Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
FORMAL NOTICE OF INTENT TO SUE DEMAND FOR FULL DEBT VERIFICATION, EVIDENCE PRODUCTION, AND IMMEDIATE DELETION OF ALLEGED ACCOUNT Re : Alleged XXXX XXXX XXXX / XXXX Account Reported XX/XX/XXXX CFPB Response Dated XX/XX/XXXX ACCOUNT # XXXX To Whom It May Concern : This letter constitutes my final notice demanding full verification and production of legally-required evidence regarding the alleged debt Columbia Debt Recovery, LLC d/b/a Genesis ( Genesis ) claims to be collecting for Greystar / Avana City North. 

Your CFPB response dated XX/XX/XXXX, asserting that this account is accurate, is legally insufficient. You failed to produce any real or lawful verification tied to me, including : No signed lease No signed application No proof of occupancy No itemized accounting No chain of assignment No photographic or documentary evidence of damages Despite multiple disputes, Genesis continues reporting this unverifiable account to Experian and other CRAs in violation of federal law. This is illegal under the FCRA and FDCPA. 

I. LEGAL BASIS FOR THIS DEMAND Your continued reporting and collection activity appears to violate : FCRA 15 U.S.C. 1681s-2 ( a ) 15 U.S.C. 1681s-2 ( b ) 15 U.S.C. 1681i 15 U.S.C. 1681n ( willful violations ) 15 U.S.C. 1681o ( negligent violations ) FDCPA 15 U.S.C. 1692e ( false representations ) 15 U.S.C. 1692f ( unfair practices ) 15 U.S.C. 1692g ( b ) ( continued collection without validation ) You are reporting an account you can not legally validate. 

XXXX. DEMAND FOR IMMEDIATE DELETION Because you have failed to provide lawful verification, you must : Delete the tradeline from XXXX, XXXX, and XXXX Cease all collection activity Provide written confirmation of deletion XXXX. MANDATORY VERIFICATION & EVIDENCE DEMAND If you refuse to delete the account, then within XXXX calendar days, you must produce EVERY item listed below. 

XXXX. Full Lease/Application Evidence Original signed lease or rental application All addenda, attachments, amendments Verified signature Timestamps and metadata XXXX. Proof of Occupancy ( if alleged ) Move-in records Key release forms Resident ledger entries XXXX. Complete Chain of Assignment Contracts showing assignment from XXXX to Genesis Signed agreements XXXX. Full, Itemized Ledger With Timestamps Every charge Legal basis Staff member who entered it PMS entry logs showing creation/modification XXXX. Move-In & Move-Out Inspection Documents Signed inspection forms Notes, comments, timestamps Staff names and signatures XXXX. Move-In & Move-Out Photos/Videos With Metadata Required : ORIGINAL, full-resolution files Date/time stamps Device metadata Proof damages occurred during my occupancy XXXX. Maintenance Logs & Work Orders All maintenance requests Work orders Vendor invoices Technician names Material receipts Labor logs XXXX. PMS ( Property Management System ) Data Export Include : Notes Ledgers Adjustments Uploaded media User logs Deleted entries Timestamp records XXXX. Resident Portal Logs All messages Notifications Maintenance requests Delivery/read timestamps XXXX. Copies of All Notices Sent to Me Every notice Proof of mailing or delivery XXXX. Sworn Staff Declarations Property manager Maintenance staff Leasing agents Anyone who claims charges originated Failure to produce these items means the debt is not legally verifiable. 

IV. SPOLIATION NOTICE You are hereby ordered to preserve all evidence, physical and digital, including emails, logs, photos, videos, and system records. Destroying any evidence will constitute spoliation and will be raised in court. 

IV. HARDSHIP CAUSED Your inaccurate reporting has directly caused : Homelessness Sleeping in my car Denial of housing Emotional distress Financial instability Your continued reporting is causing irreparable harm. 

VI. NOTICE OF INTENT TO SUE If you do not : Delete this account OR Provide full verification within 15 days I will initiate litigation seeking : Statutory damages Actual damages Punitive damages Costs and filing fees Any additional relief available under law I will also escalate to : CFPB FTC Florida Attorney General HUD ( if applicable ) Any agency with jurisdiction XXXX. REQUIRED RESPONSE All communication must be in writing only and mailed to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX Phone contact is not permitted. 

DEADLINE You have XXXX calendar days from receipt of this notice to : Delete the account OR Send the full verification package Failure to comply will result in immediate legal escalation. 

Signed, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief