Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BTH Management
State: TX

Complaint narrative:
PLAZA SERVICES LLC is in clear violation of the law and is liable for all actual damages caused! I received a copy of my credit report and noticed an inaccurate collection account you furnished to XXXX and XXXX using my nonpublic personal information without my consent first! 
PLEASE PROVIDE ME WITH A COPY OF THE ORIGINAL CONSUMER AGREEMENT WITH MY SIGNATURE ON IT YOU HAVE ON FILE THAT MAKES ME LIABLE FOR THIS DEBT YOU REPORTED! 

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.

Please provide me with all three privacy disclosures your company allegedly disclosed before this collection was furnished to the consumer reporting agencies on ( XX/XX/XXXX ). 

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.

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

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 out of thin air!

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/XXXX, 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. 
The data you furnished on my credit report is inaccurate and PLAZA SERVICES LLC is in several violations of the Fair Credit Reporting Act, XXXX XXXX Compliance and my consumer rights! 

According to this section of the LAW 15USC 1681a ( 2 ) ( a ) ( i ) ; Exclusions from a Consumer Report ; My transactions to ANY creditor 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 collection from my report because the law clearly states my transactions or experiences to you are not including in reporting!

Failure to delete this account may result in a small claims action against your company for : 1 ) Identity Theft 2 ) Defamation 3 ) Violations Of Fair Credit Reporting Act 4 ) Financial Injury I AM NOT INTERESTED IN YOUR COMPANIES EVERYDAY BUSINESS PRACTICES OR OPINIONS, AS YOUR VIOLATIONS OF 15USC6802 ( B ) 18USC1028 ( A ) FDCPA & 10006.30a DEMAND DELETION OF THIS INACCURATE COLLECTION ACCOUNT YOU BROKE THE FCRA TO FURNISH.

Company response to consumer: Closed with explanation