There is no requirement that a debt collector make any contact with or provide notice to a consumer prior to reporting their collection.
A debt collector is required to send a formal collection ("dunning") notice to a consumer within 5 days after an initial communication with the consumer, informing them of their right to request debt validation. Some jurisdictions have case law interpretation that reporting to a CRA also triggers a dunning notice requirement, but lack of dunning notice is not basis to compel deletion of their reported collection.
Sending a DV request within 30 days after dunning notice will then impose a cease collection bar on the debt collector, preventing them from continued, active efforts to collect on the debt, but a DV does not compel that they send validation.
Do you contest the validity of the debt, or do you accept the debt as legitimate?
