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Debt Validation Questions

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When you send a dispute & validation request to a Debt Collector, and they do not provide validation months later. What happens if the debt is assigned to another DC or sold to another JDB, then the new DC makes contact regarding the disputed debt.

Is this a violation of the FDCPA? If they sell or assign a formally disputed debt to another for collection?

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When you send a dispute & validation request to a Debt Collector, and they do not provide validation months later. What happens if the debt is assigned to another DC or sold to another JDB, then the new DC makes contact regarding the disputed debt.Is this a violation of the FDCPA? If they sell or assign a formally disputed debt to another for collection?

It is not a violation of the FDCPA for the new collector to make contact and try and collect. The DV applies only to the creditor you sent it to not to subsequent buyers of the debt. You have to send a new DV to each new JDB that acquires the account.

Most likely JDB #1 did not respond because they knew they had or were about to sell the debt and therefore couldn't care less. They left it to the new buyer/owner.

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