As to the two separate questions.....
No, there is no requirement that a debt collector ever respond to a DV.
The requirment under FDCPA 809(b) is that they must cease active collection on the debt until such time as they provided verification.
The intent of the DV process is to week out frivolous or spurious collections by requiring them to first provide assurance that they have investigated the legitimacy of the debt and informed the consumer that they obtained adequate basis to verify that you are ther resonsible consumer.
FDCPA 809(b) does not list any and all types of actions by a debt collector that are considered to be barred collection activites.
However, the courts have established, in numerous decisions, that reporting to a CRA prior to having first provided debt verification is a barred collection activity, so yes, it as a violaltion of section 809(b).
How to deal with their improper reporting is a bit iffy.
The reporting per se is not inaccurate, and the CRAs are not a party to debt collection practices issues under the FDCPA, so may decline to make their own ruling of a vioaltion of section 809(b) and delete based on a consumer dispute. To do so would involve them in making determinations of adequacy of debt verifcation in cases where the debt collector asserts they have provided verification.
The normal path is to file a formal complaint with the CFPB for their violation of FDCPA 809(b).
