Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management
State: TX

Complaint narrative:
I am writing to submit a follow up complaint against Plaza Services LLC regarding account number XXXX with a balance of {$2900.00} currently reporting as negative on my XXXX and XXXX credit reports. This complaint is being submitted as a new and separate concern from my previous complaint as it is based on additional information that has since come to light from Plaza Services LLC 's own response. In their response Plaza Services LLC provided a copy of a lease agreement between myself and XXXX XXXX XXXX dated XX/XX/year>. While I acknowledge that I did enter into a lease agreement with XXXX XXXX XXXX directly, I want to make it very clear that I never at any point entered into any agreement whatsoever with Plaza Services LLC. I have no contractual relationship with Plaza Services LLC and I never gave my authorization or consent for XXXX XXXX XXXX to sell, transfer, or assign my personal and financial information to Plaza Services LLC or any third party debt collector. The fact that Plaza Services LLC is now in possession of my personal information and is actively reporting this account on my credit report without my knowledge or consent is a direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which requires that a debt collector provide written notice to a consumer within 5 days of their first communication. I was never contacted by Plaza Services LLC before this account appeared on my credit report. I received no written notice, no phone call, and no correspondence of any kind informing me that this debt had been transferred to Plaza Services LLC or that they would be reporting it on my credit report. Furthermore under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, any entity furnishing information to a consumer reporting agency must have a permissible purpose to do so. Plaza Services LLC has not provided any documentation showing that they have a permissible purpose to report this account on my credit report given that I never had a direct agreement with their company. The original agreement I signed was with XXXX XXXX XXXX exclusively and I never consented to that agreement being assigned or transferred to any third party collector. Additionally under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, debt collectors are prohibited from using any false, deceptive, or misleading representations in connection with the collection of a debt. Reporting a debt on my credit report without ever properly notifying me of the transfer of this account constitutes a deceptive practice under federal law. I am formally requesting that Plaza Services LLC provide documented proof that I was properly notified in writing of the transfer of this debt from XXXX XXXX XXXX to Plaza Services LLC prior to this account being reported on my credit report. If Plaza Services LLC can not provide this documentation I am demanding the immediate removal of this account from both my XXXX and XXXX credit reports.

Company response to consumer: Closed with explanation