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Ok guys,
I emailed and requested a DV from ERC, they replied they would verify with OC and not to reply back. That was 45 days ago. I was thinking of giving it 60 days since the current climate we are in, but what should be my next step? Should I respond back saying it's been 45 or 60 days and threaten to file a complaint with CFPB, or just file a complaint. I have eveidenxe of a certified letter sent for DV and also an email response from ERC.
There is no periiod within which the debt collector must respond to a DV request.
A DV request imposes a cease collection bar on the debt collector if the consumer sends the DV request within 30-days after dunning notice, which then prevents continued active collection of the debt until the debt collector has first sent the requested verification. See FDCPA 809(b).
A debt collector can choose to wait indefinately in sending the requested verification.
A violation of the FDCPA only occurs if/when they resume collection activities, such as phone calls or letters, prior to sending of the verification.
There is no basis for a complaint to the CFPB or civil action based on their delay in sending the requested verification.