Consumer complaint received 2026-01-19 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: CA

Complaint narrative:
I sent this email to Genesis on XX/XX/XXXX. 
To Whom It May 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, 15 U.S.C. 1692g, and the XXXX XXXXXXXX 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. Contract and Agreement 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 Payment History A 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. Debt Details and Legal Standing 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 discharged 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. Original Creditor Information The name and address of the original creditor, if different from the current creditor.

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

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

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

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

7. Prior Collections Any prior collection attempts, including names of previous collectors 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 email. 

On XX/XX/XXXX, I received and rejected ( came up as Scam Likely ) a call from Genesis to collect a debt. I also saw that they had sent me an email on this same day with only XXXX of the many documents that I had legally requested from them. This left me unable to fully verify this debt and leads me to believe this is a scam. I also stated in my previous email, all further contact needed to be in writing, so I was surprised to see the illegal harassing phone call.

Company response to consumer: Closed with explanation