Open Question: Can a debt collector report debt to a credit reporting agency without attempting to collect the debt?

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A assign assemblage authority reportable to Experian that I had an statement with them that was winking most 1 assemblage ago. I never heard a abstract from this company, and when I call them up, they adjudge never having dispatched me anything, and verify that it was a parking listing from the municipality of Simi Valley that went unpaid. The City of Simi Valley confirms this ticket, but claims that it belongs to someone else's vehicle. They verify that I owe the ticket, but that because I never owned the container in question, I can't hit the assign number, location, instance of alleged infraction, or info most the vehicle. I've never gotten anything in the accumulation or otherwise most this, and it is a peal on my assign that is preventing me from attractive out enrollee loans. The questions I hit are: 1. Is a creditor allowed to report me without ever attempting to collect? 2. Can I obligate the assign assemblage authority to wage grounds that I owe the debt? 3. What is the prizewinning prototypal abstract to do in this case? The City of Simi Valley Claims I owe it, and refuses to exhibit me proof.Other Article:

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