The debt collector can still call and attempt to collect provided they comply with all provisions applicable to attempts to collect on a debt that is now outside of SOL.
In CA, for example, if the debt collector is a buyer of a debt you incurred with another, they have specific provisions of disclosure that must be included in their initial communication with the consumer. See California's Fair Debt Buying Practices Act for details.
Any debt collector is required under FCRA 623(a)(5) to obtain and report the DOFD on the OC account to the CRA, which must be reported no later than 90 days after reporting of their collection. The CRA is then precluded from inclusion of the collection in any normal credit report they issue if more than 7 years plus 180 days has expired from the DOFD.
Since the DOFD is a fixed, date-certain, credit report exclusion of any collection cannot be extended by any action of the debt collector, period.
Stated differently, it cannot now be included in any normal credit report issued by a CRA once 7 years plus 180 days has expired from the DOFD.
However, while credit report exclusion prevents a lendor from becoming aware of an unpaid debt by requesting a normal pull of a consumer's credit report and seeing derogs, such as an unpaid collection, it does not prevent them from otherwise becoming aware of the debt.
They can request a full factual credit report if the principal amount of the credit under consideration is at least $150K,, and/or they can simply request the consumer to make a disclosure of any unpaid, delinquent debt. Lendors very rarely will request a full factual credit report, which contains any derogs without any exclusions. They normally rely upon any public records for judgments, a normal credit report, and a disclosure signed by the consumer. It varies by lendor.
