The consumer cannot require a debt collector to either provided validation or delete their reporting.
There is no basis for such a requirment under either the FCRA of FDCPA.
Debt validation under FDCPA 809 is a process that, if timely, imposes a cease future collection activities requirment on the debt collector until such time as they may choose to provide validation. They can alternately choose not to send valiadation, and there is no violation unless they continue active collection.
if they reporte prior to receipt of a timely DV,, they are not required to delete that reporting.
As for their recent letter seeking collection, it woud be a violation only if the prior DV was timely, meaning it was sent within 30 days of dunning notice.
If the DV was timely, then further attempts to collect would be a violation that the consumer could address by way of complaint to the CFPB or by bringing their own civil action seeking damages. However, neither of those remedies woud include required deletion of the reported collection.
As for the subsequent filing of disputes with each CRA, what specifically was disputed?
When their reporting with TU was deleted, how and why was it deleted? Did the debt collector report deletion to the CRA, or did you receive a formal Notice of Results from TU indicating that they (TU) are the ones who deleted based on lack of verification of whatever was disptued?
A deletiion with one CRA is not itself basis for deletion with other CRAs. The debt collector could have chosen, for example, to voluntarily delete with one CRA, and verify with the others. If they did verify with any one CRA, that indicates that they do not consider their reporting inaccurate, and thus is not basis for requiring their deletion with any other CRA. A furnisher is only required to report their deletion to othe CRAs if they determine that it is inaccurate or cannot be verified.
Based on the facts presetnted, I see no requirment to delete their reported collection.
