They most likely deleted simply to get you off their back.
I dont see any actual violation of the FDCPA or FCRA on their part.
They stated, in response to your DV, that they had investigated, found the debt to be legitimate, and took the addtional step to send you some form of documentation.
Providing documentation to support their finding of their investigation is not a requirement of FDCPA 809(b), so they actually did more than required under the statute.
If you question whether they conducted an investigation, or whether their investigation supports their finding, you would need to file civil action to compel them to disclose the evidence they relied upon in their determination. I dont see any basis for the FTC or CFPB to reach an administrative determination that there was any clear violation of the FDCPA.
Yes, they can reinsert without any special showing. The FCRA has restrictions on the reinsertion of deleted information that apply only if the information was deleted based on lack of verification in a prior dispute filed under the FCRA. A DV process is a debt collection practices matter that is not a dispute that requires any pre-certification in order to have reinserted.
I doubt they will do so, but see no restriction on their doing so.
