To attempt some clarification.....
DVs are debt collection practices matters, and relate to requests to verify a debt that, if timely sent and unresponded to, require the debt collector to cease active collection until they provide the requested debt verification.
DVs are not retroactive, meaning that sending a DV after a debt collector has already reported imposes no requirement for CR deltion of their reporting.
DVs also set no period for their response.
Credit reporting is controlled under the FCRA, not the FDCPA.
When you send a DV, it is a request that they provide verification that does not require that you identify any specific inaccuracy.
When you send a dispute, you must document some actual inaccuracy.
I suggested a possible dispute as an alternative in that if you do have some basis for contesting the debt, you can dispute the accuracy of their prior CREDIT REPORTING under the FCRA. A different way of challenging the debt that directly addiresses it via dispute of their reporting, and not simply a request to verify the debt.
However, if you wish to pursue a dispute, you have the initial burden of asserting an actual inaccuracy, and providing sufficient information to permit them to investigate the accuracy.
So, the issue is whether you have actual basis to contest the accuracy of debt itself, or simply want them to verify that they have basis for verification.
If you can meet that initial burden, you can file a dispute, which they must respond to within 30 days. The outcome will relate to the specfic goal of deltion of their reporting, not simply verification of the debt. If they fail to verify, then the information must be deleted until such time as they do provide verification of its accuracy.
I beleive that is your goal.......
