Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: BTH Management
State: FL

Complaint narrative:
PLAZA SERVICES LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.Further investigation is required to verify the following claims. 
These claims remain unverified until further inquiry can confirm them. More research is needed to support these unsubstantiated assertions. Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately PLAZA SERVICES LLC XXXX Account XXXX XXXX Account Rating : Account Type : Closed Date : Creditor XXXX CollectionOrChargeOff Open- Remarks : Date Opened : Date of Last Activity : High Balance : Last Verified : XXXX XXXX  XXXX XXXX {$950.00} XXXX Payment Amount : - Payment Status : CollectionOrChargeOff Loan Type : - XXXX Account Description : Account Status : Balance Owed : Credit Limit : Individual Open $ XXXX Creditor Type : Date Reported : Dispute Status : Last Payment : Finance XXXXXXXX XXXX- Past Due Amount : - Payment- XXXX Frequency : Term Length : This account XXXX XXXX XXXX with the number XXXX is incorrectly reporting a rating of CollectionOrChargeOff on my credit report, and I am demanding its immediate deletion! Youve indicated that the account was opened on XXXX and that the last activity occurred on XXXX. These dates are inaccurate, and I expect you to take corrective action now. 
Youve also noted that the last verified date was XXXX. Under my rights granted by the Fair Credit Reporting Act, I am requesting the exact methods and evidence used to verify this information. Furthermore, provide me with documented proof of your claim that I owe {$950.00}, as I firmly contest this amount. 
Case law supports my demand : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) emphasized that inaccuracies must be rectified ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) reinforced the obligation to verify disputed information ; and XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX  Also this company isn't licensed in the state of XXXX to do business a Debt Collector. Also this has been closed for at least 2 yrs. and shows in collection, but listed as open, this is false and inaccurate information.

Company response to consumer: Closed with explanation