Any collection, regardless of when they obtain collection authority or when they report, will become excluded by the CRA no later than 7 years plus 180 days from the DOFD.
Exclusion of the collection from your credit report, and thus from scoring, is done by the CRA. It is not based on whethr the debt collector ceases or continues reporting to the CRA. A debt collector is required to provide the DOFD on the OC account to the CRA no later than 90 days after they report their collection, and the CRA then monitors that date to determine when they excluded. The maximum date they must exclude is no later than 7 years plus 180 days from the DOFD, but they routinely exclude at approx 7 years from DOFD.
A consumer can, at any time, send a cease communication notice to a CRA, which requires them to immediately cease any communications with the consumer.
If you wish them to stop calling or writing, simply send them notice to do so. See FDCPA 805(c).
