If You Disagree
If you dispute an item in the file a debt collector has on you, you should give the debt collector written notice. The debt collector must provide you with the necessary forms for the written notice, and must help you fill out the forms if you request it. The debt collector has 30 days after receiving your written request to determine whether or not the disputed item is correct. If it is incorrect, it must be corrected. The debt collector must notify anyone who has already received a report containing the incorrect item. If, at the end of 30 days, the debt collector has not been able to determine whether the item is correct or not, he or she must make the change you requested and notify anyone who received a report containing the incorrect item. If it is later determined that the item was correct after all, you must be notified and collection efforts may be continued.
Under the TX code, they must cease collection, and must respond within 30 days.
There is no 30-day timeliness provision from dunning notice for a consumer to send a request under the TX code.
However, the TX code does not compel that they must verify within 30 days.
If, in their required response, they state that they have not yet obtained verification, then they must delete their reporting with the CRA.
However, the TX code specifically provides that they may reinsert the deleted reporting if and when they do provide the requested verification.
The TX code does not modify the provisions for the federal DV process.
Thus, TX residents do not receive a 30 day response requirement to a DV request made under the FDCPA.
They must separately send a request to the debt collector, citing the TX financial code.