daisymay Posted May 9, 2007 Report Share Posted May 9, 2007 At the end of February, I sent cease and desist letters to CAs for SOL debts (CMRRR). I'm in California, and I read somewhere on this website that in California it was illegal to pursue collection activity on SOL debts, and that continuing to actively report to CRAs is considered collection action (illegal/violation). I just pulled a copy of the credit report and it appears they have continued to report monthly to the CAs.I'd like some advice on what my next step should be...help! Link to comment Share on other sites More sharing options...
daisymay Posted May 10, 2007 Author Report Share Posted May 10, 2007 *Bump!*Comments, anyone?! Link to comment Share on other sites More sharing options...
cracrap Posted May 10, 2007 Report Share Posted May 10, 2007 the problem is in theory what ur sayin is true but practically speaking it doesnt seem to work that way,there still is the 7 year reporting period ..the department of consumer affairs and the ag wont give an opinion on record and refer u back to the ftc to complain....does this post help? yes? no?confused?theres ur answerconfusion reigns supreme yet again!!...in other words ,we can only threaten the ca's but as to whether or not we would win in court claiming violation?? havent heard back anything positive on this tactic.. Link to comment Share on other sites More sharing options...
momof5 Posted May 10, 2007 Report Share Posted May 10, 2007 Actually, You can go to the FTC.gov website, look at the cases they have listed there (go to consumer then credit). The FTC states that reporting to CRA *is* continued collection activity. Cite that. Then go to the CA statutes and cite the one which states that it is illegal to collect or attempt to collect a SOL debt. Send this to CA with demand for deletion. Link to comment Share on other sites More sharing options...
daisymay Posted May 11, 2007 Author Report Share Posted May 11, 2007 Thanks for the responses. I know negative items can remain on the credit report for the 7 to 7.5 year sol period, but thought once I clued them in with the SOL, cease & desist letter that they weren't supposed to continue reporting. The FTC/CA statutes angle is worth a shot! Thanks! Link to comment Share on other sites More sharing options...
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