Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Other 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: TX

Complaint narrative:
Columbia Debt Recovery ( XXXX ) is reporting a collection account on my credit report for charges from XXXX ( XXXX XXXX Apartments ). I was never provided a final itemized bill, deposit accounting, moveout statement, or proper notice before the debt was assigned to collections. My email correspondence with XXXX from XXXX XXXX XXXX shows I repeatedly requested the final statement and was told it was not completed. I was never given the opportunity to review or dispute any charges. I requested validation from the collector, but they have not provided : The original lease Itemized charges Deposit accounting Proof of assignment Proof of notice Documentation showing I owe the amount This violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that the CFPB require the collector and UDR to provide full validation or remove the account from my credit reports. -- -- -- -- -- -- -- -- -- -- -- -- -I TOLD COLUMBIA DEBT RECOVERY EXACTLY : -- -- -- -- -- -- -- -- - To : Columbia Debt Recovery XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, WA XXXX Email XXXX optional XXXX : XXXX / XXXX Subject : Debt Validation Request FDCPA 1692g Body : I am formally disputing the alleged debt associated with my name and requesting full validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I do not acknowledge this debt and request that all collection activity cease until proper validation is provided. I was never provided a final itemized bill, deposit accounting, moveout statement, or proper notice before this debt was assigned to collections. My documented email correspondence with UDR shows I repeatedly requested the final statement and was not given the opportunity to dispute or verify any charges. Please provide the following : The original signed lease The moveout statement A full itemized list of charges Deposit accounting and how funds were applied Proof of assignment/authorization from XXXX Proof of notice sent to me Documentation showing I am legally responsible for the amount claimed Until full validation is provided, you must cease all collection and credit reporting activity. If you can not validate the debt, you are required to remove it from all credit bureaus. Sincerely, XXXX XXXX To : Columbia Debt Recovery XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, WA XXXX XXXX ( XXXX ) : XXXX / XXXX Subject : Debt Validation Request FDCPA 1692g Body : I am formally disputing the alleged debt associated with my name and requesting full validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I do not acknowledge this debt and request that all collection activity cease until proper validation is provided. I was never provided a final itemized bill, deposit accounting, moveout statement, or proper notice before this debt was assigned to collections. My documented email correspondence with UDR shows I repeatedly requested the final statement and was not given the opportunity to dispute or verify any charges. Please provide the following : The original signed lease The moveout statement A full itemized list of charges Deposit accounting and how funds were applied Proof of assignment/authorization from XXXX Proof of notice sent to me Documentation showing I am legally responsible for the amount claimed Until full validation is provided, you must cease all collection and credit reporting activity. If you can not validate the debt, you are required to remove it from all credit bureaus. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation