XXXX inserted collection on my credit bureau. Per letter sent to me by creditor a verification of debt was requested promptly on XXXX XXXX, XXXX ( attached ). A letter to all XXXX credit bureaus was sent on XXXX XXXX, XXXX. No response from XXXX has been received as of XXXX XXXX, XXXX. A call to creditor on XXXX/XXXX/XXXX acknowledges receipt of letter dated XXXX/XXXX/XXXX for verification. They also acknowledge they can not verify accuracy of debt or date of first delinquency. Per my records, this account was paid in full to the original creditor and the account was closed prior to XXXX. Per the Fair Debt Reporting Act, any debt reporting needs to be accurately reported and a verification of debt is required if requested by consumer. Furthermore, any debt with first date of first delinquency over 7.5 yrs from the original debtor can not be reported to the CRA 's.