Consumer complaint received 2025-07-03 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: AZ

Complaint narrative:
Complaint Description : I am filing this complaint due to the continued collection and credit reporting of a disputed rental debt that has never been validated, despite multiple formal written requests and serious concerns about the legal basis and accuracy of the charges. 

On XX/XX/XXXX, I submitted a formal dispute to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding charges allegedly owed after I was forced to vacate my former rental unit at : XXXX XXXX XXXX XXXX Unit XXXX, XXXX XXXX XXXX CO XXXX XXXX debt stems from a XXXX Notice to Quit issued in XX/XX/XXXX based on an alleged violation of the Crime-Free Lease Addendum involving my co-tenant, XXXX XXXX XXXX, who was XXXX XXXX XXXX lease. 

However : - No formal charges were ever filed against XXXX XXXX XXXX. 
- The allegations were dropped due to lack of evidence. 
- The incident later resulted in a civil rights lawsuit against the XXXX XXXX Police Department for excessive force. 
- There was no finalized or public police report at the time the notice was issued. 
- The property XXXX never disclosed how or from whom they received the information used to justify eviction. 
- I was not involved, not charged, and not given the opportunity to respond, cure, or review any allegations. 

Following the initial dispute, I sent a second notice including a XXXX request for response. That message, addressed to the property XXXX and the XXXX XXXXhey claimed to have notified, was completely disregarded. A third and final notice was issued warning that a formal complaint would be filed with the Consumer Financial Protection Bureau if no response was received by XX/XX/XXXX. No response or documentation was ever provided. 

Violation of Legal Standards : Under Colorado Revised XXXX XXXX ( XXXX ) ( a ) : In any action for possession under this section, the XXXX  has the burden of proving the occurrence of a substantial violation by a preponderance of the evidence. 

No such burden was met or even attempted. I specifically requested the following in my XX/XX/XXXX dispute letter : XXXX. A complete itemized statement of all charges being claimed XXXX. Vendor receipts or third-party invoices for cleaning, repairs, or replacements XXXX. A copy of the XXXX XXXX XXXX signed by me ( if applicable ) XXXX. Any police reports, incident summaries, or records used to justify the XXXX Notice XXXX. All correspondence or communication with law enforcement regarding this incident XXXX. A copy of the final account statement, including how my security deposit was applied XXXX. Documentation of any rental assistance funds accepted on my behalf XXXX. Clarification of how the alleged violation was reported, including : - Who made the report or complaint - What evidence or documentation was provided - How the claim was verified or substantiated prior to issuing the eviction notice None of this documentation was provided. 

I also question the validity and fairness of the alleged charges, particularly in light of the following : - I was a resident in good standing for XXXX full years - A recent annual walkthrough inspection had just been completed, with no significant issues noted - I was told I had been approved for another lease term shortly before the incident - There was no indication of any damage or lease violations during that time- The charges now being claimed appear to disregard normal wear and tear and may reflect inflated or unsupported damage claims Ongoing Collection and Reporting Activity : Despite the failure to validate the debt and the legal deficiencies in their process, the property XXXX or affiliated agencies : - Reported the debt to all three major credit bureaus - Ignored my written dispute and exceeded the XXXX deadline to respond - Caused the debt to be marked as verified by XXXX XXXX XXXX XXXX XXXXhe amount XXXX has continued to increase, without any justification or proof The collection account is inaccurately reported with a date of XX/XX/XXXX, which is over a year after the actual move-out date of XX/XX/XXXX. This discrepancy further suggests a delay in reporting and lack of validation at the time of placement or assignment to collections. 

This constitutes a clear violation of both the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation