Consumer complaint received 2024-11-18 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: TX

Complaint narrative:
I am filing this complaint against Plaza Services LLC regarding an alleged debt reported to my credit file from the original creditor, XXXX, with an account number ending in XXXX. The debt was reported on XX/XX/year>, to my credit report. 

To date, Plaza Services has not provided me with any prior notification regarding this alleged debt before reporting it to the credit bureaus. As of now, I am sending a formal written request for debt validation to Plaza Services LLC, as permitted under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). In my request, I am asking Plaza Services to provide the following documentation to validate the debt : Proof of Debt Validation : A copy of the original contract or promissory note bearing my wet-ink signature. 
Date of XXXX : The date the original creditor claims the debt became due and delinquent. 
Last Billing XXXX : A copy of the last billing statement issued by the original creditor. 
Account Closing Notice : Documentation of late payment and/or account closure from the original creditor. 
Authorization to Collect : Verified proof of Plaza Services LLC 's authorization to collect on behalf of the original creditor. 
Licensing : Evidence that Plaza Services is licensed to collect debts in my state. 
Full Accounting : A general ledger or equivalent record showing the complete accounting of the alleged obligation, accompanied by a commercial affidavit from the custodian of the books. 
Proof of Charges : Document any interest, fees, or charges applied, as authorized under the loan or credit agreement. 
XXXX and XXXX : Certified copies of public hazard bonds and liability insurance policies held by Plaza Services. 
Satisfaction of Debt : Evidence confirming that the alleged debt has not been satisfied through a tax write-off, insurance claim, or sale to a third-party debt collector. 
XXXX of Limitations : XXXX that the statute of limitations has not expired on this debt. 
XXXX XXXX : XXXX evidence demonstrating how Plaza Services LLC verified this alleged debt. 
Reporting this unvalidated debt to the credit bureaus without prior notification constitutes a violation of XXXX XXXX. XXXX ( a ), which requires debt XXXX to notify consumers of their rights within XXXX days of initial communication. Furthermore, reporting a debt without proper validation XXXX violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ), which mandates that data furnishers ensure the accuracy of information reported to consumer reporting agencies. 

XXXX Requested Plaza Services must immediately provide full validation of the alleged debt in compliance with 15 U.S.C. 1692g ( b ).

Until proper validation is completed, Plaza Services LLC must cease all collection activities and suspend reporting of this trade line to credit bureaus under 15 U.S.C. 1692c ( c ).

If the inaccurate trade line is not validated, it must be deleted from my credit report as required under 15 U.S.C. 1681i ( a ). 
Attachments A copy of the debt validation request letter to Plaza Services LLC Excerpts from my credit file showing the trade line reported by Plaza Services LLC. 
I request the CFPB investigate this matter and hold Plaza Services LLC accountable for failing to comply with the FDCPA and FCRA. If Plaza Services does not provide proper validation or remove this inaccurate reporting, I reserve the right to pursue additional legal remedies to protect my rights and credit profile. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation