Consumer complaint received 2019-04-11
Company: BTH Management
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX i received credit monitoring notification 2 accounts had been reported to my credit XXXX XXXX for {$1800.00} & {$2400.00} i called the creditor immediately asked about these account that were reported, i was asked my name/ssn and was also told they were not able to locate any accounts for me. i then asked how can this have been reported if you do not even show accounts for me. i was then told by XXXX XXXX to contact my police dept for fraud, i said how am i supposed to do that when i don't even know who you people are. i hung up and called XXXX, i disputed the accounts. detailed my conversation with this lady at XXXX XXXX that refused to give name. 
30 days later in XX/XX/XXXX both accounts came back as being verified as accurate.. 
i than called XXXX and questioned how this was verified when XXXX XXXX did not even have accounts for me. they said they verified as accurate. i then asked for validation/ or any info that was used to verify this debt and was told i needed to contact the collection agency. 
XXXX XXXX and XX/XX/XXXX i contacted XXXX again, asked for supervisor, was being yelled at on phone. i also tried to explain the reason for my call and was hung up on. 
the next day i called back, asked if ( she ) they never give names, was able to search my ssn/name was told again, no accounts for me. so i questioned again how can this be and this company still report to credit. she was not able answer with a clear explanation, and i got frustrated, i asked to speak to a supervisor was hung up on again. 
XX/XX/XXXX i made a call to XXXX advised i was trying to figure out how to get proof of this debt. advised of previous dispute out come, also advised interaction with the collection agency. i was told by supervisor XXXX at XXXX they submit the dispute to the creditor via XXXX XXXX and they verify it. i asked what documentation as used to validate this, he said none, XXXX DOES NOT verify validity of debt disputed, i asked how that can be when my dispute was specific to account not being mine. he said all he could do was document the accounts for XXXX XXXX send dispute again. that did not work the 1st time, so i can imagine would not work again. 
now to my understanding of credit reporting/validation of debt is part of the FDCPA also requesting validation and it not being provided is a violation. i have disputed things before was was always sent a validation notice/ with proof of debt so i am not understanding how this has remained on my credit even though i have yet to receive the proof of debt. i called the original creditor " XXXX '' and was told they do not show me on their system, i was then asked to call corp XXXX XXXX XXXX i did that today XX/XX/XXXX and they have no record of my name or ssn. i want this removed off my credit. i have no clue who XXXX XXXX is or XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation