Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OH

Complaint narrative:
I am filing this complaint against CDR Genesis ( Columbia Debt Recovery LLC d/b/a Genesis ) for reporting and attempting to collect a fraudulent and invalid debt allegedly owed to XXXX ( landlord ) XXXX 

This account has been the subject of a previous CFPB complaint, to which CDR Genesis responded by providing a written validation of debt statement dated XX/XX/XXXX XXXX Statement provided. That response further confirms the inaccuracy of this collection and demonstrates CDR Genesiss failure to conduct a reasonable investigation.

Contradictory and Inaccurate Reporting In its prior CFPB response, CDR Genesis stated : Original Creditor : XXXX Date Placed for Collections : XX/XX/XXXX Original Balance : {$21000.00} Total Due : {$21000.00} However, CDR Genesis is currently reporting and/or attempting to collect a different amount, including figures as high as {$32000.00}, without explanation, documentation, or lawful basis. 

This material inconsistency alone renders the reporting inaccurate and misleading under the FCRA and FDCPA. 

Lease Termination Agreement Voids the Debt Entirely More importantly, no balance was legally owed at the time the account was placed for collection. 

On XX/XX/XXXX, I entered into a signed Lease Termination Agreement with XXXX, which provides that : I surrendered possession of the apartment effective XX/XX/XXXX. 

The landlord waived the balance due under the lease in exchange for surrender. 

The agreement supersedes and replaces any prior payment agreements. 

Because the balance was explicitly waived, XXXX had no lawful debt to assign or place with a collection agency months later on XX/XX/XXXX. As a result, CDR Genesis never obtained a valid, collectible account. 

Violations of Federal Law By continuing to report and attempt to collect this account after receiving both : A signed Lease Termination Agreement, and A prior CFPB dispute raising these issues, CDR Genesis is in violation of, including but not limited to : 15 U.S.C. 1692e False and misleading representation of the character and amount of a debt 15 U.S.C. 1692f ( 1 ) Attempting to collect an amount not authorized by agreement or law 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation after notice of dispute 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy in credit reporting Providing a generic balance statement does not constitute proper validation when the underlying debt has been legally extinguished. 

Demand for Resolution I am demanding the following corrective actions : Immediate deletion of the CDR Genesis tradeline from all consumer reporting agencies.

Written confirmation that no balance is owed and that all collection activity has permanently ceased. 

Correction of any information previously furnished to third parties. 

Disclosure of how a waived lease balance was allegedly converted into a collectible debt, if CDR Genesis disputes this complaint.

I have attached : The Lease Termination Agreement showing waiver of the balance. 

The XX/XX/XXXX statement provided by CDR Genesis in response to a prior CFPB complaint, which confirms inconsistent and inaccurate reporting.

Any continued reporting or collection after receipt of this complaint will constitute willful noncompliance, exposing CDR Genesis to further regulatory enforcement and civil liability.

Company response to consumer: Closed with explanation