Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: TX

Complaint narrative:
PLAZA SERVICES LLC is in clear violation of the law and shall be held liable for all actual damages caused by all their ABSURD actions and violations described in this notice. 
I received a copy of my consumer report from the consumer reporting agency XXXX XXXX to notice an inaccurate collection account you furnished by contacting such third party with my nonpublic personal information without my consent pursuant to 15USC6802 ( B ). I have no knowledge of this debt, where it came from and never received any notices from the financial institution that they were attempting to collect a debt from me, nor did they disclose any privacy disclosure to me before contacting such consumer reporting agency.

According to 15USC 6802 ( B ) OPT OUT ( 1 ) In General A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party.

( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) The consumer is given an explanation of how the consumer can exercise that nondisclosure option.

PLAZA SERVICES LLC may not disclose my personal information to any third party for any cause, as I am exercising my right to my nondisclosure option pursuant to the section described above.

Please provide me with a copy of the original signed agreement your financial institution has on file with my signature on it that makes me liable for this alleged debt you furnished on my consumer report. I am also requesting my full privacy disclosure ( a-c ) that PLAZA SERVICES LLC allegedly disclosed to me pursuant to 15USC6802 ( B ) before this collection was reported.

15USC 6802 ( B ) states I MUST RECEIVE ALL THREE DISCLOSURES ( A-C ) FROM THE CREDITOR AND AGREE TO THE TERMS BEFORE YOU MAY USES MY PERSONAL INFORMATION TO CONACT A CONSUMER REPORTING AGENCY OR THIRD PARTY TO FURNISH ANY DATA ON MY REPORT!

Your offenses to reporting this alleged debt to collections amount to AGGRAVATED IDENTITY THEFT pursuant to 18USC 1028 ( A ). You have knowingly transferred, possessed or used a means of identification of me without lawful authority which is a felony with civil liability and defamation.

I dont have an agreement with PLAZA SERVICES LLC that proves I owe your company and I refuse to pay this alleged debt of {$2600.00} that your company made up without following the FCRA rules!

According to 15USC 1691 ( c ) Ceasing Communication ; If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the Consumer with respect to such debt. 

Under the New Rule REGULATION F which took effect on XX/XX/year>, by reporting this account and parking this alleged debt on my Consumer Report, you are violating the FDCPA & 10006.30a and its new rule you must CEASE AND DESIST ALL COLLECTIONS ACTIVITY NOW. 

According to this section of the LAW 15USC 1681a ( 2 ) ( a ) ( i ) ; Exclusions from a Consumer Report ; My transactions to your company are EXCLUDED from my consumer report - the FCRA states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include all transactions or experiences between the Consumer and the company reporting.

This violation of 15USC 1681a ( 2 ) ( a ) ( i ) alone, justifies the deletion of this account from my report because the law clearly states my transactions or experience to your company are excluded, meaning any transactional history or balance/utilization to your company is not included in my report. 


Failure to delete this collection account or provide the requested documentation within 10 days of the receipt of this certified letter after violating my Consumer Rights will result in pursuit of litigation and legal action on behalf of this inaccuracy with a small claims against you for : 1 ) Identity Theft 2 ) Defamation 3 ) Violations Of Fair Credit Reporting Act 4 ) Financial Injury

Company response to consumer: Closed with explanation