Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: MO

Complaint narrative:
I am in receipt of your response regarding the above-referenced account. Your correspondence confirms that you are currently attempting to obtain documentation from a third party ( PLAZA SERVICES , LLC ) to validate this alleged debt. This clearly establishes that you do not presently possess sufficient evidence to validate the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Accordingly, you must cease all collection activity until proper validation is provided. Because this account has allegedly been sold or assigned, you are required to provide full proof of assignment and legal standing to collect. This includes a complete chain of title from the original creditor, XXXX XXXX, to your entity. Without such documentation, you lack the legal authority to collect. Additionally, your reporting of this account is formally disputed under the Fair Credit Reporting Act ( FCRA ), including but not limited to violations of : 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681i ( a ) 15 U.S.C. 1681s-2 ( b ) As well as applicable federal regulations : 12 C.F.R. 1022.42 12 C.F.R. 1022.43 You are required to conduct a reasonable investigation and ensure maximum possible accuracy. Reporting unverified information constitutes a violation of federal law. Be advised that I have formally filed a complaint with the Federal Trade Commission ( FTC ) regarding your collection practices and handling of my personal and credit information. This complaint documents your failure to properly validate the alleged debt and your continued reporting of disputed and unverified information. Your request for identity theft documentation is noted ; however, I have not claimed identity theft. This is a formal dispute and validation request. Attempting to shift the burden of proof without first fulfilling your obligations is improper. Furthermore, any documentation provided must be legally sufficient and authenticated. I request original documentation bearing a verifiable wet ink signature or otherwise legally admissible evidence clearly establishing my liability. Computer-generated or template documents lacking authentication are insufficient. To resolve this matter, you are required to provide : 1. Full validation of the alleged debt pursuant to 15 U.S.C. 1692g 2. Complete chain of title proving assignment and your legal authority to collect 3. Original signed agreement or equivalent admissible evidence establishing liability 4. Full accounting of the alleged balance If you are unable to provide the above, you must : Cease all collection activity immediately Delete all references to this account from all consumer reporting agencies Failure to comply will result in additional complaints being filed with the Consumer Financial Protection Bureau and other appropriate regulatory bodies, as well as potential legal action to enforce my rights under federal law. I expect your response within the timeframe required by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation