Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Landlord ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) violated my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and reported a false debt on my credit report and submitted it to multiple collection agencies that have contacted me for payment ( XXXX XXXX XXXX Columbia Debt Recover LLC, dba Genesis ) and has violated the Fair Debt Collection Practices Act ( FDCPA ) by submitting inaccurate debt information. I have disputed the information directly with original creditor and sent Debt Validation request but they failed to validate. Also disputed credit bureaus to remove the debt and would like to take legal action against the landlord for submitting inaccurate debt information and violating my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 XXXX XXXX XXXX sent an email with an Itemized Statement of Security Deposit on XX/XX/year>2024 and to contact XXXX XXXX department regarding charges or making payments. I responded by email on XX/XX/year>2024, to dispute the charges and submitted pictures as proof as to why I felt the charges were false. On XX/XX/XXXX I received an email from XXXX XXXX XXXX  on behalf of XXXX XXXX  saying I had a balance of {$49000.00} and provided a link to make a payment. I responded to XXXX XXXX on XX/XX/XXXX to dispute the debt and sent a Debt Validation letter requesting XXXX XXXX to provide me with clear and convincing evidence that I have a legal obligation to pay them and/or the original creditor for the amount in the dispute. XXXX XXXX responded on XX/XX/year>2024 that the dispute was reviewed, the debt was correct, and I still owed it. Later on XX/XX/year>2024 I was contacted through email by Columbia Debt Recovery DBA Genesis Collections for a debt in the amount of {$47000.00}, which I assumed was a scam through XXXX XXXX XXXX XXXX in another fraudulent attempt to collect the false debt. 
I dont owe the debt because there was a court judgement in my favor from the unlawful detainer case filed by XXXX XXXX XXXX The Judgement stated I did not owe XXXX XXXX  and they take nothing in the court Judgement granted in my favor because XXXX XXXX XXXX received double payments from me and multiple rental assistance programs during Covid, added erroneous charges to inflate the balance owed, failed to properly carry forward payments and pursued eviction of non-payment for months they received payment for. This was determined by me providing proof of payments by bank statements, Payment Confirmation emails & ledger from online renters portal XXXX, ledgers from the rental assistance programs and ledger from XXXX XXXX XXXX XXXX that was submitted to me and the court, that clearly showed they received double payments for multiple months and did not carry forward the payments along with adding erroneous charges to inflate the balance.

Company response to consumer: Closed with non-monetary relief