Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BTH Management
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX Date : XX/XX/XXXX Affidavit of Fact and Truth / Debt Validation & Intent to Sue Letter To Whom It May Concern, This letter serves as a formal dispute and demand for investigation under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Bureau ( CFPB ) regulations, regarding the following inaccurate and unverified accounts currently appearing on my credit reports : XXXX. XXXXXXXX XXXX XXXX  {$3200.00} ( Opened XX/XX/XXXX ) XXXX. Plaza Services {$3300.00} ( Opened XX/XX/XXXX ) These accounts are being reported as collections without any prior notice to me, which is a direct violation of my consumer rights. I have never received notification of these alleged debts nor have I been provided validation or proof of ownership showing that I am contractually bound to pay either of these accounts. 

Pursuant to 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ), I formally request that you conduct a full investigation and validation of these accounts and provide copies of the following documentation : - A signed agreement or contract bearing my signature proving that I am legally obligated for this debt. 
- Written proof of assignment or ownership demonstrating that the collector has the legal right to collect on behalf of the original creditor. 
- A complete payment history verifying how the balance being reported was calculated. 
- Proof that I was notified of these collection actions in accordance with the FDCPA and state consumer protection laws. 

I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it altogether. Please attach copies of the following documents : - Agreement that you have authority to collect on this alleged debt. 
- Agreement that bears the signature of the alleged debtor with promises to pay the original creditor. 
- Complete payment history on this account to prove that the amount you wish to collect is correct. 

I hope your legal staff will agree that noncompliance with this request will result in serious legal consequences and formal complaint filings with the following regulatory agencies : - Office of the Comptroller of the Currency ( OCC ) - Federal Deposit Insurance Corporation ( FDIC ) Consumer Assistance - National Credit Union Administration ( NCUA ) - Federal Reserve Consumer Help - Consumer Financial Protection Bureau ( CFPB ) Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), any person or company reporting information with knowledge of inaccuracies is in violation of federal law. Therefore, if you can not provide verifiable, documented proof of the validity and accuracy of these accounts within 30 days, you are legally required to delete or correct the entries immediately. 

Failure to comply with this lawful request will be deemed as willful noncompliance, subjecting your agency to civil and statutory penalties. Should these inaccuracies remain uncorrected, I will pursue all available remedies, including but not limited to filing formal complaints and initiating civil action for damages as permitted under 15 U.S.C. 1681n and 1681o. 

This affidavit stands as a sworn declaration of truth and fact, affirming that the information provided herein is accurate to the best of my knowledge and that I am invoking my full rights as a consumer under federal law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX : XXXX, XXXX XXXX

Company response to consumer: Closed with explanation