-"proper" validation/verification has not been determined or defined. -The easiest way to look at it is, was the response from the collection agency "responsive to the request of the consumer"- NCLC FDCAP 5.7.3.2 -So what the hell does that mean??? For example, if the "dispute" was "not mine", the collection company would have to contact the original creditor to get "proof" which would show the account was your. "proof" is arguable however If the "dispute" was "incorrect balance" or a request for an accounting, then the debt collector would have to get infro from the original creditor to get "a break down of the accounting" of the account. The collector sending a "statement" from THEIR OWN computer is not enough. (FTC Wollam letter http://www.ftc.gov/os/statutes/fdcpa/letters/wollman.htm ) The House Reports committee commented: "Although the term [verification] which is used in section 808, validation of debts, is not defined in the bill, the committee feels compliance would be achieved by a debt collector if the debt collector obtained from the creditor a statement which indicates an itemization of the amount of the debt, and the sanme of the consumer, a statement that the credirtor (to whom the debt was originally owed), in concideration of the consumer's debt, had either delivered a merchantable product or property or properly rendered service" HR #131, 95th congress
