Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
I am filing a formal dispute against Columbia Debt Recovery , LLC dba Genesis regarding a debt they are reporting related to my former apartment at XXXX XXXX in XXXX, WA. This account was placed in collections in XX/XX/XXXX, but I was not made aware of it until much later. 
On XX/XX/XXXX, I sent a certified debt validation letter to XXXX. They received it on XX/XX/XXXX, confirmed by tracking : XXXX. Under FDCPA 15 U.S.C. 1692g, they were required to provide written validation within 5 days of receiving my dispute. They did not respond until XX/XX/XXXX, and only did so through the CFPB portal after I filed a complaint on XX/XX/XXXX. Their response included : -A copy of the original lease -A partial breakdown of charges with some dates -A carpet cleaning invoice However, this response was insufficient and still violates federal debt collection laws. Specifically : -There was no full ledger showing charges by date with running balances -There was no certified or traceable mailing of the charges at move-out -There were no photos, repair documentation, or invoices for other claimed damages -There was no signed walk-through inspection, nor any proof I declined to attend -The balance was inflated with unexplained interest of over {$3000.00}, with no breakdown sent to me of how it was applied or calculated In addition to these legal concerns, I experienced financial hardship during the time of this lease due to the sudden passing of my brother. I was attempting to keep up with rent while helping with funeral costs and was denied the opportunity to make partial payments by management. I was supported in housing court by XXXX XXXX in XXXX, but the property manager refused any flexibility and cited apartment regulations without providing documentation. 
I tried to resolve the situation through good faith effort with a written letter at the time. I never received final charges or an opportunity to dispute them. Now, years later, XXXX has reported this inflated, unverifiable debt to credit bureaus, causing significant damage to my credit. 

I have attached the following files : -Timeline Summary of when dispute started -Original Certified Mail Letter sent to Genesis -Genesis Response letter ( 10 days after receipt not within 5-day legal window ) -Certified Mail receipt with tracking number listed -Lease/Charges Pages ( they didnt include proof , damage photos , signed walk-through or denial of walkthrough, or full ledger ) The documents Genesis provided included a copy of the lease and a summary of charges, but no complete ledger. They did not include a line-by-line account history, no proof of mailing, no balance adjustments, no photos or damage verification, and no signed walk-through. Therefore, the debt is still unverified. 

I am requesting : -Immediate deletion of this tradeline from all credit bureaus. 
-Written confirmation that this debt is unverified and closed -Cessation of all collection and interest activity because This account is in violation of FDCPA 1692g, 1692e, 1692c, and FCRA 1681s-2 ( b ).

Company response to consumer: Closed with explanation