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They never sent a bill- can they charge off?


tinahawk
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I moved to a different state in 3/2001. I turned off all my utilities and provided a new address. However, I never received a final bill from the Utility company (Electric). In 2/2002, I received a notice of collection for $100. I called them, explained that I had never received a bill. They said that my address had never been updated. I paid the bill immediately (over the phone).

Now I've pulled my credit report and this shows as a paid charge off! Are they legally allowed to do this since they never sent a bill?

I've read the FCRA and I don't see anything regarding them having to notify me before putting it in collections.

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