DV requests are not "disputes" under the provisions of the FCRA, they are debt collection practices matters under the FDCPA.
The CRAs have no involvment in the DV process. DV requests are not reported to a CRA and do not appear in your credit report. They are private debt collection practices matters between the cosumer and the debt collector.
DVs are sent directly to the debt collector, with no inolvement or knowledge thereof by the CRA.
DV requests do not relate to the accuracy of information in your creit report. They relate to vlaidity/verification of the debt, and/or the name of the ortiginal creditor.
A DV need not ideintify any specific inaccuracy in credit reporting, and indeed can be sent even if the debt collector has not reported to a CRA.
In distinction, a dispute under the FCRA applies only to information that is in your credit file/report, and must identify the specific inaccuracy and proivde some documentation of why it is asserted to be inaccurate.
The confusion arised party because both the FCRA 611 and FDCPA 809 use the term "dispute.""
However, they are very different in nature. A dispute under the FDCPA is of the validity of the debt as oppoes to accuracy of credit reporting
.
