Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
I am filing this complaint against Columbia Debt Recovery LLC ( dba Genesis ) for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. BACKGROUND On XX/XX/XXXX, Columbia Debt Recovery LLC sent me an initial debt collection letter claiming I owed {$1500.00} to XXXX XXXX XXXX. The letter stated that as of XX/XX/XXXX, the alleged balance was {$1300.00}, with {$64.00} in interest and {$85.00} in fees charged. The letter claimed these charges were made 'between XX/XX/XXXX and today ' but provided no itemization of what the {$85.00} in fees represented or how they were calculated. VIOLATION XXXX : FAILURE TO PROVIDE ITEMIZED VERIFICATION ( 15 U.S.C. 1692g ) Under 15 U.S.C. 1692g ( b ), a debt collector must, within 30 days of initial contact, provide verification of the debt if requested by the consumer. Verification includes an itemized statement of the amount owed. Columbia 's XX/XX/XXXX letter failed to meet this requirement by listing " {$85.00} ' in fees without explaining what those fees were for, how they were calculated, or on what dates they were charged. On XX/XX/XXXX, XXXXwithin XXXX days of Columbia 's initial contactI sent a written dispute letter to Columbia disputing the debt in its entirety. In that letter, I specifically requested that Columbia provide : ( 1 ) an itemized statement of the {$85.00} in fees, ( XXXX ) the lease agreement showing the original debt amount, ( XXXX ) documentation of how my {$500.00} security deposit was handled, and ( XXXX ) proof that I owed any rent. This was a clear and unambiguous written request for verification. Columbia 's only response came on XXXX XXXX XXXX days after my dispute request. That response was a generic acknowledgment stating : 'Your communication has been received and will be processed in the order it was received. ' Columbia provided no itemized breakdown of fees, no lease documentation, no security deposit accounting, and no verification of the debt whatsoever. This response did not satisfy Columbia 's obligation under 1692g to provide verification upon a consumer 's written dispute. VIOLATION XXXX : CREDIT REPORTING WITHOUT DISPUTE NOTATION ( 15 U.S.C. 1681s-2 ) While my written dispute with Columbia was pending ( between XX/XX/XXXX and XX/XX/XXXX ), Columbia reported the account to all three credit reporting agencies ( XXXX XXXX XXXX XXXX XXXX without including a notation that the consumer ( myself ) disputed the accuracy of the information. Under 15 U.S.C. 1681s-2 ( a ) ( 3 ), when a furnisher receives notice that a consumer disputes the accuracy of furnished information, it shall note the dispute in the report to credit agencies. Columbia 's credit report entries show the account was reported as 'Collection ' and 'Past Due ' as of XX/XX/XXXX, with status updates in XX/XX/XXXX and XX/XX/XXXX. At no point did Columbia note that I disputed this debt, despite receiving my written dispute letter on or shortly after XX/XX/XXXX. My credit report shows 'Account information disputed by consumer ' only because I independently disputed it with the credit reporting agenciesnot because Columbia notified them of my dispute. VIOLATION XXXX : CONTINUED COLLECTION ACTIVITY AFTER CEASE AND DESIST On XX/XX/XXXX, I sent Columbia a written cease and desist letter under 15 U.S.C. 1692c ( c ), demanding that Columbia cease all collection activity. Columbia received this letter on XX/XX/XXXX. Subsequent to receiving my cease and desist, Columbia updated the reported balance on my credit report to {$1300.00} as of XX/XX/XXXX ( which occurred before the XXXX XXXX XXXX but shows ongoing collection activity ). More significantly, Columbia has continued to maintain the account on my credit report without removing it or noting that I sent a valid cease and desist demand. Under the FDCPA, upon receipt of a cease and desist letter, a debt collector shall cease all collection activity except to take actions permitted by law or notify the consumer of their intent to sue. Continued credit reporting after the XXXX & XXXX constitutes continued collection activity in violation of 15 U.S.C. 1692c ( c ). HARM AND DAMAGES As a result of Columbia 's violations, I have suffered the following damages : ( 1 ) injury to my credit score and creditworthiness due to the reporting of an unverified and disputed debt ; ( XXXX ) emotional distress from the receipt of collection letters making unsubstantiated claims ; ( XXXX ) the cost and time required to dispute this debt with credit reporting agencies ; and ( XXXX ) uncertainty regarding whether this debt is valid, given Columbia 's complete failure to provide verification despite my explicit request.

Company response to consumer: Closed with explanation