Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BTH Management
State: IN

Complaint narrative:
This is a follow-up complaint ( XXXX ) because Plaza Services LLCs response to my initial CFPB complaint is incomplete, misleading, and contains multiple legal violations. XXXX is : Furnishing false and inaccurate credit reporting Failing to validate the debt under FDCPA 1692g ( b ) Misrepresenting themselves as the original creditor Shifting the burden of proof onto me ( illegal ) Reporting and updating the account while in active dispute Failing to provide proof of ownership or assignment Providing contradictory information about the account Despite my repeated disputes and requests for validation, Plaza Services continues reporting an account that remains unverified and unvalidated. 



Details of Violations ( with Evidence ) 1. Plaza failed to validate the debt under FDCPA 1692g ( b ) In Plazas response to my first complaint, they claimed to have validated the debt. However, the documents they provided ( see attached loan file ) do not satisfy federal requirements.

Plaza did NOT provide : A bill of sale Chain of title Assignment documentation from CCBank/Lendly Proof that my specific account was included in any sale Accounting showing how the balance became {$2200.00} The only documents included were : A copy of my original loan A payment schedule These documents show a loan existed, not that Plaza legally owns or can collect on it. 
This is not proper validation. 
FDCPA 1692g ( b ) requires proof of ownership, which Plaza did not provide.

2. Plaza misrepresented themselves as Original Creditor ( FDCPA 807 ( 2 ) ( A ) ) My credit report shows Plaza Services LLC listed as : Original Creditor : Plaza Services LLC. 

This is false. 
The original creditor was XXXX / XXXX, as Plaza admits in their response.

Plaza is a third-party debt buyer.

Furnishing false creditor identity violates : FDCPA 807 ( 2 ) ( A ) FDCPA 807 ( 10 ) FCRA 607 ( b ) FCRA 623 ( a ) ( 1 ) This is a serious violation.

3. Plaza continues reporting after an unresolved dispute ( illegal under FDCPA & FCRA ) My credit report shows : Consumer disputes this account information Plaza updated the account on XX/XX/XXXX Plaza continues to list an open balance Plaza continues reporting false original creditor status Under FDCPA 1692g ( b ) : A debt collector must cease all collection and furnishing until validation is provided.

Under FCRA 623 ( a ) ( 3 ) : A furnisher must not report disputed information without marking it accurately AND conducting a full investigation.

Plaza continues reporting despite failing validation.

4. Plaza improperly shifted the burden of proof onto me In their response, Plaza wrote : Plaza Services is happy to assist further if YOU can provide materials showing the account was resolved. 

This is illegal. 

Under the FDCPA : They must validate. 
They must prove ownership. 
They can not require me to prove anything. 

This violates : FDCPA 1692e ( deceptive practices ) FDCPA 1692f ( unfair practices ) Plazas request that the consumer prove payoff or resolution is improper and unlawful.

5. Plaza admitted conflicting information about the account In their response, they stated : Account opened XX/XX/XXXX Delinquent XX/XX/XXXX Charged off XX/XX/XXXX Sold to Plaza in XX/XX/XXXX Yet they have no documentation showing the sale

Company response to consumer: Closed with explanation