Question about verification

[Minato08]

I sent a PFD request to a CA, because the CA placed a collection on my CR.  The CA responded in writing as if it were a validation request.  The writing contained the OC, a file number, amount and that it was applied by the health insurance carrier as a deductible (doesn't sound right, but that part seems irrelevant).  The letter concludes that a copy of the explanation of benefits from the OC was requested and when it is received, the CA will forward it to me.

Since then I contacted the CA with regard to the PFD request and he seems to be dragging his feet.  Although he won't conclusively refuse to sign the PFD, I do not expect him to at this point.

My question relates to the verification request.  Since the CA took it as a validation request originally, is he still required to provide validation within a specific period of time (30 days IIRC)?  Does the original letter contain the requisite information?  And, If not, can I have this removed from my CR if he fails to validate? 

I received this letter on July 13.

Any input is appreciated.  Thanks in advance.

[Anonymous]

What they sent you was a proper DV response. 

Even though you did not ask for it, it would more than likely suffice for one if you did.  One note, the CA does not have a time limit in which to respond to a DV request.  It is the consumer that has 30 days to either request validation or dispute the debt, once they receive a dunning notice.  The only state that gives a time limit for a response is TX.

[Minato08]

Thanks for the quick response.

Maybe you can offer your opinion on this next idea.  Since, the CA is being very hesitant in accepting the PFD offer (he keeps mentioning his comfort level in signing the agreement as if I'm the one trying to get over on him - irony), should I make an attempt with the OC?  I was hoping to get this deleted from my CR using a method that makes sense to me, rather than the lengthy HIPAA process (which does not give a concrete basis for deletion as far as I can tell).

[Anonymous]

I agree with you on the HIPAA process as far as deletions are concerned.

It is always best to work with the OC on any debt.  If they will accept your money, see if they would recall the account from the CA at the same time.