Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: TX

Complaint narrative:
I am responding to Plaza Services recent communication regarding the two disputed accounts on my credit report. The information provided by Plaza Services remains inconsistent with what is being reported by XXXX and XXXX, and it fails to meet the legal standards of proper verification under the Fair Credit Reporting Act ( FCRA ). 

Key Issues with Plaza Services Response : 1. Inconsistent Reporting Across Credit Bureaus : The information Plaza Services claims to have verified does not match the data currently reported by XXXX and XXXX. Under 15 U.S.C. 1681e ( b ), furnishers are required to ensure maximum possible accuracy when reporting information. These discrepancies prove the accounts are unverifiable and must be removed immediately.

2. Failure to Provide Adequate Proof of Verification : While Plaza Services submitted electronically signed documents as supposed evidence, these documents are insufficient. They do not align with what is being reported on my credit files and do not adequately prove that I authorized the accounts. Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Plaza Services and the credit reporting agencies are required to conduct a reasonable investigation. This standard has not been met.

3. Fraudulent Nature of the Accounts : I have provided an FTC Identity Theft Report, which documents my claim of fraud and supports my dispute. These accounts appear to have been created without my authorization, and their continued reporting violates 15 U.S.C. 1681c-2, which mandates that fraudulent accounts must be blocked and removed from credit files upon notification of identity theft.

4. No Requirement for a Police Report : While Plaza Services has requested additional documentation, such as a police report, the FCRA does not require a police report for the removal of fraudulent accounts. My FTC Identity Theft Report is sufficient to demonstrate that these accounts are fraudulent and must be removed immediately.

Formal Request : 1. Immediate Deletion : I demand that Plaza Services instruct XXXX and XXXX to immediately delete the following accounts : XXXX : {$2900.00} XXXX : {$1300.00} 2. Provide Proof of Verification : If Plaza Services insists these accounts are valid, provide detailed documentation that includes : Evidence of my consent to open these accounts. 
A thorough explanation of the methods used to verify the accounts. 
XXXX. Compliance with FCRA : Plaza Services must comply with its obligations under the FCRA to ensure accurate and verifiable reporting. 

Legal Notice : If these accounts are not removed promptly, I will escalate this matter through legal channels. Under 15 U.S.C. 1681n, I may pursue statutory damages of {$1000.00} per violation, as well as actual and punitive damages for willful non-compliance. 

This is your final notice to resolve this matter amicably. Please confirm the removal of these accounts and provide proof of your actions within 15 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation