Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis

Complaint narrative:
Columbia Debt Recovery LLC DBA Genesis is collecting and furnishing a disputed apartment-related collection account in the amount of {$4600.00}, account number XXXX, arising from a claimed post-move-out flooring charge from XXXX XXXX / XXXX XXXX XXXX, New Jersey XXXX I dispute both the accuracy of the amount and the fairness of attributing the full balance solely to me. The XX/XX/XXXX final account statement itself listed XXXX XXXX, XXXX XXXX, and XXXX XXXX, yet the full post-move-out balance was directed only to me. The lease 's Shared Apartment Addendum states that common-area damages are to be assessed to all tenants in equal portions unless all tenants agree otherwise on the final inspection form. I have not been provided any final inspection form signed by all tenants assigning the full charge to me. The underlying flooring-replacement charge was never properly substantiated. The final account statement itself states " See the itemized charges for a complete listing of the work, '' but no such itemized listing was ever provided, the only charge shown is a single lump-sum line reading " Damage Charges Flooring Replacement - XXXX {$5500.00} '' with no breakdown of materials, labor, square footage, or scope of work. This conflicts with the lease 's own requirements. Paragraph XXXX states : " XXXX will give XXXX a written list of charges that were deducted from the Security Deposit. None of these steps were followed. I was not provided photographs, contractor invoices, inspection records, or other reliable proof establishing tenant-caused damage or supporting the amount claimed. The charge is also inconsistent with documented water and AC problems in the unit responsible by the landlord, including a XX/XX/XXXX report of flooding from the apartment above and XX/XX/XXXX service requests reporting water coming out of the AC and ongoing AC malfunction after multiple repair attempts ( my requests for these services with explanations attached ). Genesis has been on notice of this dispute multiple times. I sent a written dispute in early XXXX. Attorney XXXX XXXX XXXX sent dispute and cease-and-desist letters on XX/XX/XXXX. Under 15 U.S.C. 1692g ( b ), Genesis was required to cease collection activity and obtain verification of the debt before resuming. Genesis never provided substantiated verification, yet the account continued to be reported. It was still appearing on my credit reports in XX/XX/XXXX, when it contributed to a XX/XX/XXXX adverse housing action ( denial of the XXXX XXXX apartment in XXXX, Colorado, Ref # XXXX ) through a XXXX XXXX screening report. This is causing current and concrete harm. I was denied housing close to my workplace while relocating for a XX/XX/XXXX faculty physician appointment. The disputed Genesis account is also harming my credit profile more broadly : approximately XXXX credit card applications have been denied, leaving me limited to a single secured credit card with a {$500.00} limit backed by a {$500.00} deposit ; I was refused a more favorable auto loan rate ; and the account is preventing me from obtaining a mortgage all despite stable employment as a practicing physician. To summarize the violations : Genesis has continued to collect and furnish a disputed debt without ever providing verification as required by 15 U.S.C. 1692g ( b ) ; has reported an amount that is inaccurate and unsubstantiated, in violation of 15 U.S.C. 1692e ( false or misleading representation ) and 15 U.S.C. 1692f ( unfair practices ) ; and has failed to correct reporting after receiving multiple written disputes, in violation of 15 U.S.C. 1692e ( 8 ). Despite written disputes from both me and my attorney. I have retained all documentation and am prepared to pursue this matter through federal litigation under the FDCPA and FCRA if Genesis does not resolve it.

Company response to consumer: Closed with explanation