Debt validation is under FDCPA 809, and not the FCRA.
FDCPA 809(b) does not explicitly require documentation in order to support adequare verification.
While case law in some jurisdictions have held that some documentation is required, that is not the norm.
Usually, a statement that they verify the debt is adequate. Since documenation is not an express requirement, absence of documentation is only inadequate if a judge makes such an interpretation of FDCPA 809(b) in their ruling on a legal action by the consumer asserting resumption of collection activities withour first having provided adequate validation. Thus, as stated in a prior response, legal action is uusually necessary to support finding of lack of verification, and any such legal action would also be required to show that the DV request was timely in order to invoke any cease collection bar. A finding by the judge will depend upon the binding appellate case law in their jurisdiction and upon the interpretation of the statute by the individual judge.
In my opinion, the providiing of an account statement from the OC is usually more than adequate validation of the debt.
Some states have enhanced debt validaiton statutes/regs that do specify some form of documentation. If you live in such a state, you would need to send a DV request under that state statute, and not under the FDCPA, in order to compel compliance with any such state requirment.
