I have been asked this question frequently. Yes, Credit Reporting is an attempt to collect a debt. Until now, I have not pasted any case law. I was doing research and stumbled upon this is a case against my BFF, Midland:
Credit reporting constitutes an attempt to collect a debt. See, e.g.,
Rivera v. Bank One, 145 F.R.D. 614, 623 (D.P.R. 1993)(a creditor’s report of a
debt to a consumer reporting agency is a “powerful tool, designed, in part,
to wrench compliance with payment terms from its cardholder”); Matter of
Sommersdorf, 139 B.R. 700, 701 (Bankr.S.D. Ohio 1991); Ditty v.
CheckRite, Ltd., 973 F.Supp. 1320, 1331 (D.Utah 1997).
There’s some case law for you! Please forward me more or post more to this blog post if you run across more. This is likely more than you will ever need.
…and yes calling Midland my BFF was sarcasm.
Still fighting the essential fight,