Plaza Services appears on credit reports for debts people took on with someone else entirely — because it is a debt buyer. It purchases past-due accounts outright and then collects and reports them under its own name, so “PLAZA SERVICES” can show up on your file even though you never did business with any company by that name.
What Plaza Services is
Plaza Services, LLC is an Atlanta, Georgia company — 110 Hammond Drive, Suite 110 — that its Better Business Bureau record lists as a collections agency and debt buyer, in business since 2014, with services that include debt portfolio acquisitions and credit reporting. Its own website publishes a credit reporting policy: it states that it attempts to notify consumers in writing before reporting, deletes tradelines within thirty days for accounts that are closed or satisfied, and automatically deletes unpaid tradelines seven years from the delinquency date.
The errors to look for — test the entry against their own policy
Purchased debt is where credit reporting goes wrong most often, because the account has changed hands. Look for: a debt that is not yours at all; a balance larger than what you owed; an account you paid or settled that is still reporting — under the company’s own published policy, satisfied accounts should have their tradelines deleted within thirty days; a debt more than seven years past delinquency still on the report; and the same debt reported twice, once by the original lender and once by the buyer. If the account is one you never had, start with our collection that is not yours page; if you paid it and it still shows, our paid off but still reporting page covers that exact problem.
How to dispute a Plaza Services entry
With the credit bureaus. Dispute in writing with each bureau showing the entry. The bureau generally has thirty days to investigate, and the company that reported the debt must investigate what is forwarded to it. Keep copies and proof of mailing.
With the company. Plaza Services publishes its consumer contacts on its own website — 110 Hammond Drive, Suite 110, Atlanta, GA 30328, telephone 877-475-1103, email info@plazaservicesllc.com. You can also demand validation of the debt itself; our free debt verification letter template covers how.
When the dispute fails
If the entry comes back “verified” and it is still wrong — not yours, the wrong amount, too old to report, or reported in a way that contradicts the company’s own published policy — the Fair Credit Reporting Act gives you a claim against the furnisher, the bureaus, or both. Damages can include your concrete losses, the harm to your credit, and statutory and punitive damages for willful violations. The fee provision is written into the Act: in a successful action the costs and reasonable attorney’s fees are recoverable from the defendant, as determined by the court. That is why this work is handled on a contingency basis rather than billed by the hour.
You pay nothing unless we win.
Where your situation fits
Our guide to removing collections from a credit report covers the steps in order, our directory of debt collectors and furnishers lists the companies that report, and if a dispute has already failed, our FCRA lawsuit page sets out what comes next.
Have your report reviewed
The Kim Law Firm represents consumers in Fair Credit Reporting Act cases against debt buyers, debt collectors, and the credit bureaus. Send us the report page showing the entry and we will tell you whether we see a claim. Our FCRA attorney page covers how these cases work.
Contact us to have your credit report reviewed.
Admitted in Pennsylvania and New Jersey; available to appear pro hac vice in other federal courts.
This page is about credit reporting accuracy. The Kim Law Firm is not affiliated with Plaza Services, LLC, and this page is not a complaint about that company. It describes how entries can appear on credit reports and the rights consumers have when an entry is wrong.