Re: new debt[ Edited ]
12-26-2012 09:35 AM - edited 12-26-2012 09:37 AM
Once a debt collector has intiated communication with a consumer, including posting to their credit report, they are required to provide the consumer a collection (dunning) notice within 5 days thereafter.
They were required to have sent dunning notice within 5 days after their reporting. Failure to have done so is a violation of FDCPA 809(a).
Lack of timely dunning notice is not, in and of itself, disputable under the FCRA, as the issue is their failure to have complied with their debt collection practices obligations, not the accuracy of the reporting itself.