Legal Question in Credit and Debt Law in California

Can A Bank Keep Pe-Posting An Old Discharged Debt on the Credit Record?

In 1999 Washington Mutual allowed an unauthorized debit against my bank account which resulted in a large overdraft and the eventual closure of my account. A few weeks later they sent me a letter stating that the debt was ''charged off'' and I never heard from them again. Now after 5 years they sent me a collection notice that's clearly intended just to make sure the item stays on my credit record. Is it legal for a creditor to keep putting the same debt on someone's credit record even after they said they charged it off?


Asked on 3/24/05, 2:26 pm

1 Answer from Attorneys
Ken Koenen Koenen & Tokunaga, P.C.

Re: Can A Bank Keep Pe-Posting An Old Discharged Debt on the Credit Record?

If it was a valid debt, it will remain on your credit record for 7 years from the date of the charge off, or last activity prior to charge off (such as when they closed the account).

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Answered on 3/24/05, 2:30 pm


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