Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Columbia Debt Recovery is attempting to collect {$10000.00} for breaking a lease after my apartment was burglarized. I dispute this debt because : ( 1 ) I had legal right to terminate the lease under CA Civil Code 1946.7 after the burglary, ( 2 ) the burglary occurred due to landlord 's security negligence ( burglar used key card access ), ( 3 ) the landlord failed to mitigate damages by re-renting, and ( 4 ) I have counterclaims against the landlord exceeding this amount. The collector has not validated this debt is actually owed. 

On XX/XX/2025, I received a collection notice from Columbia Debt Recovery LLC ( dba Genesis ) attempting to collect {$10000.00} allegedly owed to XXXX XXXX ( my former landlord ). 

BACKGROUND : - My sister and I rented apartment XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX to build community as our dad lived here in the XXXX to XXXX. We both work for XXXX and XXXX, have XXXX 's from XXXXXXXX XXXX XXXX and are very involved in the community. I fought for safer shuttle drop offs for XXXX riders at my company and more shuttles to XXXX. 
- On XX/XX/2025, my apartment was burglarized while my sister and I were asleep- The burglar gained entry using a KEY CARD, indicating XXXX XXXX ' security system failure - I reported this to XXXX Police ( Report # XXXX ) - XXXX XXXX took 10 days to respond and was dismissive of security concerns- I was forced to vacate for my safety WHY THIS DEBT IS NOT OWED : 1. California Civil Code 1946.7 allows lease termination after crimes making premises unsafe 2. The burglary resulted from XXXX XXXX ' negligence in maintaining security XXXX. XXXX XXXX constructively evicted me by failing to maintain habitable/safe premises XXXX. XXXX XXXX failed to mitigate damages under CA Civil Code 1951.2 by re-renting the unit 5. I have counterclaims against XXXX XXXX for negligence, breach of contract, and emotional distress exceeding {$10000.00} ISSUES WITH COLLECTION : - Columbia Debt Recovery has not validated this debt is actually owed - They have not provided evidence I breached the lease ( I had legal grounds to terminate )- They have not shown XXXX XXXX attempted to re-rent or suffered actual damages- They are attempting to collect a disputed amount without proper validation - Their collection threatens credit damage for a debt I dispute owing ACTIONS TAKEN : - I sent a written dispute letter on XX/XX/2025 via certified mail and email - I requested validation of the debt per 15 U.S.C. 1692g ( b ) - I demanded they cease collection pending validation - I notified them of my counterclaims I am requesting CFPB investigate this matter and ensure Columbia Debt Recovery : 1. Ceases collection until they validate I actually owe this debt 2. Provides documentation showing I breached the lease without legal justification 3. Provides proof XXXX XXXX attempted to mitigate damages 4. Does not report this disputed debt to credit bureaus 5. Complies with FDCPA requirements for debt validation This appears to be an attempt to collect a debt that is not owed given my legal grounds for lease termination and the landlord 's failure to maintain safe premises.

Company Name : Columbia Debt Recovery LLC ( dba Genesis ) Date of Issue : XX/XX/2025 Account Number : XXXX Amount in Dispute : {$10000.00} Original Creditor : XXXXXXXX XXXX

Company response to consumer: Closed with explanation