Cease And Desist Illegal Reaging Letter

Cease and desist letter for illegal debt collection activities. It is a formal, written request to a debt collector to stop illegal or harassing communication regarding a debt, and it warns that legal action may be taken if the behavior continues. An illegal re-aging debt letter is a communication that notifies a debt collector or creditor that their practice of falsely reporting an older debt as more recent is a violation of federal law, specifically the Fair Credit Reporting Act (FCRA). This illegal tactic involves manipulating the date of the last payment or the date of first delinquency to make the debt appear newer, which resets the clock for reporting negative information and extending the statute of limitations. A letter demanding the debt be erased is a way to formally dispute the re-aging and request its removal from credit reports. This letter covers both request .