95348	Web

05/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11216	Web

04/28/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WA 98116	Web

04/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98387	Web

04/07/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt		Phone	Servicemember

03/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91204	Web	Older American

03/23/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33304	Web

03/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98387	Web

03/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NE 68154	Web

03/11/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 92316	Web

03/08/2021	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 94526	Web

02/24/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	WA 98684	Phone

02/11/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WA 98107	Web

02/02/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	WA 98372	Web

01/21/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WA 98947	Web

01/18/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92109	Web

01/15/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WA 98373	Web

01/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33687	Phone

12/19/2020	No	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 95841	Web

12/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 86305	Web

12/14/2020	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 95120	Web

12/10/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75043	Phone

11/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89117	Web

10/31/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11937	Web

10/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98404	Web

09/14/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32210	Phone	Servicemember

09/08/2020	No	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language		Phone

09/02/2020	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	TX 77073	Web

08/27/2020	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 76502	Phone	Servicemember

08/13/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98003	Web

07/22/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78628	Web

07/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85014	Web

06/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85014	Web

06/21/2020	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WA 98087	Web

06/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85014	Web

05/12/2020	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	VA 23059	Web

05/12/2020	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	VA 23059	Web

05/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77508	Web

04/16/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AZ 85021	Web	Older American

04/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95030	Web

03/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30045	Web

03/05/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WA 98001	Web

03/02/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	ID 83843	Web

02/26/2020	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 07306	Web

02/16/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 95655	Web

02/10/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	WA 98387	Phone

02/07/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 95320	Web

01/29/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OR 97222	Web

11/29/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92395	Phone

08/06/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt		Phone

07/22/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33755	Web

07/09/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WA 98092	Web

06/27/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 91204	Web

06/20/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77433	Phone

05/21/2019	Yes	Credit card or prepaid card Store credit card	Fees or interest Charged too much interest	NJ 08079	Web

05/05/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	WA 98908	Web	Servicemember

04/27/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	ID 83686	Web