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

In Washington, debt collectors are governed by consumer debt defense law regarding reporting a debt to the credit bureaus. The law states that debt collectors can only report a debt to the credit bureaus if the debt is valid and accurate. Debt collectors must first notify the borrower in writing about the debt within five days of making contact. This notification must include information about how to dispute or validate the debt. If the debt is found to be valid, a debt collector can report it to the credit bureaus. Debt collectors must also provide information to the credit bureaus in order to report the debt. This includes the name and contact information of the collection agency, the amount of the debt, the date it was incurred, and the last payment date. Additionally, the credit bureaus must be notified of any disputes or changes to the debt. Debt collectors must comply with consumer debt defense law when reporting a debt to the credit bureaus. Failure to do so can result in civil or criminal penalties. It’s also important to remember that debt collectors are not allowed to report debts to the credit bureaus if the debt is no longer valid or accurate. If that is the case, the debt collector may be required to remove the debt from the credit report.

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

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