Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9046374
Complaint Overview
Complaint ID: 9046374
Company: Bth Management
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Ohio
ZIP Code: 44111
Date Received: 2024-05-19T12:00:00-05:00
Date Sent to Company: 2024-05-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Cease and Desist Unauthorized Credit Reporting Ohio FCRA Identity Theft Fraud Laws Reference Dear PLAZA SERVICES LLC, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Ohio Fair Credit Reporting Act ( FCRA ) under Sections 1349.191 ( A ) ( 2 ), 1349.192 ( A ) ( 2 ), and 1349.193 ( A ), the Ohio Identity Fraud Laws under Sections 2913.49 and 2913.51, and other relevant statutes. It has recently come to my attention that PLAZA SERVICES LLC has engaged in unauthorized reporting to my credit report without obtaining my explicit consent, as required by federal and state laws. The FCRA unequivocally mandates that the consent of the consumer is essential for such reporting activities under Section 1349.191 ( A ) ( 2 ). Furthermore, Ohio state law, specifically Section 1349.191 ( A ) of the Ohio FCRA, underscores the necessity of consumer consent for credit reporting. Additionally, Section 1349.192 ( A ) ( 2 ) of the Ohio FCRA establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws in Ohio, such as Sections 2913.49 and 2913.51, emphasize the severity of unauthorized access and misuse of personal information. I assert with unwavering certainty that I have not provided consent for PLAZA SERVICES LLC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. I demand, with the utmost certainty, that PLAZA SERVICES LLC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1349.191 ( A ) ( 2 ) of the Ohio FCRA and other relevant state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the Ohio FCRA, state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. I anticipate your immediate attention to this matter and expect that PLAZA SERVICES LLC will promptly rectify these egregious violations, respecting my rights under federal and state laws. Done in good faith.
Frequently Asked Questions
What is Complaint #9046374 about?
Complaint #9046374 was filed against Bth Management regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-05-19T12:00:00-05:00.
How did Bth Management respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Bth Management?
Yes, visit the Bth Management company profile at readthecomplaint.com/company/bth-management to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.