Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
Im writing to address my prior complaint against Columbia Debt Recovery ( CDR ), recently filed with the CFPB ( Complaint # XXXX ), which was closed today. While CDR revised the amount they are seeking, they continue to pursue collection through XX/XX/XXXX, despite clear documentation that I vacated the apartment in XX/XX/XXXX. 

I strongly dispute CDRs claim that I remained in the unit until XXXX XXXXXX/XX/XXXX. I moved out of XXXX ( managed by XXXX ) on XX/XX/XXXX, as confirmed by the attached elevator reservation email with XXXX and other documents already provided. I was not living in the unit in XXXX. 

The only evidence CDR offers to support its XX/XX/XXXX claim is a final utility bill generated by XXXX itselfnot by any third-party utility provider. The bill explicitly states : This bill is not from your utility provider. It is being sent on behalf of XXXX. This is not valid proof of occupancy. It merely reflects that XXXX continued billing under my name after I moved out, likely due to their own failure to process the move-out in a timely manner. 

Under XXXX XXXX, landlords must issue a final accounting within XXXX days of move-out. XXXX did not issue its move-out statement until XX/XX/XXXX, nearly XXXX months after I vacatedan outright violation of the law. Adding to this, both XXXX and CDR sent all communications to the address they knew I had vacated. 

Additionally, CDRs response confirms that when they first began reporting this debt, they lacked supporting documentation for many of the charges. They only revised the amount after I submitted complaints to multiple regulators. This does not satisfy their legal obligation under FDCPA 809 ( b ), which requires timely and complete validation upon disputenot months later, and only in reaction to regulatory pressure. 

Key issues include : The original lease ended in XX/XX/XXXX, and we were month-to-month after that. CDR and XXXX attempted to charge a reletting fee, which has since been removedbut only after I complained. 

CDR initially claimed 12 % interest, which they now say is 9 %, citing vague lease language and state law. Regardless, there is no legal judgment and no agreement authorizing them to assess prejudgment interest. This has inflated the balance month after month. 

CDR mailed debt notices to the apartment I had already vacated, which undercuts any claim they gave meaningful notice of the debt or validation opportunity. 

These facts make clear the amount was inflated, unsupported, and inadequately validated. The FDCPA does not allow a debt collector to " fix '' a defective validation after the fact. They are not entitled to multiple bites at the apple. 

Finally, XXXX never reported this debt themselves. Only CDR has done so, and only after failing to validate the debt as required. Their continued reporting of this collection account is inaccurate and severely harming my credit, making it difficult to secure housing. 

I respectfully request that this tradeline be removed from all credit reporting agencies in accordance with the Fair Debt Collection Practices Act. 

Attachments included : CDRs revised balance sheet. 

Original move-out summary from XXXX ( incomplete and untimely ). 

Email showing elevator reservation for XX/XX/XXXX move-out. 

Envelope showing CDR sent notices to my vacated address. 

Copy of the final utility bill generated by XXXX, not a utility company. 

Please feel free to contact me if any further information is needed.

Company response to consumer: Closed with explanation