What you now have is a statement by the debt collector that they have conducted an investigation of the asserted debt, and have reasonable basis to verify that they consider it accurate. That could have been nothing more than a confirmation from the creditor that the debt is valid and owed. The DV process is not a fact-finding process, it is a process that requires them to state that they have investigated, and have reasonable basis for confirming that the debt is valid. Verification need not include proofs.
Sending a copy of the original contract was actually more than was required under the statute.
So where you now stand is that you have exhausted the administrative DV process. They have verified. If you wish to pursue the accuracy of the debt, then you will have to bring the issue before a party authorized to review all the facts and making a legal finding. The courts.
Absent pursuing the valdidity of the debt, you either pay or continue to put up with whatever collection efforts are made. The ball is in their court.
If SOL has not expired, they could bring legal action. If SOL has expired, they can continue to call unless you send them a cease communication letter.
You could then simply wait for the credit report exclusion period to expire, and rely on its exclusion from your CR as a shield against others finding out about the unpaid debt. You can pay it, thus having no unpaid delinquent debt, or you can hold out for a PFD agreement, which if not accepted, leaves the ball in their court as to further collection efforts. Lots of choices.
