There are laws against such "lying" but the burden of proof is on the victim as a practical matter [+], so of course creditors don't care when they make mistake

There are laws against such "lying" but the burden of proof is on the victim as a practical matter [+], so of course creditors don't care when they make mistakes. [+] Technically the burden of proof is on the creditor but victim has to continue to reach out to insist on such proof. If they do not expend extraordinary efforts to do so the record is against them.