Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
We were misled into signing a lease for a unit we never saw, under the false promise that it was identical to the one toured. The unit we were given had no balcony or hardwood floors ( as advertised ), damaged appliances, and trash that was left by an unlisted occupant, as neither me nor my husband had left trash, or had the police present when we left the property. We were evicted after falling behind on rent. The property XXXX submitted photos of trash to justify post-move-out charges. However, we were no longer residing in the unit at the time the photos were taken, and no move-out walkthrough or inspection was conducted with us present. These photos taken by the property were used to generate an inflated charge that was later sold to XXXX XXXX without proper lease authority or notification. There is no legal proof linking us to the condition of the unit after our departure, and the landlord never provided an opportunity to contest or clean the alleged damages. The unit had a known issue with squatters and unauthorized access, which we had previously reported. After our departure, the unit was not properly secured by management, and we were not present during any inspection or documentation of the units condition. Any photos submitted by the landlord to justify additional charges were taken after we no longer had legal possession of the apartment. This creates a clear risk of third-party tampering or squatter activity contributing to the alleged damage. No inspection was performed with us present, no documentation was provided at move-out, and the charges are therefore invalid, unverifiable, and falsely attributed to us. 

Photos of the units condition upon move-in were documented by me and clearly show existing damage to the cabinets and appliances. These were never repaired during our tenancy and were falsely included in the post-move-out damages claim. These conditions were present from the start and should have been addressed during renovation or turnover. The landlord failed to remedy them and later used them to justify debt collection. This is a clear case of fraudulent charges, false representation, and abuse of the tenants financial rights. 

XXXX then charged us {$3500.00} in unpaid rent, plus damages ( e.g., painted cabinets, doors removed but preserved ), and sold that debt to XXXX XXXX XXXX. However, our lease included no addendum or clause authorizing the sale or third-party transfer of our debt or personal information. Despite this, XXXX obtained our private information and began reporting a {$12000.00} debt that does not match the original amount. This constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA 15 USC 1692c ( b ) ) and the Fair Credit Reporting Act ( FCRA 623 ), which both require accurate reporting and proper authorization. 

When I contacted XXXX to dispute this, I was mocked and dismissed. A representative told me : You dont think we get calls like this all the time? We know how to deal with people like you. They then admitted their internal ledger does not reflect the full or current amount, and that the balance has been accumulating arbitrary interest. Despite this admission, they are still reporting the full inflated balance to all three credit bureaus, knowingly reporting inaccurate and unverified information. 

I previously filed CFPB complaint # XXXX. While that case was closed, I am submitting this new report to document XXXX continued violations of FCRA and FDCPA, including : Failure to validate debt after request ( FDCPA 809 ) Knowingly reporting inaccurate tradelines ( FCRA 623 ( a ) ( 1 ) ( A ) ) Unauthorized access and use of personal information ( FDCPA 805 ( b ) ) Misrepresentation and harassment during dispute I am requesting immediate removal of this tradeline from all credit reports. Documentation of the lease, rebuttal letter, and XXXX written admission is attached. 
XXXX is in direct violation of FCRA 623 ( a ) ( 1 ) ( A ), FDCPA 807 ( 2 ) ( A ), 15 U.S. Code 1692e ( 2 ) ( A ), 1692f ( 1 ) Unfair practices 1692g ( b ), 1692d, and 1681s-2 ( b ) ( 1 ) ( D )

Company response to consumer: Closed with explanation