The debt validation process under FDCPA 809 provides a consumer the ability to send a request for debt validation to a debt collector, but it does not set any period for or requirement for the debt collector to send the requested validation. The 30-day period is imposed on the consumer, who must send within 30 days of receipt of dunning notice in order to impose a cease collection bar.
A debt collector can choose to delay any validation in response to a timely DV request indefinately, provided they do not continue any active collection on the debt.
As for "documenatation" of the debt, the FDCPA does not explicitly require that they provide factual documentation to support their validation.
It is left to the courts to interpret the degree of factual documentation required to adequately verify a debt.
It varies with federal judicial jurisdiction, but in general, the courts have held in most jurisdisdictions that factual documentation is not required.
They must, at a minimum, investigate and provide a determination based on that investigation.
Challenge of the adequacy of any validation is handled on a case by base basis by the court under its own precedents.
