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.
They are not hounding me for money, I don’t owe them anything. They are trying to locate my deadbeat ex-wife who continues to build up bad debt.
Since her credit report shows me as an ex-husband they figure they can harass me for her current contact information.
I would give it to them if I thought it would stop the calls but I know it won’t (I tried it before) and the only people I dislike more than my ex-wife (who put be in $32 K worth of credit card debt and then left me holding the bag) is credit card collectors.