A proposed class action has been filed in Florida against defendant Accounts Receivable over claims that the debt collector falsely threatened to notify the major credit bureaus of the plaintiff's debt.
The plaintiff says she received a collection letter from the defendant around September 5, 2017, containing the following statement:
“Arrangements must be made immediately to avoid credit bureau reporting to the three major credit reporting agencies for up to seven years.”
According to the lawsuit, this statement is deceptive, as the law only allows debts to be listed on a consumer’s credit report for seven years from the date of default. The case points out that the plaintiff’s debt “was in default well before September 5, 2017,” meaning the obligation could not be reported for seven additional years from that date.
“Defendant’s letter is a deceptive tactic to coerce a payment from Plaintiff on the debt by threating [sic] her with harm to her credit report for significantly longer than allowable by law,” the complaint states.