Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OH

Complaint narrative:
I am submitting this formal complaint regarding Columbia Debt Recovery / Genesis, the originating apartment complex, and the credit reporting agencies ( XXXX XXXX XXXX XXXX ) for inaccurate reporting, improper debt collection practices, and failure to comply with federal and Georgia state law. The alleged balance currently being reported is {$3600.00} ; however, this amount has been inconsistent and incorrect. At various points, I was told I owed approximately {$6000.00}, then {$4000.00}, and now {$3600.00}. Additionally, after I disputed the account, the balance was reduced by {$21.00} without explanation. These shifting balances demonstrate a lack of accuracy, proper accounting, and validation of the alleged debt. This amount originated from my former apartment complex and was later furnished to Columbia Debt Recovery / Genesis. However, the balance includes improper and unlawful charges that I do not owe. I vacated the property on XX/XX/XXXX, prior to the lease expiration date of XX/XX/XXXX. Despite this, the account reflects charges that were not prorated for the month of XXXX and includes an additional XXXX days of rent. These extra charges appear to be based solely on a XX/XX/XXXX email from the property XXXX asking whether I had moved out, rather than any actual occupancy or lease-based obligation. I had already vacated the unit before the lease ended, and the failure to prorate rent and the inclusion of additional days are not supported by the lease agreement. Additionally, the apartment complex previously attempted to charge an illegal buyout fee on my move-out ledger. I consulted with an attorney regarding this matter and have included a copy of that attorneys letter as supporting documentation. This further demonstrates a pattern of improper and unlawful billing practices associated with this account. I disputed this account with XXXX XXXX XXXX XXXX The account was not removed and was instead verified, despite the clear inconsistencies, improper charges, and supporting documentation I provided. This indicates that the credit reporting agencies failed to conduct a reasonable investigation as required under federal law. I am also formally questioning the debt collection practices of Columbia Debt Recovery / Genesis. They are attempting to collect and report a debt that has not been properly validated, includes unlawful charges, and has been presented in multiple inconsistent amounts. Furthermore, during a phone call with Columbia Debt Recovery, one of their agents threatened me with legal action regarding this disputed debt. This threat was made despite the debt being disputed and not validated. Federal Law Violations : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Section 1681e ( b ) : Requires consumer reporting agencies to ensure maximum possible accuracy. Section 1681i ( a ) : Requires a reasonable reinvestigation of disputed information. Section 1681s-2 ( b ) : Requires furnishers to conduct a meaningful investigation upon dispute. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Section 1692e : Prohibits false, deceptive, or misleading representations. Section 1692e ( 2 ) ( A ) : Prohibits misrepresentation of the character or amount of a debt. Section 1692e ( 5 ) : Prohibits threatening legal action that can not legally be taken or is not intended to be taken. Section 1692f : Prohibits unfair or unconscionable collection practices. Section 1692g : Requires proper validation of the debt and cessation of collection until validation is provided after dispute. Georgia State Law Violations : Georgia Fair Business Practices Act ( O.C.G.A. 10-1-390 et seq. ) Prohibits unfair or deceptive acts or practices in consumer transactions. Georgia Landlord-Tenant Law ( O.C.G.A. 44-7-1 et seq. ) Requires that rent and charges reflect actual obligations under the lease and actual occupancy. The continued reporting and attempted collection of an inaccurate, inflated, and unvalidated debtcombined with improper charges, failure to prorate rent, inconsistent balances, threats of legal action, and the failure of the credit reporting agencies to properly investigatehas caused significant harm to my credit profile. Requested Resolution : I am demanding the following : Immediate deletion of this account from XXXX XXXX XXXX XXXX Written confirmation that the account has been permanently removed. A full, itemized accounting of the alleged debt, including justification for all amounts previously claimed ( {$6000.00}, {$4000.00}, and {$3600.00} ), the failure to prorate XXXX rent, and the addition of five extra days. Formal validation of the debt, including documentation proving I legally owe the amount claimed. A formal investigation into the billing and collection practices of both the apartment complex and Columbia Debt Recovery / Genesis, including the attempted illegal buyout fee. A formal review of the conduct of the collection agent who threatened legal action. Documentation from the credit reporting agencies detailing the procedures used to investigate my disputes. Correction of any inaccurate or misleading information associated with this account. If this matter is not resolved, I am prepared to pursue further legal remedies and file additional complaints with appropriate regulatory authorities. I respectfully request that the Consumer Financial Protection Bureau investigate all parties involved and ensure compliance with applicable laws. Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief