I'm not sure what you mean by "sending verification requests to the CRAs." Are you disputing accuracy of specific information reported to your credit report?
The CRAs arent involved in verification of debt, only reinvestigation of the accuracy of reported information.
Debt verification goes only to the debt collector, for the purpose of requiring them to obtain verification from the creditor that the debt is valid and to disclose the amount of the debt. It is separate from any dispute filed under the FCRA. You can do one, the other, or both, depending upon whether their reporting itself is also considered inaccurate.
Requests for debt verification must be sent within 30-days of receipt of their dunning notice in order to compel the debt collector to cease collection on the debt until such time as they provide the requested debt verification. Debt collectors are never placed under any time period to provide the requested verification under FDCPA 809(b), and it is the cease collection bar imposed by a timely DV that provides their incentive. If your DV would now be untimely, it wont impose that bar, and can be ignored by the debt collector. Failure to provide debt verification is not basis for compelling deletion of their credit reporting... it is a debt collection practices matter between you and the debt collector.
That is not to say that you cant or shouldnt send a DV. However, if untimely, it wont compel any response or cessation of collection activity on their part.
