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digitalmynd

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Can a debt collector put an old debt back on my credit?
So earlier this year I started the process of buying a home. I had some old collection accounts on my credit and I have paid them all off as of Feb. Today I get a call from a debit collector about an over drawn checking account back in 2006? I asked why I was never told of this in the past. He gave me an address they said they sent letters to but I have never lived there. My ex wife did (it was a joint account). He was trying to get me to pay $288, I am an honest person and I explained this was more than likely from my ex and I was willing to pay what the bank paid out on her behalf but I refused to pay any fees. He said he did not have that information. I said then at this point I'm going to refuse to pay, he came back with his client will have no choice but to place this on my credit report ( I cannot have this happen as I'm in the process now of buying a home ) I explained to him I knew my rights and and that the CRA's go by the day of the original default not when the debit is sold and based on this information they cannot place back on me credit and if they did I would have it removed and file a FDCPA complaint. He then said that I made a payment back in 2009 on part of this debit, this is not true. I know I did not and I know they cannot prove it either. My question is what if for some reason my ex wife made a payment back in 2009, would that enable them to place back on my credit report? I have no communication with her to ask her.

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