Yes, the key is whether your DV was timely (i.e., sent before receipt of a dunning notice, or sent within 30 days of receipt of a dunning notice)
If it was timely, it invoked an automatic cease collection bar. Sending you a negotiation offer prior to providing debt verification while under a cease collection bar would be a clear violation of FDCPA 809(b).
So, you apparently have an FDCPA violation if the DV was timely. However, that only gets you the right to pursue an FDCPA violation, such as by complaint to the FTC, the BBB, your state AG, or civil action. It does not equate to any requirement to delete their reporting under the FCRA. A separate issue.
I disagree that by being a resident of Texas, the debt collector is required to respond to your DV within 30 days. The Texas debt collection code does not refer to the federal DV process, and imposes no direct time limitation for response to a DV under the FDCPA. A debt collector does not have to treat a DV differently based on state of residence of the consumer.
Texas residents have the separate ability to send the debt collector a "Notice of Inaccuracy" of the debt. The 30-day period under the Texas statute is for response to that Notice of Inaccuracy, not for response to a DV. It imposes its own, separate cease collection provisions, and requirements for response to that Notice. Even the Texas statute does not require verification of accuracy within that 30-day period. The debt collector can simply advise that they have not concluded their investigation, which imposes additional requirements on their part.
