Debt collectors bank on one thing: you not knowing your rights. Most people don’t realize that debt collectors are regulated by federal law. They cannot harass you. They cannot lie to you. They cannot report inaccurate information. And they absolutely cannot violate your consumer rights without consequences. Two major laws protect you: The Fair Credit Reporting Act (FCRA) – This law governs how your credit information is reported and disputed. If a collector or credit bureau reports inaccurate,