Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY

Complaint narrative:
Subject : Formal Dispute of Illegally Reported Collection Account Demand for Immediate Removal Details of the Disputed Account : Creditor/Collection Agency Name : Columbia Debt Recovery - Genesis Email sent in response to on XX/XX/year>, XXXX Account Number ( if known ) : XXXX Amount Reported : {$2400.00} Date I Became Aware : XX/XX/year> To Whom It May Concern, I am writing to dispute and formally request the removal of a collection account that has been reported on my credit file without any prior written notice, lawful communication, or valid basis. The collection in question was allegedly tied to my former residence at XXXX XXXX XXXX in XXXX XXXX, Florida. However, I was never provided with any written notice of collection efforts, nor was I given a chance to respond or dispute the matter in accordance with my rights. 
I only became aware of the collection entry on XX/XX/XXXX, XXXXafter it had already been reported to the credit bureaus. At no point before that date was I contacted or sent documentation regarding this alleged debt. My past written correspondence, which was submitted when this issue first arose, was never acknowledged or responded to by the property management or attorney. Given the complete silence from all parties, I assumed the matter had been resolved and that my letters served as sufficient evidence that I was wrongfully targeted and never in violation of any lease terms. 
At the time of this dispute, I was also recovering from a severe medical emergencya XXXX and XXXX XXXXwhich left me XXXX XXXX XXXX unable to fully pursue legal action. In the absence of any response, communication, or continued attempts at contact, I believed the issue had been dismissed in recognition of the fact that I had never violated my lease and had a consistent record of timely rent payments. 
Adding to the confusion is the change in management at XXXX XXXX XXXX, which raises additional concern about the legitimacy of this claim. It is still unclear which management company initiated the collection and why the new management never informed tenants in writing about any outstanding issues, as required by Florida tenant laws and federal collection statutes. 
This mishandling violates : The Fair Credit Reporting Act ( FCRA ) failure to provide proper notice and opportunity to dispute The Fair Debt Collection Practices Act ( FDCPA ) failure to validate debt before reporting My right to due process and fair housing protections under Florida law I am formally requesting : Immediate removal of the disputed collection from all three of my credit reports ; A copy of any documentation that allegedly validates this debt and explains how it was lawfully reported ; Written confirmation of your investigation results within 30 days of receipt of this letter. 


I am also in the process of filing formal complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Florida Attorney Generals Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is an attempt to rectify a harmful, unsubstantiated, and possibly illegal reporting action that has caused personal, emotional, and financial harm. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation