Consumer complaint received 2025-11-26 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:
What happened is that an account identified as PLAZA XXXX / PLAZA XXXX has appeared on my credit report as a derogatory account with a past-due balance of {$3000.00}, showing severe delinquency, multiple months of late payments, and long-term 90-day late reportingall of which is completely inaccurate because this account does NOT belong to me. I have never opened an account with Plaza XXXX, never agreed to any credit terms with them, never signed any contract, never received any statements, and never interacted with this company in any financial capacity. This account is fraudulent, incorrect, and illegally associated with my credit profile. 

The credit report shows that the PLAZA XXXX account is reporting : A {$3000.00} past-due balance Status : Collection/Charge-off / Derogatory Long-term 90-day late history ( 11 months of 90-day late marks reported ) High-severity delinquency pattern Reporting under multiple credit bureaus A negative impact on my credit file I did not authorize, create, sign for, or own this account. The reporting is 100 % inaccurate. 

The first time I discovered this account was when I reviewed my credit report. I was shocked to see a delinquent account with a past-due balance of {$3000.00} listed under a furnisher name I had never heard of and never did business with. No company called PLAZA XXXX or PLAZA XXXX has ever had any financial relationship with me. I never received a bill, notice, statement, contract, loan disclosure, payment request, or communication of any kind from this company before it suddenly appeared on my credit file as a 90-day delinquent account. 

Because I do not own this account, I immediately disputed it with all three credit bureaus, explaining in detail that this account did not belong to me. I provided a written dispute stating : I never opened an account with PLAZA XXXX I never received any loan or service from them I never agreed to any credit terms I never signed any contract I never authorized them to use my information I never owed them any money The {$3000.00} balance does not belong to me The payment history is fabricated and impossible The delinquency pattern does not match my life or credit activity Under FCRA 611 ( a ), the credit bureaus must conduct a reasonable reinvestigation. However, instead of receiving a detailed response or evidence, I was told the account was verified. 

This verification was impossible because PLAZA XXXX has never provided : A signed contract A credit application Identity verification documents Billing statements Monthly payment history Loan disbursement information Copies of correspondence Account ownership documentation A breakdown of the {$3000.00} past-due balance Any communication records Any evidence whatsoever tying me to this account The credit bureaus did not provide a Method of Verification ( MOV ) as required under FCRA 611 ( a ) ( 6 ). I did not receive : Details about what documentation was reviewed Confirmation of whether original documents were requested The identity of the person or system that verified the account Whether verification was manual or automated Any description of the investigation steps taken Any proof of accuracy Instead, it is clear the bureaus relied on an automated e-Oscar response, which is not a sufficient investigation under FCRA when the consumer states that an account is fraudulent or not theirs. 

A legitimate verification must show : The contract I supposedly signed The loan terms Identity matching Transaction history Payment records Delinquency notices Charge-off calculations None of these items exist because I never had an account with PLAZA XXXX XXXX 

The PLAZA XXXX reporting includes long-term 90-day late payments, which are extremely damaging to a credit profile. This account contains : 90 days late ( over 11 months ) Repeated delinquency A past-due balance of {$3000.00} Late 120 Days flags A collection/charge-off status These derogatory marks severely lowered my credit score and have interfered with : My ability to secure loans My interest rates My approval for credit My housing opportunities My insurance rates My employment opportunities if a background check is required This is a serious error, and the consequences are significant. 

To reiterate, I do NOT have a financial relationship with PLAZA XXXX. I have never : Applied for credit with them Taken a loan from them Signed a contract with them Received funds from them Received statements or bills Received collection notices Communicated with them by phone, email, or mail If this were a legitimate account, PLAZA XXXX would have been required to : Notify me of any delinquency Send monthly statements Send late notices Provide a validation notice under the FDCPA Attempt collections Provide me with a right-to-dispute notice Send a breakdown of the {$3000.00} balance I received none of these. 

For an account to become 120 days late, I would have received numerous notices, warnings, phone calls, emails, or letters. I received nothing because the account is not mine. 

In addition, PLAZA XXXX has not complied with FCRA 623 ( a ) ( 1 ), which requires furnishers to report information that is accurate and has a reasonable factual basis. Since there is no evidence that I opened this account, PLAZA XXXX is reporting inaccurate information. 

They also violated FCRA 623 ( a ) ( 3 ) by failing to ensure the account reflects the proper disputed notation during the dispute process. If the account is not properly marked as disputed, it causes lenders to perceive it as accurate, further harming me. 

Under FCRA 623 ( b ), PLAZA XXXX had an obligation to investigate my dispute thoroughly. That means : Locating original documents Reviewing signatures Checking identity information Verifying the account history Confirming disbursement details Ensuring the correct consumer is being reported Reporting results accurately Instead, the account remained with no documentation provided. 

The severity of the error raises major concerns about : Possible identity theft File mixing Social Security number transposition Data-entry error Merged credit file Cross-contamination from another consumers account Incorrect assignment of debt I request that the CFPB require PLAZA XXXX and the credit reporting agencies to conduct a complete, manual, documented investigation into these possibilities because the account is clearly not mine. 

There is no legitimate explanation for a {$3000.00} delinquent account with PLAZA XXXX  appearing on my credit report. 

I want to emphasize again : I do not owe PLAZA XXXX {$3000.00}. I have never owed them any amount at any time. 

The delinquency pattern being reported is fabricated, fraudulent, and impossible. 

Additionally, the reporting includes a massive number of late payments ( specifically eleven 90-day late notations ), which makes this error even more egregious because it suggests months and months of behavior I never engaged in. 

I have suffered credit harm because of this inaccurate reporting. These negative marks have severely impacted : My credit score My ability to obtain affordable credit My ability to qualify for loans My ability to secure rental housing My ability to obtain insurance My financial credibility Because this account is not mine, I have been placed in a position where I am being unfairly and unlawfully penalized. 

Summary of What Happened PLAZA XXXX is reporting a {$3000.00} delinquent account that I do NOT own. 

The account shows eleven 90-day late payments and severe derogatory status. 

I have never applied for or opened any account with PLAZA XXXX. 

I never signed any loan documents or agreements with them. 

I never received any bills, notices, or statements from them. 

I never received collection letters or a right-to-dispute notice. 

I disputed the account with all credit bureaus. 

No documentation was ever provided during the investigation. 

The bureaus did not provide a Method of Verification. 

PLAZA XXXX did not produce a signed contract or identity documentation. 

The delinquency reporting is legally inaccurate and impossible. 

The reporting violates FCRA 602A, 607, 611, and 623. 

The account is damaging my credit and must be removed. 

Because this account is not mine, and because the furnisher can not produce any of the required documentation proving ownership or legitimacy, I am requesting the CFPBs assistance to ensure that this fraudulent, inaccurate, and unverifiable account is removed from my credit file.

Company response to consumer: Closed with explanation