Note: The DearEsq free 'ask a lawyer' site is offered as a free informational service to the public and is not intended as legal advice. Laws vary from state-to-state, and in addition every situation is unique, and relevant facts may not be known. The answer to the question posed below may not apply to in your state or to your situation. For legal advice in your state and your situation you should consult with an attorney in your state who is familiar with the rules and laws in your state.
“If a credit reporting agency never sent you anything stating you have a debt owed to a creditor and you find it on your credit report 1 yr later, is the debt still valid?”Yes.
Recommended Reading (click on the picture for details):