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That is powerful for debtors and should not be overlooked.If the agency refuses to acknowledge your Validation Of Debts then a follow up Estoppel letter can be used.2) "Is it permissible under the Fair Debt Collection Practices Act for a debt collector to report, or continue to report, a consumer's charged-off debt to a consumer reporting agency after the debt collector has received, but not responded to, a consumer's written dispute during the 30-day validation period detailed in 1692g?" As you know, Section 1692g(b) requires the debt collector to cease collection of the debt at issue if a written dispute is received within the 30-day validation period until verification is obtained.You may never even receive the proof even after many requests.Many consumers never hear from the collector again after they ask for Validation Of Debts.Everything you need to know about Validation Of Debts-Estoppel- Understand debt validation including rights under the Fair Debt Collection Practices Act This page covers Validation Of Debts: Validation of debt.
First things first When you receive the very first notice from a collection agency, be sure to send your Validation Of Debts before the 30 day period!!
If you do not dispute the debt, then the collector can continue dunning you and requesting that you pay.
It is in your best interest to dispute the debt in writing after you receive the first notice from the collector.
Because we believe that reporting a charged-off debt to a consumer reporting agency, particularly at this stage of the collection process, constitutes "collection activity" on the part of the collector, our answer to your question is No.
Although the Fair Debt Collection Practices Act is unclear on this point, we believe the reality is that debt collectors use the reporting mechanism as a tool to persuade consumers to pay, just like dunning letters and telephone calls.