BTH Management

Validation of Debt Request - PLAZA SERV - XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

In XX/XX/year>, I discovered that Plaza Services , LLC was reporting a collection account on my credit report related to an alleged debt from XXXX XXXX XXXX. The balance reported is approximately {$2500.00}. I did not receive sufficient prior notice or documentation validating this debt. Upon becoming aware of the account, I immediately sent a written dispute and request for validation to Plaza Services. As of this complaint, I have not received proper validation, including any signed agreement or documentation confirming that I am legally obligated for this debt. Additionally, this account is being reported inconsistently across the credit bureaus. It has been removed from XXXX but continues to be reported by other agencies. This inconsistency raises concerns regarding the accuracy and verifiability of the information being reported.…

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I am in receipt of your response regarding the above-referenced account. Your correspondence confirms that you are currently attempting to obtain documentation from a third party ( PLAZA SERVICES , LLC ) to validate this alleged debt. This clearly establishes that you do not presently possess sufficient evidence to validate the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Accordingly, you must cease all collection activity until proper validation is provided. Because this account has allegedly been sold or assigned, you are required to provide full proof of assignment and legal standing to collect. This includes a complete chain of title from the original creditor, XXXX XXXX, to your entity. Without such documentation, you lack the legal authority to collect. Additionally, your reporting of this account is formally disputed under the Fair Credit Reporting Act ( FCRA ), including but not limited to violations of : 15 U.S.C.…

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To Whom It May Concern, This is my second written notice regarding the inaccurate and unverified collection account listed on my credit report. Account Name : Plaza Services I previously disputed this account, and you responded without providing adequate verification as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Your failure to provide proper documentation violates my rights under federal law. Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation and provide verifiable proof that this debt is mine, including : A copy of the original signed contract or agreement Documentation showing I have a legal obligation to pay Full payment history and accounting of the alleged debt Proof of your authority to collect on this account Additionally, under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act, I am requesting full validation of this debt. As of today, you have failed to provide sufficient evidence.…

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Validation of Debt Request - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I am submitting this complaint regarding a collection account that is currently being reported on my credit report and appears to be inaccurate and improperly validated. A collection account from Plaza services in the amount of {$3100.00}, is currently being reported on my credit report. I dispute the validity and accuracy of this alleged debt and the manner in which it is being reported. Under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to provide proper validation of an alleged debt upon request. To date, I have not received sufficient documentation verifying the debt, including but not limited to a signed agreement, original account statements, or documentation proving that I am legally responsible for the alleged obligation. Additionally, under 15 U.S.C.…

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Validation of Debt Request - PLAZA SERVIC - XXXX * XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

My XXXX Credit report shows two accounts in collections from Plaza Services LLC. The original creditor is listed as XXXX XXXX. I have never done business with XXXX XXXX XXXX in my life and have never been contacted by anyone related to outstanding debt ( no mail, no email and no phone calls ). Because Plaza Services is listed on my credit report, I tried reaching out multiple times via phone ( left a voicemail ) and email. When calling any of the phone numbers listed for Plaza Services, they place you in a queue and when you are up it takes you straight to voicemail. I need to get this cleared up and removed from my credit report ASAP but can not get any response from Plaza Services.

I recently discovered a collection account reported by Plaza Services , LLC for approximately {$3600.00} allegedly related to XXXX XXXX. This account appeared on my credit report suddenly and does not belong to me. I have never opened, rented, or financed any account with XXXX XXXX and have never authorized any agreement that would result in this debt. This account was reported on my credit report just days after I applied for a home loan and has caused significant damage to my credit score, negatively impacting my ability to move forward with purchasing a home. I am disputing this account because it is inaccurate and does not belong to me. I am requesting that Plaza Services , LLC provide proper documentation proving this debt belongs to me. If they can not provide a signed contract or proof that I authorized this account, I am requesting that the account be immediately removed from all credit reporting agencies.…

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VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5.…

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I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Account XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account as soon as possible from my credit report and cease all reporting. Or I will have to take legal action.

PLAZA SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research PLAZA SERV is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

Validation of Debt Request - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agree ment, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

PLAZA SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research PLAZA SERV is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Validation of Debt Request - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Validation of Debt Request - PLAZA SERVICXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I disp ute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

XXXX XXXX XXXX XXXX XXXX, MI Plaza Services , LLC Attn : Compliance Department Re : Formal Dispute and Validation Request XXXX XXXX Account XXXX XXXX XXXX XXXX Activity To Whom It May Concern : I am writing regarding the alleged XXXX XXXX account that Plaza Services claims to own and placed with XXXX XXXX XXXX for collection. This letter serves as a formal dispute, a request for full validation, and a correction of the record based on inaccurate statements made by your agent, XXXX XXXX XXXX, in their XX/XX/year> response to the Consumer Financial Protection Bureau ( CFPB Case # XXXX ). XXXX. I previously disputed this account in writing. Spire falsely stated that I never submitted a dispute. This is incorrect. I sent a written dispute and validation request by certified mail, and it was delivered. As the alleged current owner of the account, Plaza Services is responsible for ensuring that disputes are properly logged, acknowledged, and responded to. XXXX.…

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Validation of Debt Request - PLAZA SERVIC - XXXXXXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I demand a complete accounting of this collection debt purchase. As a debt collection agency that is also a debt purchaser, your company must fulfill the following criteria : You must show proof of assignment from the debt procurer the rights to pursue collections as mandated by FTC v. XXXX XXXX ( XXXX ), and the bylaws of the Fair Debt Collection Practices Act. You must show proof of bonding as stipulated in the state of XXXX. You must be licensed with the National Mortgage Licensing Service as a debt buyer, along with federally bonding. You must show a Bill of Sale on any debt purchase of any individual debt. ACCORDINGLY, SINCE YOUR COMPANY HAS NOT FULFILLED THESE REQUIREMENTS THE COLLECTION MUST BE DELETED AND THE NEGATIVE TRADELINE BE DELETED AND MY ACCOUNT INFORMATION MUST BE PURGED PERMANENTLY!!! DELETE THIS COLLECTION PERMANENTLY!!!

I am filing a formal complaint against XXXX XXXX XXXX XXXX, a debt collector acting on behalf of Plaza Services , LLC. They have contacted me about a debt I do not owe. I have never had a contract with them, and they have not provided validation of the debt, nor proof of a signed agreement or chain of assignment. They can not produce a contract bearing my wet ink signature between myself and XXXX XXXX XXXX XXXX because no such contract exists. I have already requested validation directly, and they have not responded with sufficient proof. They claim that they have an account ending in XXXX for the amount of {$2500.00} Again, I do not have a co tract with XXXXXXXX XXXX XXXXXXXX nor do I have a contract with aplaza Services, LLC. In fact, I have never heard of either of these companies until I received the email from XXXX XXXX XXXX XXXX about this alleged debt, to which I promptly responded.…

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I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX XXXX XXXX XXXX I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law.…

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I submitted a complaint regarding an alleged account serviced by Plaza Services , LLC that I dispute as not belonging to me. I did not open, authorize, or benefit from this account. On XX/XX/year>, Plaza Services provided a response through the CFPB. I reviewed their response and submitted formal feedback indicating that the company did not address all of my issues and did not do what they stated they would do. In my feedback, I reiterated that the account is not mine and requested complete validation, including proof of authorization and identity verification. Despite my dispute, Plaza Services has not produced documentation demonstrating that this debt is legally attributable to me, because it is not my account. No signed agreement, proof of identity verification, or other substantiated evidence tying this account to me has been provided. Under the Fair Credit Reporting Act ( 15 U.S.C.…

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PLAZA SERVIC is falsely reporting on my credit. I have never had any accounts with them. Per my research PLAZA SERVIC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.