The FDCPA has provisions that allow people who are being harassed by debt collectors to recover legal and court fees. If it didn't the law would be utterly worthless since the people being harassed don't have any money in the first place, thus the defaulted bills.
There are plenty of law firms out there specializing in suing debt collectors who are harassing people. These law firms will gladly listen to anyone who has a complaint, and if it violates the standards of the FDCPA, the firm will take the case at no charge to the Plaintiff.
She could also send Experian, Equifax, and TransUnion letters demanding they investigate the false reports. If they fail to do so within 30 days, she can sue them under the Fair Credit Reporting Act.
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The FDCPA has provisions that allow people who are being harassed by debt collectors to recover legal and court fees. If it didn't the law would be utterly worthless since the people being harassed don't have any money in the first place, thus the defaulted bills. There are plenty of law firms out there specializing in suing debt collectors who are harassing people. These law firms will gladly listen to anyone who has a complaint, and if it violates the standards of the FDCPA, the firm will take the case at no charge to the Plaintiff. She could also send Experian, Equifax, and TransUnion letters demanding they investigate the false reports. If they fail to do so within 30 days, she can sue them under the Fair Credit Reporting Act.