Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MI

Complaint narrative:
3rd Letter To The Debt Recovery Company Responding To Their Attempt To Try And Collect {$64.00} From Me? 

Columbia Debt Recovery, LLC DBA XXXX XXXX. XXXX XXXX XXXX, WA XXXX RE : Columbia Debt Recovery Account No. XXXX XXXX XXXX XXXX XXXX XXXXrd REQUEST To Whom It May Concern, We are sending this correspondence to you in response to the above referenced account number, for requests for statements and payment receipts. Be advised, 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.

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. We respectfully request that your office provide us with competent evidence that we have any legal obligation to pay you.

Please provide us with the following : What the money you say we owe is for ; Explain and show us how you calculated what you say I owe ; Provide us with copies of any signed papers that show we agreed to pay what you say we owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor and the signed paperwork you are alleging ; Prove the Statute of Limitations has not expired on this account ; Show us that you are licensed to collect in our state ; and Provide us with your license numbers and Registered Agent.

Please provide actual confirmation that this alleged debt is ours. Alleged services were originally rendered two years ago, unfortunately making us very skeptical, along with no updated statements or payment receipts received until this invoice.

If your offices have reported invalidated information to any Credit Bureau, said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of our credit reports by your company or the company that you represent, we will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such 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 our credit reports, we will consult with our legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

If your offices fail 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 us immediately.

Responses by Columbia Debt Recovery, LLC have been well past the thirty ( 30 ) Day time limit as allotted by the fair credit reporting act and the fair debt collection practices act. As youre not in compliance with the fair credit reporting act and the fair debt collection practices act, all references to this account must be deleted and completely removed from our credit file and a copy of such deletion request shall be sent to us immediately.

We would also like to request, in writing, that no telephone contact be made by your offices to our home or to our places of employment. If your offices attempt telephone communication with us, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and we will have no choice but to file suit. All future communications with us MUST be done in writing and sent to the address noted in this letter.

Please provide the name and address of the bonding agent for Columbia Debt Recovery, LLC in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.

You have violated my rights with regards to the laws of the fair credit reporting act, the fair debt collection practices act and the laws governing those of the United States. We will be commencing legal proceedings against Columbia Debt Recovery, LLC post-haste. As has been documented above and past, please provide the name, address and phone number of your bonding agent so we can serve them on your behalf appropriately. Failure to provide this information will only add to the current legal proceedings against Columbia Debt Recovery.

Company response to consumer: Closed with explanation