Real ChatGPT answer · index seed3wzrmQD7j4scompleteFinance and banking · credit scores and repairinformational
Can a debt buyer legally put a brand new collection account on my credit report for a debt that is past the statute of limitations in my state?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Can a debt buyer legally put a brand new collection account on my credit report for a debt that is past the statute of limitations in my state?
3 real searches · 1 real-search pass
CFPB debt collector credit reporting time barred debt date of delinquency re-aging FCRA seven yearsGoogle ↗
OBSERVED
FTC Fair Credit Reporting Act collection account date of delinquency seven years debt buyerGoogle ↗
OBSERVED
California statute limitations written contract four years debt collection time barred debt credit reportingGoogle ↗
OBSERVED
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
Classifying 3 queries…
Searches and sources
ChatGPT3 real searches · gpt-6
CFPB debt collector credit reporting time barred debt date of delinquency re-aging FCRA seven years Google ↗
FTC Fair Credit Reporting Act collection account date of delinquency seven years debt buyer Google ↗
California statute limitations written contract four years debt collection time barred debt credit reporting Google ↗
- 15 U.S.C. § 1681c: Requirements relating to information contained in consumer reports · uscode.house.gov
- Consumer Reports: What Information Furnishers Need to Know · search.ftc.gov
- Debt Collectors | State of California - Department of Justice · oag.ca.gov
- Resolving debt before a lawsuit | California Courts · selfhelp.courts.ca.gov
- Can debt collectors collect a debt that’s several years old? · consumerfinance.gov
- AnnualCreditReport.com · annualcreditreport.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
CFPB debt collector credit reporting time barred debt date of delinquency re-aging FCRA seven years OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
FTC Fair Credit Reporting Act collection account date of delinquency seven years debt buyer OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
California statute limitations written contract four years debt collection time barred debt credit reporting OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |