Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NJ

Complaint narrative:
Columbia Debt Recovery LLC ( dba Genesis ) has willfully and repeatedly violated federal consumer protection laws by : Sending unauthorized electronic communications ( email ) after I explicitly instructed them to cease electronic contact ; Failing to validate and properly account for the alleged debt ; Furnishing and continuing to furnish inaccurate information to consumer reporting agencies ( and refusing to delete or correct it upon notice ) ; Refusing to provide required documentation ( including Form 1099-C if applicable ) and other validation documents.

This behavior has caused me emotional distress, disruption to my finances and credit, and is a willful violation of the FDCPA and FCRA.

2 ) Important facts / chronology ( key items for CFPB to know ) Account number : XXXX. 
Original creditor : XXXX XXXX. Placed for collections : XX/XX/XXXX. Amount listed by XXXX on XX/XX/XXXX : Original Principal {$9600.00} ; Interest {$860.00} ; Total {$10000.00}. 
On or about [ date you called and asked them to stop electronic contact ] I told a representative that they were not authorized to contact me electronically and demanded all future communications be by mail only. 
On XX/XX/XXXX I received an email/notice from Columbia Debt Recovery LLC ( dba Genesis ) offering a settlement and attempting to collect the alleged debt electronically. This email was sent after my clear directive to cease electronic contact.

I previously sent a debt validation/notice requesting validation and demanding deletion of inaccurate reporting ( copy available ). I also sent a certified mail dispute/notice to their postal address and included proof of address and ID as requested.

I have reported this conduct to the BBB and am filing this complaint with the CFPB. ( Copies of certified mail receipts, emails, and the validation letter are attached. ) 3 ) Legal bases violations alleged A. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

1692c ( c ) After I notified the collector to cease communications by electronic means, further email contact is a violation.

1692d Harassment or abuse through repeated or willful electronic communications.

1692e False, deceptive or misleading representations in debt collection communications.

I reserve the right to seek statutory damages under 1692k for willful violations.

B. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 As a furnisher, Columbia Debt Recovery LLC must not furnish information to consumer reporting agencies that it knows or has reasonable cause to believe is inaccurate. I put them on notice of the inaccuracy. Continued reporting after notice is a statutory violation. 
I demand proof that they ceased furnishing the account to CRAs and proof of any reinvestigation results. 

C. Tax/Form XXXX obligations ( if applicable ) If the account was charged off or canceled and the amount meets IRS thresholds, the creditor must issue a Form XXXX. I demand proof ( copy ) of any XXXX XXXX filed for this account. 



4 ) Relief requested/ demands ( what I want done now ) I demand the following within 10 calendar days of receipt of this complaint and direct notice : 1. Cease all electronic communications immediately. All future communications must be sent only by certified mail to the address above.

2. Immediately stop reporting this account to all consumer reporting agencies ( Equifax, Experian, TransUnion ) until this dispute is fully investigated and validated. If the account is currently being reported, delete it from my credit reports and provide written confirmation of deletion to me.

3. Provide complete validation of the alleged debt, including : original creditor contract, full chain of assignment/ownership, detailed accounting of principal/interest/fees, and proof of the right to collect. 
XXXX. Provide a copy of Form XXXX if one was issued for this account, or a written statement that no XXXX was issued. 
5. Provide a written explanation of the basis for any alleged balance and copies of any documents you claim support the debt.

6. A written, signed statement acknowledging the unauthorized email contact and confirming corrective action taken ( internal discipline, policy change, or other steps ) to prevent future unlawful electronic contacts.

7. Compensation for actual damages, including emotional distress and time lost dealing with this illegal conduct. I list this to preserve my rights ; I expect the CFPB to assess violations and recommend appropriate remedies.

8. Produce certified mail receipts and all written communications sent and received relating to this account.

Failure to meet these demands will result in escalation, including but not limited to : complaint to state Attorney General, civil claims under FDCPA and FCRA ( including statutory damages, actual damages, and attorneys fees ), and any other remedies available by law.

Company response to consumer: Closed with explanation