Can a debt collector report a debt to the credit bureaus?

Yes, debt collectors are allowed to report unpaid debts to the credit bureaus in California, so long as the debt collector is authorized to do so and the reporting is accurate. This is governed by the Fair Debt Collection Practices Act, which is a federal law that governs how debt collectors interact with consumers. Under this law, debt collectors are allowed to report information to the credit bureaus, such as when a debt has been unpaid for more than 180 days, or when a debt has been partially paid off. The law also restricts what kind of information debt collectors are allowed to report to the credit bureaus. For instance, debt collectors are not allowed to report any false or inaccurate information about the consumer or the debt. In California, there are also additional consumer protection laws that restrict debt collectors from engaging in certain activities when reporting debts to the credit bureaus. For instance, the Debt Collection Fair Practices Act prohibits debt collectors from harassing, threatening, or misleading consumers when collecting a debt. It also requires debt collectors to provide certain disclosures, such as information about the consumer’s rights, when attempting to collect a debt. Overall, debt collectors are able to report debts to the credit bureaus in California, but they must comply with both federal and state laws when doing so.

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