Opened a dispute with the credit bureaus over this...

Opened a dispute with the credit bureaus over this collection agency. #1 know your rights. The Statute of Limitations in Texas is Four Years from the date of default. That is not 4 years from the date Sarma buys your account debt. The Texas Debt Collection Act also penalizes companies like Sarma that continue to attempt collection by reporting information to the Credit Bureaus after the 4 year period of default has passed. After contacting the Credit Bureaus through official dispute and explaining this debt was generated in Texas, State law governs that Sarma be removed from the credit report after the statute of limitations deems Sarma to be an invalid collector. Sarma Collections entered no contest to the dispute, likely avoiding a damages claim. This is because you cannot report on a debt you are not lawfully able to collect and thus they were removed across all three Credit Bureaus from my report. My advice to Sarma: You have 4 years from the moment the person defaults with their original creditor - not you. Get better lawyers.