We all know that, according to the FDCPA Section 807(8), a collection agency must mark your account as being disputed. This is also confirmed by the CASS FTC opinion letter. However, no where states how long they have to do so. Does anyone know of any case law where a reasonable timeframe has been defined? I contacted a CA on 1/27/03 disputing a debt. They did not update it as disputed until 4/23/03. To me, that is an unreasonable amount of time. The only reason they did so was because I told them in three different letters that they failed to do so and I would hold them accountable so they finally did it. I would think 90 days is a little unreasonable. Further, during that 90 days, I disputing their listing on my credit report. I started the investigation sometime in early February which means they had to complete it sometime in early March. Despite verifing their entry at the end of the investigation, they did not update it as being in dispute. Obviously, this shows that they had the opportunity to do so but failed to do so. This however still would not be as good, in my opinion, as a previous case where the judge ruled, "A resonable time frame to mark an account in dispute is 45 days" or something like that.
