Consumer complaint received 2025-09-03 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: OH

Complaint narrative:
Consumer : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Phone : [ Insert your phone number ] Email : [ Insert your email ] Account at Issue : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Collector : Plaza Services , LLC Summary of Complaint I am disputing Plaza Services, LLCs continued furnishing of account # XXXX to credit bureaus because Plaza has failed to provide legally sufficient debt validation under the Fair Debt Collection Practices Act ( FDCPA ) and has violated the Fair Credit Reporting Act ( FCRA ) by verifying inaccurate or unsubstantiated information. 

Timeline of Events XX/XX/XXXX : I received collection notices from Plaza Services , LLC regarding account # XXXX. 

XX/XX/XXXX : I mailed a timely written debt validation request via certified mail. Plaza did not respond within 30 days. 

XX/XX/XXXX : Plaza continued reporting this account to XXXX  as an open/active collection while failing to provide validation, constituting continued collection activity in violation of 15 U.S.C. 1692g ( b ). 

XX/XX/XXXX ( post-deadline ) : Plaza sent me copies of ( 1 ) a credit application summary, ( 2 ) electronic consent, ( 3 ) customer agreement, ( 4 ) privacy/e-consent notices, ( XXXX ) several monthly statements ( XXXX XXXX ), and ( XXXX ) an internal LOC Activities ledger showing a charge-off balance of {$1400.00}. 

Deficiencies in Plazas Response While Plaza provided original creditor documentation, they failed to provide critical validation elements required under law : No proof Plaza owns or can collect this account. 

No Bill of Sale/Assignment was produced linking my specific account # XXXX to Plaza Services. 
No Servicing Agreement was provided to show Plazas authority.

No identification of the current creditor.

Plaza did not provide the legal name and mailing address of the current creditor as required. 

No proper itemization of the debt. 

Plazas ledger shows principal and fees but does not identify an itemization date or present a consumer-facing breakdown of charges ( principal, interest, late fees, other charges ). 
No payment ledger.

Plaza did not provide a full accounting of payments applied to this account.

No proof of Ohio licensing.

Plaza did not provide evidence it is licensed and bonded to collect debts in Ohio as required by ORC 1319.12.

No consumer notice of assignment.

I never received a notice when the account was allegedly sold/assigned to Plaza, and Plaza has not produced one.

Violations FDCPA ( 15 U.S.C. 1692g ( b ) ) : Plaza continued reporting/collecting without first validating.

FDCPA ( 15 U.S.C. 1692e, 1692f ) : Misleading and unfair collection practices by representing themselves as the current creditor without proof.

FCRA ( 15 U.S.C. 1681s-2 ( b ) ) : Plaza verified the account to XXXX  despite being unable to substantiate ownership or itemization, showing failure to conduct a reasonable investigation. 

Requested Relief I respectfully request that the CFPB require Plaza Services , LLC to : Cease collection and credit reporting on account # XXXX unless and until full legal validation is produced. 

Provide complete validation including ( a ) Bill of Sale/Assignment identifying my account, ( b ) name and address of the current creditor, ( c ) full itemization with itemization date, ( d ) payment ledger, ( e ) Ohio license proof, and ( f ) consumer notice of assignment.

Delete this tradeline from all credit bureaus if Plaza can not fully validate its legal ownership and right to collect.

Company response to consumer: Closed with explanation