You are speaking of two different things here;
the FDCPA controls collections of debt. If the creditor has not contacted you, the FDCPA does not apply.
What you are concerned with involves the
FCRA
You should read the act in its entirety but for specific direction of your question, scroll on down to §611.
The max time for listing such debts would be 7 years but take note of when the beginning of that time is since it may not be from the point you believe it is. Effective listing time is actually closer to 7 1/2 years but you still need to determine what the date of deliquency is so as to know when to start that running of time.