Do collections agencies have access to Credit Bureaus? It seems like every year we pull our free credit reports, within days we start to get calls from strange collection agencies trying to collect on debts we had 10+ years ago. Every once in awhile I get a call on an old VISA card I had when I was 18 (20+ years ago) that was paid and closed by my parents. Everytime I have to ask them what was the last date of activity on the account, then they tell me, I remind them of the Statute of Limitations, and then the CA rep says goodbye. So we pulled our CB’s yesterday and today we got a call from a junk debt buyer collection agency named JD Enterprise on a 10 year old AT&T account that we paid a long time ago. He wants us to prove we paid it. I’m pretty sure I can not find a receipt or bank records from 10 years ago. But my questions are as follows:
Isn’t 10 years past the Statute of Limitations for collections?
Is it legal for one of the junk debt buyers to access my CB and add a negative entry on this old debt, by basically changing the last date of activity or re-aging the account?
Is it legal for this same company to threaten to sue me and tell me that a process server is on their way to where I am unless I call them and agree to pay them?