This collection agency keeps calling from different parts of the country trying to get me to pay for a bill that has past it limitations.
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How old is it?
SOL depends on state law, and could be anything from 3 years to over 10. FCRA limits credit reporting to 7.5 years from date of first delinquency.
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CFPB settlement..
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http://www.consumerfinance.gov/about-us/newsr ... lect-bad-debts/ CFPB Takes Action Against the Two Largest Debt Buyers for Using Deceptive Tactics to Collect Bad Debts SEP 09, 2015 Encore and Portfolio Recovery Associates Must Refund Millions of Dollars and Overhaul Debt Collection and Litigation Practices
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FCRA limits credit reporting to 7.5 years from date of first delinquency.
CFPB Takes Action Against the Two Largest Debt Buyers for Using Deceptive Tactics to Collect Bad Debts
SEP 09, 2015
Encore and Portfolio Recovery Associates Must Refund Millions of Dollars and Overhaul Debt Collection and Litigation Practices
Portfolio Recovery Associates is subject to a settlement agreement.