45 Days ago ERC said they would DV, haven’t heard since. What’s my next step?
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.
Cards (In order of approval)
Mortgage | Auto | Authorized User
1 collection paid on TU, EX: Fall off in 2023 No Lates. Salary: 6fig
In 12/2019 aside from AU account I had Zero CL, scores in mid 500’s, 2 Collections, and using this forum I was able to get my middle mortgage score above 620 and approved as joint applicant for my 1st mortgage. 4/13/20 Approved for my 1st unsecured card. 7/20/20 Approved for tier 1 auto loan without co-signer. 7/30/20 TCL $54,500 not including my AU account. Anyone can turn their credit around, it only needs Intention, Effort, Direction, Execution, and Vision to see where you want to be.
Re: 45 Days ago ERC said they would DV, haven’t heard since. What’s my next step?
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.