Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC D/b/a Genesis

In XX/XX/2025, I was contacted by Columbia Debt Recovery XXXX ( doing business as Genesis ) regarding a debt of {$100.00} allegedly owed to XXXX XXXX XXXX XXXX for my residence at XXXX XXXX in XXXX, KY. I am a current resident at this property and was previously told by on-site management that this debt would be cleared internally and was the result of a billing error. Despite that assurance, the account was referred to Genesis for collection. To avoid potential damage to my credit, I paid the full amount of {$100.00} through Genesis 's payment portal. This payment was made under protest, as I had already paid all rental charges directly to the property in full and on time. My base rent during this period was {$580.00}, with additional monthly charges of {$35.00} for parking, {$5.00} for utility fees, and separate electricity charges. I have bank statements showing that these amounts were fully paid. The debt was referred in error and should never have been sent to collections.…

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XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX Debt Recoveey XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Re : Request for Debt Validation Account Number : XXXX To Whom It May Concern, I am writing in response to a collection account that has been reported under my name. I am requesting validation of this alleged debt pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Please provide the following : XXXX. The name and address of the original creditor. XXXX. The full amount of the alleged debt, including an itemization of any interest, fees, or charges. XXXX. Copies of any agreement or contract bearing my signature showing that I agreed to assume this debt. XXXX. Documentation proving that your company has the legal right to collect this debt. XXXX. Proof that the debt is within the statute of limitations. Until proper validation is provided, you must cease all collection activities and reporting of this account to any credit reporting agencies.…

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I am disputing a rental debt ( Account # XXXX ) from my former residence, The XXXX at XXXX XXXX. I have repeatedly requested debt validation, specifically photographic evidence of damages and itemized invoices from third-party contractors, as required by California XXXX XXXX XXXX. The debt collector, Columbia Debt Recovery XXXX ( DBA Genesis ), ignored my formal dispute sent on XX/XX/year>. The alleged damages ( minor carpet wear ) were caused by a structural defect a misaligned door that caught on the carpet which I had previously reported to the landlord. Under California law, this constitutes ordinary wear and tear or landlord maintenance responsibility, not tenant damage. Furthermore, the company withheld my security deposit and is now charging for a full carpet replacement without proving the carpet 's age or providing a pro-rated calculation. They have failed to provide any photos or evidence despite my multiple requests.…

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COLUMBIA DEBT RECOVERY is adding fees every month to what is owed. they are a collection agency previous amount owed was The original amount of this account was {$5600.00} Balance history XX/XX/XXXX {$6100.00} Balance {$0.00} Schedule payment {$0.00} Paid XX/XX/XXXX {$6000.00} Balance {$0.00} Schedule payment {$0.00} Paid XX/XX/XXXX {$6000.00} Balance {$0.00} Schedule payment {$0.00}

I am filing this complaint against Columbia Debt Recovery LLC ( dba Genesis ) for attempting to collect a debt that is not owed. Genesis is attempting to collect a debt of {$200.00} originating from a previous apartment lease at The XXXX XXXX XXXX. The move-out charges were fully covered by my security deposit. I previously disputed this matter with the original creditor and a prior collection agency in XX/XX/XXXX, providing proof that my security deposit was paid and sufficient to cover the final charges. When Genesis recently began reporting this account to my credit file, I disputed it with the credit bureaus ( investigation completed XX/XX/XXXX ) and sent a direct formal debt validation request to Genesis via Certified Mail in XX/XX/XXXX. I explicitly requested the move-in ledger to show how my security deposit was applied.…

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I am filing a complaint regarding an inaccurate and improperly reported collection account associated with XXXX XXXX XXXX ( XXXX ) and Columbia Debt Recovery LLC ( Genesis ). This account is invalid and should never have been placed into collections. Timeline of events : On XX/XX/year>, I toured XXXX XXXX XXXX but was only shown a model unit, not the actual unit being offered. On XX/XX/year>, my application was approved for XXXX XXXX with an expected move-in date of XX/XX/year>. After approval, the property changed the move-in date multiple times and refused to allow inspection of the actual unit prior to lease signing. Because I could not verify the condition or availability of the unit, I declined to proceed and did not sign the lease. I never took possession of the unit and no tenancy was established. Despite this, XXXX XXXX retained funds and later attempted to issue a refund through XXXX ( XX/XX/year> ), which further confirms there was no valid balance owed.…

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I am the spouse of an XXXX XXXX XXXX XXXX ( XXXX XXXX ). I am filing this formal complaint against Genesis Receivables regarding an invalid debt of {$900.00}. This same account was already investigated and DELETED from my husband 's credit report following his successful CFPB complaint # XXXX. This collection violates the Servicemembers Civil Relief Act ( SCRA ). We terminated our lease in XX/XX/year> with valid military orders. The landlord is illegally holding {$2000.00} of our funds, and their representative ( XXXX ) admitted in writing on XX/XX/year>, that insurance already covered the damages. Since the company already conceded and deleted this from my spouse 's record, I demand the same immediate deletion from my credit reports.

Validation of Debt Request - CDR GENESIS - XXXX * XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the nextXX/XX/XXXXdays : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

I am disputing Account # XXXX ( jointly associated with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). This account arises from move-out charges described by the property XXXX as standard move-out fees. Under Washington State law ( RCW 59.18.280 ), the landlord failed to provide an itemized statement and documentation of damages within the 30-day statutory window, thereby waiving the right to collect. Furthermore, these charges constitute ordinary wear and tear, which is not collectible. I have also disputed this account with XXXX XXXX and XXXX The bureaus ( XXXX XXXX XXXX ) failed to conduct a reasonable reinvestigation as required by FCRA 611 ( 15 U.S.C. 1681i ), choosing to ignore the statutory evidence provided. In addition, I made multiple good-faith attempts to resolve this matter directly with the collection agency.…

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I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law.…

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I, XXXX XXXX, am submitting this complaint regarding inaccurate and fraudulent reporting related to an account associated with XXXX XXXX XXXX XXXX and subsequent collection activity. I formally declare that accounts appearing on my credit file in connection with this matter are the result of identity theft, fraud, and/or inaccurate reporting. I did not authorize, apply for, or assume liability for the amounts currently being reported. I originally entered into a lease agreement with XXXX XXXX XXXX XXXX. Due to ongoing tenant harassment and safety concerns that began shortly after move-in and continued throughout my tenancy, I was forced to vacate the premises approximately XXXX months prior to the lease end date. I did not renew my lease, nor did I sign any extension or new agreement. Despite this, the property management company continued to bill me as if I remained in the unit for an additional full lease term after my original lease expired.…

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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XX/XX/year> To Whom It May Concern, I am requesting validation of the alleged debt referenced below, pursuant to my rights under FDCPA 809. Account Name : COLUMBIA DEBT RECOVERY I do not recognize this debt and request that you provide proper validation, including : - Proof I am legally obligated to pay - The original signed agreement - Full account history and itemized balance - Name and address of the original creditor Until you provide this information, you must cease all collection activity. If you can not validate this debt, you are required to delete it and notify all credit reporting agencies accordingly. Please send all documentation and correspondence in writing. Sincerely, XXXX XXXX

I am filing this formal complaint against Columbia Debt Recovery, LLC DBA Genesis for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) and ( b ). Columbia must report only accurate information and conduct reasonable investigations after disputes. Columbia Debt Recovery is reporting a collection tradeline on my XXXX XXXX XXXX credit reports ( Account # XXXX / ending in XXXX ). This tradeline contains materially inaccurate, inconsistent, contradictory, and unverifiable information. Evidence of inaccuracy and prior deletion : The identical tradeline does not appear on my current TransUnion report. I have attached a screenshot of my TransUnion Accounts with Adverse Information section showing no Columbia entry. I previously disputed this tradeline with TransUnion, stating the underlying debt was paid in full via cashiers check to the original apartment complex XXXX years ago. The apartment company had recorded the payment.…

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I moved out of my rental unit in XX/XX/XXXX. XXXX issued a move-out statement with a balance of {$300.00}. I initiated a written dispute in XX/XX/XXXX contesting the cleaning fee ( {$110.00} ) and requesting application of an XXXX deposit-alternative credit ( {$100.00} ) that was part of my executed lease since XXXX. XXXX acknowledged the dispute in writing and stated the account was under internal review. I provided supporting documentation in XX/XX/XXXX including the XXXX program overview and confirmation from the prior property manager. In XX/XX/XXXX, after nearly three months of review, XXXX dismissed my dispute in a single sentence stating they do not currently offer the program without addressing the contractual nature of my agreement or responding to my escalation request. I followed up in XX/XX/XXXX requesting escalation to a supervisor and confirmation the account would not be forwarded to collections while disputed.…

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Columbia Debt Recovery LLC DBA Genesis is collecting and furnishing a disputed apartment-related collection account in the amount of {$4600.00}, account number XXXX, arising from a claimed post-move-out flooring charge from XXXX XXXX / XXXX XXXX XXXX, New Jersey XXXX I dispute both the accuracy of the amount and the fairness of attributing the full balance solely to me. The XX/XX/XXXX final account statement itself listed XXXX XXXX, XXXX XXXX, and XXXX XXXX, yet the full post-move-out balance was directed only to me. The lease 's Shared Apartment Addendum states that common-area damages are to be assessed to all tenants in equal portions unless all tenants agree otherwise on the final inspection form. I have not been provided any final inspection form signed by all tenants assigning the full charge to me. The underlying flooring-replacement charge was never properly substantiated.…

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I am disputing a collection account reported by Columbia Debt Recovery related to alleged liability for property damage from a prior apartment- XXXX XXXX XXXX XXXX XXXX. I am not legally responsible for this debt. The charge arises from damage caused during a documented XXXX XXXX incident. I was the XXXX and did not cause the damage. The damage resulted from a XXXX XXXX XXXX XXXX and not from any act of tenant negligence. Law enforcement responded at the time, and a police report was generated identifying the responsible individual. A lifetime XXXX XXXX has since been issued against that individual. This was not unpaid rent or lease balance. My lease was paid in full and on time. The only charge being reported relates to alleged damage caused by a criminal act. The only documentation ever provided is a move-out statement listing 'Front door damages '' in the amount of {$1800.00}.…

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In XX/XX/year>2024, I moved out of my apartment and was informed by the leasing office that my early termination balance would be placed on a XXXXmonth payment plan. This agreement was communicated verbally by a leasing representative XXXX XXXX XXXX ), who is no longer employed at the property. However, this payment plan was never set up or honored. Within approximately XXXX month, the full balance was reported as due and sent to collections, without any prior written notice that the payment plan would not be implemented or that the account would be accelerated. I did receive a move-out statement and lease documentation from the collection agency after I requested it but there was no written documentation provided regarding the cancellation or denial of the agreed payment plan with the apartment. Since then, the account has been placed with a collections agency ( XXXX ). I attempted to resolve the matter by negotiating a settlement.…

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I co-signed for my daughter 's apartment while she was in college and during the time of her lease the apartment was flooded. XXXX XXXX was found throughout the apartment and there was ongoing issues with plumbing in the unit. My granddaughter ( age XXXX ) slipped in the kitchen after the unit flooded again and required XXXX XXXX. This matter was taken to an attorney and XXXX XXXX Apartment agreed to a settlement on XX/XX/year> at which time the settlement ( General Release of claims ) stated the following : " For the release from current lease and nay outstanding charges '' the receipt and sufficiency of which is herby acknowledged, XXXX XXXX, for it self and its dependents, and representatives, does herby XXXX and forever discharge the Released party and its representatives, officers and employees from any all debts, demands, liabilities, claims, expenses, costs, damages, causes of action, of whatever nature, legal or equitable, known or unknown as of the effective date of…

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Columbia Debt Recovery LLC/DBA Genesis is reporting to ALL 3 credit bureaus that I owe XXXX XXXX XXXX XXXX in XXXX, TX. This is not my debt and the person who the debt is for called and told them that she was the one responsible for the debt. I have No knowledge of this debt. They are reporting a balance of {$5000.00}.

I am filing this complaint against XXXXColumbia Debt Recovery regarding a collections account that has been incorrectly reported on my credit report. I previously rented an apartment managed by XXXX. In XXXX, my unit experienced significant flooding, which rendered it uninhabitable. As a result, my landlord and I reached a mutual agreement to terminate my lease early due to the uninhabitable conditions caused by the flood. Because of this mutual termination, the amount being reported as owed is incorrect and does not reflect the agreed-upon terms at the time of lease termination. Despite this, XXXXColumbia Debt Recovery has reported an inaccurate balance to the credit bureaus. I have made repeated attempts to resolve this matter over the past XXXX days, contacting the company on multiple occasions. Each time, I have been deflected, given no resolution, and denied access to a supervisor or the compliance department.…

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I am filing this new complaint against Columbia Debt Recovery XXXX XXXX XXXX XXXX XXXX ) for willful non-compliance with the FDCPA and FCRA, following their inadequate and evasive responses to my previous complaints ( XX/XX/XXXX XXXX and XX/XX/XXXXXXXX ). XXXX. Bad Faith Delay and Administrative Obstruction Regarding complaintXX/XX/XXXXXXXX, the company failed to provide a substantive response within the standard XXXX-day window. They required multiple reminders from the CFPB and intentionally waited until the XXXX day to provide a boilerplate response. This delay was a calculated tactic to jeopardize my active mortgage approval process, which I have repeatedly disclosed to them. XXXX. Failure to Address Evidence of False Urgency ( 15 U.S.C. XXXXe ) The company claims their " review did not identify any violations, '' yet they provide no evidence to refute the documented actions of agent " XXXX XXXX ''.…

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I entered into a pay-for-delete agreement with Columbia Debt Recovery LLC ( also operating as Genesis ) regarding a collection account. On XX/XX/year>, I made a final payment of {$1700.00} to resolve the account in full. In exchange for this payment, Columbia Debt Recovery provided written confirmation that they agreed to request full deletion of any negative information related to this account from all credit reporting agencies. However, instead of deleting the account as agreed, the company has reported the account as paid in full while continuing to report the collection account on my credit report. This is a direct violation of the written agreement provided to me and is materially misleading, as the account should no longer be reported at all.

Dear Sir or Madam, I am writing regarding the account you are attempting to collect under my name, XXXX XXXX. I formally dispute this debt and request full validation of the account pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Please provide the following : - The name and address of the original creditor - The original account number - A complete breakdown of the amount claimed, including fees, interest, and charges - Copies of any signed agreement or contract bearing my signature - Documentation proving your legal authority to collect this debt The amount being claimed is inaccurate and does not match the original agreement. Until proper validation is provided, I request that all collection activity cease and that no further negative reporting be made to any credit bureau. If you can not provide full validation, I request that this account be deleted and all reporting removed immediately. Please respond in writing. Sincerely, XXXX XXXX XXXX

I am filing a complaint regarding a collection account that has been reported on my credit report without proper verification. The collection company reported a negative account under my name but has failed to provide any verifiable documentation proving that I owe this debt. I have requested validation of the debt, including a signed agreement, account history, and proof that the debt belongs to me, but no sufficient evidence has been provided. Despite this, the account continues to be reported to the credit bureaus, which is causing harm to my credit profile. Reporting unverified or inaccurate information is a violation of the Fair Credit Reporting Act. I am requesting that this account be properly investigated and either fully verified with legitimate documentation or permanently removed from my credit report. If the company can not provide adequate proof, this account should be deleted immediately. I also request written confirmation of the outcome of this investigation.…

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I am receiving collection notices from Columbia Debt Recovery XXXX ( dba Genesis ) for an alleged debt of {$270.00} originating from a landlord-tenant dispute with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA ) XXXX I am formally disputing this debt in its entirety XXXX have sent a written dispute XXXX request for validation directly XXXX XXXX via email on XX/XX/year>. The underlying debt is invalid XXXX represents bad-faith billing practices by the original creditor that violate the Washington XXXX XXXX XXXX XXXX ( XXXX XXXX ) : XXXX. Unlawful Penalties : The creditor is attempting XXXX charge an arbitrary {$100.00} flat fee for a " trash-out, '' rather than actual incurred costs as required by state law. I possess written proof from the creditor offering XXXX reduce this fee by XXXX % in exchange for a XXXX XXXX review XXXX proving the charge is an extortionary bargaining chip, not an actual damage cost. XXXX.…

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COLUMBIA DEBT RECOVERY Account Number XXXX XXXX XXXX {$11000.00} I've tried disputing and resolving with no success, so please help. My rights are being violated. 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt Including a signed agreement, full account history, and verification of your authority to collect, you must cease all collection efforts and remove the information from my credit report.

I am disputing a debt being collected by Columbia Debt Recovery LLC ( DBA Genesis ) on behalf of XXXX XXXX. I leased an apartment beginning XX/XX/XXXX, with a monthly rent of {$2100.00}. I vacated the unit on or about XX/XX/XXXX due to XXXX XXXX, which was reported to property management. At the time I vacated, the balance was approximately {$4600.00}. After I moved out, the balance increased to over {$13000.00}. On XX/XX/XXXX, I received a collection notice from Columbia Debt Recovery. I submitted a written dispute requesting full validation of the debt, including a lease, complete ledger, itemized charges, proof of mitigation of damages, and justification for all fees. The company provided a lease and ledger, but the information does not support the amount being claimed. The ledger shows that I was charged full rent and additional fees after I vacated the unit.…

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A court judgment was entered on XX/XX/XXXX, establishing a total balance of {$3900.00}. This is the legally enforceable amount. However, the collection agency is attempting to collect and report a significantly higher balance ( approximately {$7400.00} {$7500.00} ), which appears to be based on a pre-judgment move-out ledger rather than the court judgment. On XX/XX/XXXX, I sent a formal written dispute requesting validation and a complete itemized accounting of the balance, including interest calculations and documentation supporting any amount beyond the judgment. A follow-up dispute was sent on XX/XX/XXXX. On XX/XX/XXXX, the company responded by providing only a move-out ledger, which does not reflect the court-entered judgment or explain the increased balance.…

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I am submitting this complaint regarding inaccurate credit reporting related to a debt connected to XXXX XXXX XXXX XXXX Case No. XXXXThis matter involved a wage garnishment that was later terminated by the Metropolitan Court through a Release of Writ of Garnishment signed by XXXX XXXX XXXX XXXX XXXX The court order clearly states that the garnishment was released and XXXX and that the garnishee no longer has any obligation to withhold wages, money, or property from the judgment debtors on account of that writ. The debt collector failed to continue the necessary legal action in the court proceeding to maintain enforcement of the judgment. As a result, the court issued the release and XXXX obligation to the debt, which terminated the legal obligation connected to that writ. Despite this court action, the account continues to be reported as a collection on my XXXX credit report. I have already disputed this account with XXXX and provided a copy of the court order.…

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Columbia Debt Recovery LLC dba Genesis reported a collection account on my credit report. I paid the balance because I believed the debt was legitimate at the time. However, after making the payment, I conducted additional research and later learned that I should have requested proper validation of the debt before payment. Shortly afterward, the original creditor involved in this account contacted me and issued a refund for the balance that had been paid. This immediately raised serious concerns about whether the debt was ever valid or properly assigned to the collection agency in the first place. Because of these concerns, I requested validation from the collection company after the fact so I could understand : what the alleged debt was for how the balance was calculated whether the company had legal authority to collect it The company refused and stated they were not required to provide validation because the account had already been paid.…

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Hi I am Im making this complaint against COLUMBIA DEBT RECOVERY for identity theft. I have never given COLUMBIA DEBT RECOVERY any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until COLUMBIA DEBT RECOVERY can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and COLUMBIA DEBT RECOVERY continues its collection efforts, I will file for litigation for actual damages caused and COLUMBIA DEBT RECOVERY will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.