sufficient response. If a consumer makes a timely request for debt validation and a debt collector fails to provide proper validation or does not respond at all, the debt collector may not legally continue to pursue the debt. If collection activity continues, the consumer may file a lawsuit in state or federal court for violation of the FDCPA (see Fair Debt Collection Practices Act for discussion of FDCPA lawsuits). Any dispute of the debt must also be reported by the creditor on the consumer's credit report pursuant to the Fair Credit Reporting Act (FCRA). See also Fair Debt Collection Practices Act Fair Credit Reporting Act Adverse Credit History Credit card Credit rating agency Credit history References External links Fair Debt Collection Practices Act - United States Federal Trade Commission FTC's FDCPA Web Page Mymoney.gov, U.S. Financial Literacy and Education Commission Credit Contract law Bankruptcy in the United States Lawsuits