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Is it against the law for a company to report a debt on your credit without sending you a Dunning letter? I got a hit on my CR for a company named "ARS" for a medical debt owed by my BOYFRIEND which in turn lowered my EQ score 22 points!!! But I haven't even received a Dunning & it's been 12 days!!!!! Is this legal?????
First communications can be an entry on your CR. However, they have 5 days to send you a dunning letter afterwards.
If you haven't recieved one, yes it is a violation.
Why is your boyfriends debt on your CR? Did you sign as the responsible party?