Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IN

Complaint narrative:
On XX/XX/XXXX, I received a XXXX XXXX XXXX discharge in the United States XXXX XXXXXXXX for XXXX XXXX XXXX XXXX Indiana. After my XXXX discharge, Columbia Debt Recovery XXXX XXXX XXXX reported or attempted to collect an alleged apartment-related debt. The account appeared on my XXXX credit report as being opened on XX/XX/XXXX, only XXXX days after my XXXX discharge. The credit report showed an alleged original balance of approximately {$2900.00}, a reported balance of approximately {$3000.00}, a balance update date of XX/XX/XXXX, and a status update in XX/XX/XXXX. On XX/XX/XXXX, I sent Columbia Debt Recovery XXXX XXXX XXXX a written dispute and debt validation request. I requested debt validation pursuant to Section XXXX of the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. I also disputed the accuracy and completeness of the credit reporting under the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2. I requested documentation proving that the alleged debt was valid, that the amount claimed was accurate, that XXXXColumbia had legal authority to collect or report the account, and that the account was being reported lawfully. I also requested that Genesis/Columbia cease XXXX activity, delete or cause deletion of the disputed account from the consumer reporting agencies, provide written confirmation, and preserve all records related to the account. On XX/XX/XXXX, XXXX responded by email. XXXX stated that the alleged account had an original balance of approximately {$2900.00}, current principal of approximately {$2900.00}, interest due of approximately {$170.00}, and a total alleged balance of approximately {$3000.00}. XXXX also stated that the account was placed for collections on XX/XX/XXXX, and that the alleged account was accruing interest at 6.00 % per year. However, XXXX did not provide the documentation necessary to validate the alleged debt or prove its legal authority to collect or report the account. Later on XX/XX/XXXX, I sent XXXX a second written demand. I explained that XXXX response did not validate the alleged debt and that XXXX was continuing to treat the account as collectible after receiving notice of my dispute and bankruptcy discharge. I again disputed the account in full, demanded debt validation, requested proof of XXXX legal authority to collect or report the account, requested deletion or correction of any credit reporting, requested that XXXX cease collection activity, and renewed my request for resolution. Despite my written dispute and request for validation, XXXX did not provide the signed lease, signed application, signed contract, itemized ledger, proof of assignment, proof of ownership, or chain of title necessary to prove that I owed the alleged debt or that XXXX had XXXX XXXX XXXX or report it. Instead, XXXX continued to assert that money was owed and claimed interest was accruing. My complaint is that XXXX XXXX XXXX properly validate the alleged debt, continued to treat the account as collectible, and failed to promptly delete or correct the disputed account after receiving notice of my dispute and XXXX XXXX XXXX discharge.

Company response to consumer: Closed with explanation