I still get several calls a week (if not daily) from credit agencies looking for my ex-wife and I have been divorced for over 11 years, have lived at two different homes and changed my number twice. Theyre relentless.
I simply have to screen all my calls.
11 years?
I believe the longest statute of limitations in the USA on this stuff (absent an actual judgment) is six years.
negative information is on a credit report for 10.
The law regarding credit reports needs to change to drop negative information after the statute of limitations runs out.
There are regulations (federal) regarding attempting to collect and uncollectable debt.