Plaza Services, LLC buys past-due consumer accounts from the companies that first extended the credit, and it says it reports the accounts it owns to the credit bureaus. That is how a company you never borrowed from can show up on your credit report. When what Plaza reports about you is wrong, federal law gives you the right to dispute it and, in some cases, sue over it.
What Plaza Services is
Plaza Services, LLC lists its address as 110 Hammond Drive, Suite 110, Atlanta, Georgia 30328, the address federal court records also give for it. It calls itself an “accounts receivable portfolio investment firm,” says it was established in 2013, and says it “purchases accounts from original creditors and becomes the new creditor.” It names auto loans, fintech, consumer loans and consumer credit among the receivables it buys. In federal bankruptcy claims it appears as the current creditor on accounts first opened with banks and credit unions.
Plaza’s home page carries the notice “This is a communication from a debt collector.” Its FAQ says a collection agency or law firm may contact you on Plaza’s behalf, and suggests calling 877-475-1103 to confirm that one is working for Plaza.
How a Plaza Services account shows up on your report
Plaza’s FAQ says it reports the status of accounts it owns to TransUnion; its credit reporting page says it reports to the credit bureaus “including TransUnion.” Check all three reports: Equifax, Experian and TransUnion must each give you a free report once in any 12-month period on request (15 U.S.C. § 1681j(a)(1)).
The Open Date on a Plaza entry is the date Plaza bought the account, not the date you opened it. Plaza says the bureaus require it to report “the date of acquisition as the ‘Open Date,'” and that this date “does not affect how long our trade line may appear on your credit report.”
Plaza says that it or its collection agency partners “attempt to notify consumers in writing” before reporting, and that it will not report an account that is paid off, or receives the first payment of a payment plan, within 90 days of Plaza buying it. Federal rules set the minimum: a debt collector may not furnish information about a debt to a credit bureau until it has spoken with you, or has sent you a letter or electronic message and waited a reasonable period for a notice that it was undeliverable (12 C.F.R. § 1006.30(a)). The CFPB and the FTC both describe that period as generally 14 days.
Plaza’s deletion policy and the federal time limit
Plaza’s published credit reporting policy says when its tradelines come off:
- Satisfied accounts. Plaza says an account is satisfied if it is paid in full or settled for less, and that it deletes “all trade lines for accounts that satisfy the balance after 2-years from the date of delinquency.”
- Unpaid accounts. Plaza says unpaid tradelines are deleted automatically seven years from the delinquency date, or seven years from the last payment date if a payment was made after the delinquency.
Federal law sets its own limit. A collection account generally cannot be reported once seven years have run from a date 180 days after the delinquency that led to the collection (15 U.S.C. § 1681c(a)(4), (c)(1)). A company that furnishes a collection account must tell the bureau the month and year that delinquency began, and a later furnisher complies by reporting the date the original creditor reported or by following reasonable procedures to obtain it (§ 1681s-2(a)(5)).
So the delinquency date on a Plaza entry, not the Open Date, is the one to check against your records. A delinquency date later than the month you first fell behind with the original creditor makes an old account look newer; see re-aged debt on a credit report.
What to check on a Plaza Services entry
An accurate entry that is yours can lawfully stay: the FCRA requires deletion only of information that is inaccurate, incomplete or cannot be verified (15 U.S.C. § 1681i(a)(5)(A)). Check for these:
- A debt that is not yours. Plaza’s FAQ asks anyone reporting identity theft to submit a Fraud Affidavit and says it responds within 30 days. Equifax, Experian and TransUnion must block information resulting from identity theft once you send proof of identity, an identity theft report and a statement identifying the items (15 U.S.C. § 1681c-2(a)). See a collection that is not yours, identity theft and mixed credit files.
- A paid or settled account still showing a balance. The FTC says that if you settle for less, some collectors report it, so your report can show the debt was not paid in full. A balance you no longer owe is different: a regular furnisher that finds what it reported is not complete or accurate must promptly correct it (15 U.S.C. § 1681s-2(a)(2)). Keep your payoff or settlement letter, and see paid off but still reporting.
- An entry past its reporting period. Measure from the original delinquency, not from the Open Date.
- A dispute the entry does not show. If you told Plaza you dispute the debt, it may not report the debt to a bureau without noting the dispute (15 U.S.C. § 1681s-2(a)(3)).
How to dispute a Plaza Services entry
With the credit bureau. Write to each bureau showing the entry, say exactly what is wrong, and send copies of your proof, such as a settlement letter, the original creditor’s statements or an identity theft report; the credit dispute letter guide walks through it. The bureau must conduct a free, reasonable reinvestigation, generally within 30 days, notify the furnisher within five business days, delete or modify anything inaccurate, incomplete or unverifiable, and send you the results (15 U.S.C. § 1681i). Once the bureau forwards your dispute, Plaza must investigate, review what the bureau sends, and modify, delete or block what is inaccurate, incomplete or unverifiable (§ 1681s-2(b)).
With Plaza. Plaza says consumers with a dispute may contact its Compliance team at 877-475-1103, and lists its address as Plaza Services, LLC, 110 Hammond Drive, Suite 110, Atlanta, GA 30328, and its email as info@plazaservicesllc.com. It asks that letters include the account number and the original creditor’s name, and says it responds within 30 days. If a letter you received gives different contact details, use the letter.
A furnisher must reasonably investigate a direct dispute about your liability, the account terms or your payment history sent to the address it specifies or lists on your report (12 C.F.R. § 1022.43). If a Plaza letter reached you, the debt verification letter template covers asking a collector to verify the debt; telling Plaza you dispute it is also what triggers its duty to report the debt as disputed.
When a Plaza Services dispute fails
If a Plaza entry was not yours, not accurate or past its reporting period, and it came back verified after a bureau dispute, federal law may give you a claim:
- The furnisher’s investigation (15 U.S.C. § 1681s-2(b)). Plaza must investigate a dispute the bureau forwards to it.
- Reinvestigation (15 U.S.C. § 1681i). The bureau must reasonably reinvestigate your dispute.
- Accuracy (15 U.S.C. § 1681e(b)). A consumer reporting agency must follow reasonable procedures to assure maximum possible accuracy.
- Disputed debts (15 U.S.C. § 1692e(8)). A debt collector may not communicate credit information it knows or should know is false, “including the failure to communicate that a disputed debt is disputed.”
Section 1681s-2(a) and the direct-dispute rule are enforced by federal and state officials, not by private suit (§ 1681s-2(c), (d)); the bureau dispute is what brings in § 1681s-2(b).
For a negligent FCRA violation, the statute provides actual damages plus attorney’s fees (§ 1681o); for a willful one, actual damages or statutory damages of $100 to $1,000, punitive damages as the court allows, and attorney’s fees (§ 1681n). FCRA suits must be filed by the earlier of two years after you discover the violation or five years after it occurs (§ 1681p). For a § 1692e(8) violation, the FDCPA provides actual damages, additional damages of up to $1,000 as the court allows, and costs and attorney’s fees (15 U.S.C. § 1692k(a)), and suit must be filed within one year (§ 1692k(d)).
Where your situation fits
The guide to removing collections from a credit report covers the steps in order. Plaza sits alongside LVNV Funding, Portfolio Recovery Associates, Midland Credit Management and the rest of the directory of debt collectors and furnishers. If a dispute has already failed, the FCRA lawsuit page sets out what comes next.
I handle these cases on contingency. The cases I have filed include collection accounts that kept reporting after the debt was paid or settled, collections that belonged to someone else, and a collection that stayed on a report after the collector lost the debt case in court.
Have your Plaza Services entry reviewed
Send me the report page showing the Plaza Services entry, any letter from Plaza or an agency collecting for it, your payoff or settlement letter, and whatever came back after your dispute, and I will tell you whether I see a claim. The FCRA attorney page covers how these cases work. Contact the firm to have your report reviewed.
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This page is about credit reporting accuracy. The Kim Law Firm is not affiliated with Plaza Services, LLC, any agency or law firm collecting for it, LVNV Funding, Portfolio Recovery Associates, Midland Credit Management, Experian, Equifax or TransUnion, and this page is not a complaint about any of them. It describes how purchased collection accounts can appear on credit reports and the rights consumers have when an entry is wrong.