Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management (SC)

The reaosn this email was penned was because I am keeping the Federal Government Lender updated to the unsubstantiated information that is on my credit report. I have temporarily frozen my report, the citation for approximately {$2300.00} there is nothing proving that debt is mine, nor that I am responsible for that debt at this time, the credit reporting company may be complicit in fraud and that matter will be dealt with immediately and there are other information that is wrong on the credit report as well, as according to the credit reporting company, my current address does not show on my credit report, according to XXXX XXXX  the address on the credit report is either a XXXXXXXX XXXX XXXX, or an- looks like an accounting office? Now, keeping in mind that the Department of Education, had a very stern tone to their voice with me at the beginning when I approached them about this matter, as if they discovered I was being irresponsible with credit. This is apparently not accurate, the credit bureau is allowing anyone to place information onto a report as long as the company reporting the information is willing to pay a subscription fee. 

Under federal law the information that is published in a CBR ( Credit Bureau Report ) must be accurate and timely. If this was a real trade line in the XXXX XXXX XXXX XXXX this would be outside the Statute of Limitations, and if this information was accurate, the email address and physical mailing address should be accurate. I have not used XXXX since XXXX, XXXX when I moved to XXXX XXXX. In an effort to leave anything to do with XXXX  in my past. So for that to show up on an account for anything makes me wonder what this collection agency is doing. Many debt collectors use XXXX XXXX debt collections database and some people misuse it to create debt profiles that do not exist. I hope this is not the case in this matter. I even asked how did I receive these funds if I owed this legibly they should have these records. 

I have attached the photo of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for your review. 

You can imagine my surprise when I saw this citation on my credit report, that I did not recognize, and when i did some digging and made phone calls this is in reference to a debt collection company that is collecting on behalf of a debt buyer called Plaza Associates, and debt collector, places information onto people 's credit reports before they do any skip tracing and confirming that the debt is even the responsibility of the individual who's report is being published by the credit bureau.

The credit bureau does not seem to care as long as the subscription fee for the collection agency to have access to their systems to slander and defame individuals. This sounds like collusion.

I approached the credit bureau involved and they stated that an investigation was completed and the information was returned as accurate. When I spoke to the debt collector, and I hate doing this because your supposed to give a stranger, who could be a scam artist, and in many cases are likely one, all your information to " verify my identity '' and they could use that information against me. In addition the debt collectors are not required to offer their full names. 

Well, the debt collection company, who has XXXX on their phone sequencer, or announcement, before the person speaks to an agent, so anyone who calls in immediately knows this in reference to debt, so third party disclosure can happen, then I was treated with a high level of harassments. I asked where the debt collection company was, and who actually owned the debt, I informed the collector the only reason I knew about this was due to the fact that this item was placed onto my credit report without my knowledge, or ability to dispute it and I wanted it off my credit report because I was not given the 90 day notice letter also known in the collections business as a " XXXX or Docket Letter '' The importance of this letter is that the Docket letter is supposed to identity the original alleged debtor, creditor, amount due, and how to contact the original debtor or point of contact and gives the alluded debtor 90 days to dispute the information. 

The debt collector shouted at me, a XXXX XXXX XXXX  individual with XXXX and abused me and abusing and harassing a XXXX individual is an illegal act, in and of itself, but to also violate Title, 15 USC - fair Debt Collection Practices act the definition of Harassment is in the eyes of the alleged debitter. I just lost my ability to continue with my educational career because a debt collection form, with bad attitudes and big mouths to place information onto people 's credit reports without conducting the industry basics of skip tracing the information before publishing possibly fraudulent and slanderous information on an individual 's credit report, is an amazingly high level of sloppy negligent work in the debt collection business and none should have to deal with that.

The debt collection company had wrong email address, wrong mailing address. I stated I received no written correspondence, and I was shouted at by the collector " We did too send written correspondence. '' We just got done confirming the address at the beginning of the call and they lied through omission, I had to ask what address did you mail it too, then the collector got all meek when they noticed the wrong address. I mentioned there are locked on the front of the mailboxes here and I was told, they don't care about locks. They interrupted my statement, and I repeated, if they did any skip tracing, they would know that they were mailing information to the wrong address, and if the information was mailed to me, it would have made it to the mailbox. It's a secure mail box. I would have received it. 


The credit cards, well, I was out of work like many others were terminated because my current employer knew that they were going to have to pay me a minimum of {$3000.00} bonus for my excellent work, I also noticed that there was a policy for paying weekend workers a differential and i was not getting paid that and I was asking about being paid for the hours waiting for FedEx for delivering equipment to my home so I was about to be very expensive to the employer all the details were heard in the XXXX XXXX XXXX XXXX XXXX XXXX and i am still waiting to be paid, because the employer can have the same work completed by individuals were they don't have to pay them as much, and United States labor laws do not apply. Sad but true.

I called the debt collection company back and spoke to a more emotionally mature collector. and I was told to simply report the matter as fraud. They are just collectors. This debt buyer bought this paper and apparently, I have no current knowledge of this and it costs money to maintain records who who owes money to who and mailing out XXXX letters etc, and there are a lot of infrequencies in the industry, and overhead, some agencies simply do not mail out letters, instead they would rather place things on credit reports and have the debtor, in this case a likely innocent one call in when a problem happens. I have no knowledge of this debt and the debt collector had all incorrect information, at the debt collector 's request I reported the matter as a likely fraud. 

The manner in which I was treated during the phone call is a topic for another mail. 

CONCLUSION : I am asking the Federal Government lender to authorize the release of funds to cover educational expenses to XXXX  XXXX XXXX for the educational period outlined and I authorize XXXX  XXXX XXXX to act on my behalf to ensure the maximum amount is obtained for the educational period as discussed on the telephone recently, and that the excess funds be mailed, or electronically deposited into the checking account on record This is a blanket Limited Power of Attorney effecting the ability to restore financial eligibility for the University. The only other debt on my credit report is very low balance credit card debt, that I was forced to use for college based expenses, rent, power, internet student housing while waiting for funding.

I want the trade line off my credit report now. Immediately. Without Delay nor Excuse. It is defamitory and the debt collector has the wrong information, so they can not confirm it is my debt. The credit bureau claims to have done a " investigation '' It is cheaper to send a canned response then to actually do the work as required by federal law.