Chala

Ok thanks again for your reply i appreciate your help!

Understood sir, as stated in my original post nowhere in the FCRA states that it should be removed, but it is a violation nonetheless. Respectfully i am asking for advice how to proceed? Is it valid? Not sure its back from 2015.

I am familiar with the CFPB statement which is vague at best. The first round was a generic asking for a basic verification that it, nothing factual yet. We are talking three months here though its a violation. Thanks for responding.

I disputed a collection with TransUnion, they took 80 days from the time they received my round 1 letter (certified mail) to respond which was a stall letter. I understand due to Covid-19 it would take a while but 80 days? Before the stall letter arrived i sent off a second letter demanding they remove the collection for (failure to respond) FCRA violation. 13 days after i received the stall letter i received a verified letter, so this is their response is "verified" after 93 days. I pulled my report today the collection is still there. Now they are clearly in violation but nothing in the FCRA says they must remove it. I would love to get this collection deleted how should i proceed? Thanks in advance.