Debt collector bonding/licensing requirements are not provided under the FDCPA or FCRA, as they are reserved to the individual states.
It is simply not an issue that congress has chosen to regulate, probably because some debt collectors may not be engaging in interstate commerce, and are doing business only in their state and only with consumers residing in their state. Regardless, it is reserved to the states
What they can or cannot do is thus specified in your state debt collection practices code. Some states prohibit any collection activities without licensing and/or bonding, while others dont.
Reporting to a CRA is a debt collection activity, as it has become one of the primary tools used by debt collectors. As a part of any state civil action, I would thus include their reporting as one of the violations of their debt collection activities. The state court certainly has the authority to require deletion of reporting that violates their state code.
I would call the state agency responsible for licensing and bonding of debt collectors. They will advise you as to both violation and how to proceed.
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