FDCPA 809(a) requires a debt collector to send a formal collection ("dunning") notice within 5 days after an "initial communication with the consumer" regarding the debt.
It does not explicitly cite reporting to a CRA as an initial communication that triggers requirment for a dunning notice, but various courts have interpreted that reporting to a CRA does trigger dunning notice requirment.
If they fail to send timely dunning notice, you can file a formal complaint with the Consumer Finance Protection Bureau (CFPB), who has authority to pursue administrative violations of the FDCPA and FCRA. They may issue a slap on the wrist, but such a complaint wont result in deletion of the reported collection. A debt collector can report their collection prior to sending dunning notice, so the reporting itself is not a violation.
You could also, if so inclined, bring your own civil action against the debt collector for the violation.
Having discovered it rather quickly, your damages are apt to be nil.
In a practical sense, their current lack of dunning notice actually has an advantage to you.
Any DV request either prior to dunning notice or within 30 days of dunning notice is timely, meaning it imposes an automatic cease collection bar on the debt collector, which remains in effect until such time as the debt collector chooses to send the requested validation.
They are under no requirement to or period for sending the validation. They can choose to simply accept the cease collection bar without any response.
