Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I sent this email on XX/XX/XXXX : To Whom It XXXX Concern, This letter is sent in response to your correspondence dated XX/XX/XXXX regarding the above-referenced account. 

Pursuant to the Fair Debt Collection Practices Act, XXXX XXXX. XXXX, and the California XXXX Fair Debt Collection Practices Act, I dispute this alleged debt in its entirety and formally request full validation. Until proper validation is provided, you are required to cease all collection activity. 

Please provide the following documentation : XXXX. XXXX and XXXX Documentation A copy of the original contract or agreement bearing the original signature of both parties that allegedly created this debt. 

Identification of the type of debt ( consumer contract, lease, services, etc. ). 

XXXX. Account and XXXX XXXX XXXX complete and detailed itemized bill showing how the amount claimed was calculated. 

A full payment history on this account from inception to present, including all payments, credits, debits, adjustments, and balances. 

Detailed bookkeeping and accounting records for this account, including ledger entries reflecting how the balance was maintained and calculated. 

XXXX. XXXX XXXX and XXXX XXXX Date of default, charge-off date, and amount. 

Proof that interest and fees assessed are authorized under the contract. 

Proof that the debt has not been XXXX in bankruptcy. 

Proof of your legal authority to collect this debt, including the complete chain of title and all assignments, transfers, or purchase agreements from the original creditor to your company. 

XXXX. XXXX XXXX XXXX The name and address of the original creditor, if different from the current creditor. 

XXXX. Insurance and Third-Party Claims Documentation showing whether any insurance claim, guarantee, or third-party reimbursement ( including but not limited to XXXX coverage ) has been made in connection with this alleged debt. 

XXXX. XXXX Information Proof that Columbia Debt Recovery XXXX XXXX XXXX Genesis, held a valid California collection XXXX at the time collection began. 

Documentation confirming the debt is within the statute of limitations under California law. 

XXXX notice if the debt has been reported or will be reported to a credit bureau, including dates and agency names. 

XXXX. XXXX Collections Any prior collection attempts, including names of previous XXXX or law firms involved. 

This request is made under federal and California law and is not a refusal to pay, but a formal notice that the debt is disputed. Please provide the requested documentation in writing. I request that all further communication regarding this matter be conducted in writing only. 

Failure to provide the above documentation will constitute a failure to validate this alleged debt as required under XXXX XXXX. XXXX and California law. End of email. 

On XX/XX/XXXX I received a phone call from XXXX at XXXX stating that I have really good credit and need to get this paid because they are about to send it to my credit. She said they denied my dispute, and had just sent me an email. She continued to attempt to collect the debt even though I said that I needed to review the email. 

The email that they sent only gave me a couple of pieces of information that I lawfully asked for but left out everything else, leaving me unable to verify whether or not this is a scam. 

I had also asked them to only contact me in writing during my XX/XX/XXXX email, which they violated by calling my cell phone.

Company response to consumer: Closed with explanation