cancel
Showing results for 
Search instead for 
Did you mean: 

***UPDATE*** DV response.....simple question...?

tag
RobertEG
Legendary Contributor

Re: DV response.....simple question...?

There is no provison of the ferderal DV process that requires deletion of a reported collection pending debt validation.

Their deletion is thus voluntary.  They have some business reason for the deletion, but only they can provide their reason, and it is not mandated.

As a side-note, the DV process under the Texas Financial Code does provide for a required deletion if they cannot provide requested validation within 30 days of a DV request made under that state code, but there is no such provision under the federal FDCPA.

 

It will remain deleted unless/until they send a new reporting to the CRAs.

If your DV request was timely, then case law interpretation of the cease collection bar imposed by a timely DV may be considered as a bar against reinsertion until they have first validated.

 

Message 11 of 12
Brooklyn2018
Valued Contributor

Re: DV response.....simple question...?

Thank you, RobertEG! 👍

Goal Score: 600(within a year)**MET MY GOAL** | Goal Score: 700**MET MY GOAL** | Goal score: 800
Take the myFICO Fitness Challenge




>


I❤️NY
Message 12 of 12
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.