Welcome to the board
If you legitimately owe it then try the PFD http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-Q-amp-A-Examples-and-PFD-Success-Stories/...
What if they are incorrect? I don't owe a dime, and have EVERY receipt to prove it? Is this company reputable, or bottomfeeders who will ignore the proof as most are? I recently send a DV letter, which I KNOW they can not verify. Does anyone have experience with something like this? Possibly WITH Hunter Warfield specifically?
A DV request under the FDCPA has the advantage of requiring the debt collector to cease further collection on the debt until they choose to send verification, but only if the DV is sent within 30 days after their dunning notice. When did you receive dunning notice?
However, a DV does not require any response, even if your DV is timely, so it does not set any period within which they must send validation.
Provided they cease further collection activities, they have no period for sending any veriifcation.
As an option, you can file a dispute under the FCRA challenging the accuracy of their credit reporting.
Unlike a DV request, a dispute under the FCRA requires some basis for assertion of inaccuracy. You apparently have supporting documentation, so I would advise sending a dispute. A dispute under the FCRA also sets a 30-day period for conclusion of the CRA's reinvestigation, and sending of a Notice of Results within 5 business days thereafter, so it will force a decision within 30'ish days.
If they verify the accuracy of your dispute, then you can file a civil action and get the matter before a court for a binding legal consideration of all evidence and a finding as to the accuracy of the asserted debt. However, you must first file a dispute before filing any civil action.
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