When a consumer disputes a debt, what action should the collector take?

• A. Pause collection on the debt and verify the dispute.
• B. Proceed with collection while verifying.
• C. Require the consumer to withdraw the dispute before continuing.
• D. Close the account immediately.

Answer: (A)

When a consumer disputes a debt, the collector must pause collection on that debt and verify the dispute. This requirement ensures the debt's accuracy before continuing. Under FDCPA rules, once a dispute is received, the collector should halt collection activities and provide validation that the debt exists, including details such as the amount, the original creditor, and documentation showing the debt’s assignment. This verification should be provided within a reasonable timeframe, typically within 30 days of receiving the dispute. Only after the debt is verified (or the dispute resolved) can collection actions resume. Continuing collection during the verification period would violate the law, and requiring the consumer to withdraw the dispute or closing the account are not mandated steps in this process.