Re-Aged, Now What?
If a collection agency has unlawfully re-aged an item, how can I fix it?
Lily
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Hi Lily,
It is unlawful for a collection agency to re-age an account. You should send the CRA(s) a CMRRR letter advising of the re-aging. If that doesn’t solve the problem, then you can file a complaint with the FTC and there is a private right of action under the FCRA for s-2(b) violations.
The best consumer lawyers in the country can be found at MyFairCredit.com and they have a free case evaluation on their main page. If after you have tried to resolve this with a few CMRRR letters and have documented your case, then take it to the next level.
Thanks for the questions.
Paul
This author is not an attorney and this information should not be considered legal advice. Please consult an attorney for legal advice.
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