When a debt collector reports a collection, they are required to provide the DOFD on the OC account to the CRA within 90 days.
It is not a violation for them to report their collection, even if beyond the credit report exclusion period, it is the responsibility of the CRA to monitor the time from the reported DOFD, and ensure that they issue no credit report containing the collection once more than 7 years plus 180 days has expired from the DOFD.
If a debt collector reports a collection and a DOFD that is older than 7 years plus 180 days, they know it will not appear in the consumer's credit report.
Providing a consumer with notice that they are collecting on a debt that is past SOL and credit report exclusion is done to advise the consumer who currently owns the debt and who to pay. They know that some consumers may still be compelled to pay such old debts under certain circumstances, such as when applying for a mortgage, and the prospective lendor requires satisfaction of any unpaid, delinquent debt.
The consumer can send a cease communication letter under FDCPA 805(c), but has no authority to compel a debt collector to cease and desist other legitimate collection activities, such as continued pulls of the consumer's credit report.
