How pfd with jdb

[treschic]

Need help with jdb. I’ve tried searching but most post are related to how not to get sued. I have an account from purchasing power from2013 past sol. Jdb parked on my credit report and it’s not budging. I T.S. for $794 and I have no idea if this amount is correct. I’ve never received any correspondence from this account until it appeared on my credit report this year. No calls or letters in 5 years. I’m cleaning up my credit to get a house next year and even though the dofd isn’t new bc it shows a report date of May 2018 I would like to be on the safe side and have it removed but don’t know how to go about it. I’ve disputed it in my credit reports and it comes back verified and I’ve sent dv with no response. I know it’s a jdb bc it says debt buyer and they are licensed in my state. Bc it’s a jdb I want to see if I can offer less than owed for deletion but have never done this before. I don’t even know if they actually own the debt. Asking for help bc most post state jdb are a different beast I’ve never delt with one and this one is sticking like cement to my reports that I need as clean as possible due to other issues. Thanks for any help

[Brooklyn2018]

Send a follow up DV(there are some floating around here) If you do not get a reply then make copies of the signed GC’s from both DV’s and the DV letters to the CRA’s and if they cannot validate the debt they’ll be removed.
Do you ANY idea how old they actually are? You can call CRA’s to find out the DOFD if you don’t have access to your immediate CR’s.

[treschic]

yes, it is from 2013. i've sent a DV twice, and received nothing, i also filed a complaint as well with the cfpb on 12/9 as well. im still waiting for a response, as of 12/21, all i received was "

SECURITY CREDIT SERVICES, LLC has responded that it is still working on your issue."

and stating they have 60 days to respond. i've been requesting information since September, and have received nothing. i will send a follow up to the CRA's. all this company does is update every month. 

[vntrsc]

Finding a collection entry on your credit report does not trigger your validation rights under the FDCPA.  The JDB was not required to respond.  

[RobertEG]

The FDCPA sets no period for response, or even any requirment to respond, to a DV request.

FDCPA 809(b) imposes a cease collection activity bar on a debt collector if the consumer sends a timely DV request, and the debt collector can choose not to respond.  Violation only occurs if the DV was sent within 30 days of the dunning notice and the debt collector thereafter resumes active attempts to collect on the debt, such as calls or letters, without having first provided the requested validation.

They have also not initiated communication with the consumer, and thus have not yet triggered the requirement of FDCPA 809(a) to send a dunning notice.  Thus, there is/was no right of a consumer to send a timely DV request that imposes any collection bar.

There is no violation of the DV process under the FDCPA.