Epic Contributor
Posts: 20,183
Registered: ‎03-19-2007
Re: Collection Reported with no prior attempt to notify me of debt..not even a letter sent via mail

Yes, it's both legal and done regularly.

A debt collector is required under FDCPA 809(a) to give formal notice of their collection activity to the consumer within 5 days after any "intitial communication" with the consumer, not before.

While reporting to a CRA is not specifically mentioned in the statute as giving rise to the requirement for collection ("dunning") notice, case law has established it to be a triggering act.  If they failed to provide dunning notice within the 5 day period, they could be subject to sanction or possible legal action for the violation, but such is rarely done.  Failure to provide timely dunning notice is not, itself, basis for deletion of their prior reporting.