A dispute is to challenge the accuracy of their reporting. It requires the identification of some inaccuracy as a basis for them to investigate the dispute.
Simply stating you want verification is not basis for a dispute, and in response to a legitimate dispute, the furnisher is only required to investigate and reach a finding, not to provide documentation or "prove" its accuracy. Verification, provided they have some support, in not difficult.
The DV process does not require the consumer to provide any supporting documentation of an actual error. It requires only a request that they investigate and state they have basis for verification. The CRAs have zero involvement in the DV process, so it is not proper to send DV related issues to them.
While the DV process is thus much simpler to request, it also does not require them to "prove" anything, and does not even require a response.
It requires them to cease active collection until such time as they choose to provide the requested debt verification.
AS for their reporting, a collection can be reported as open as of the date they receive their collection authority. Reporting a later date as the open date is their perogative, but it is essentially meaningless. The date of ultimate credit report exclusion of their collection is based solely on the DOFD on the OC account, not upon any activity they take or report other than the DOFD.
