---
kind: "section"
citation: "31 C.F.R. § 29.518"
title: "31"
number: "29.518"
heading: "Reporting delinquent debts to credit bureaus."
url: "https://uscodex.org/cfr/31/29.518"
---

# §29.518. Reporting delinquent debts to credit bureaus.

- (a) **Notice.** If a debtor's response to the demand letter does not result in payment in full, payment by offset, or payment in accordance with a voluntary repayment agreement or other repayment schedule acceptable to the Benefits Administrator, and the debtor's rights under [§§ 29.512 through 29.514](/cfr/31/29.512..29.514.md) have been exhausted, the Benefits Administrator must report the debtor to a credit bureau. In addition, a debtor's failure to make subsequent payments in accordance with a repayment schedule must result in a report to a credit bureau. Before making a report to a credit bureau, the Benefits Administrator must notify the debtor in writing that—
  - (1) The payment is overdue;
  - (2) The Benefits Administrator intends, after 60 days, to make a report as described in [paragraph (b)](#b) of this section to a credit bureau;
  - (3) The debtor's right to dispute the liability has been exhausted under [§§ 29.512 through 29.514](/cfr/31/29.512..29.514.md); and
  - (4) The debtor may avoid having the Benefits Administrator report the debtor to a credit bureau by paying the debt in one lump sum or making payments current under a repayment schedule.
- (b) **Report.** If, after being sent the notice described in [paragraph (a)](#a) of this section, the debtor does not pay the overpayment debt or make payments current under a repayment schedule or fails to respond to the notice, and 60 days have elapsed since the notice was mailed, the Benefits Administrator will report to a credit bureau that the debtor is responsible for an unpaid debt and provide the following information:
  - (1) The debtor's name, address, taxpayer identification number, and any other information necessary to establish the identity of the individual;
  - (2) The amount, status, and history of the debt; and
  - (3) The fact that the debt arose in connection with the administration of Federal Benefit Payments under a District Retirement Fund.
- (c) **Subsequent reports.** The Benefits Administrator must update its report to the credit bureau whenever it has knowledge of events that substantially change the status or the amount of the liability.
- (d) **Other reporting of delinquent debts.** Pursuant to [31 CFR 901.4](/cfr/31/901.4.md), delinquent overpayment debts should be reported to the Department of Housing and Urban Development's Credit Alert Interactive Voice Response System (CAIVRS).
- (e) **Privacy Act considerations.** A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, [5 U.S.C. 552a(e)(4)](/usc/5/552a.md?p=e-4), authorizes the disclosure of information about the debtor to a credit bureau or CAIVRS.

## Notes

### Source

Source: 66 FR 36705, July 13, 2001, unless otherwise noted.

### Authority

Authority: Subtitle A and Chapter 3 of Subtitle H, of Pub. L. 105-33, 111 Stat. 712-731 and 786-787; as amended.

### Source

Source: 65 FR 77501, Dec. 12, 2000, unless otherwise noted.