How many times have we heard THAT line? The fact is, it is a blatant lie, and if uttered by a CA or a JDB is an immediate FDCPA violation, so get those tape recorders running.
The facts are this: Fair Credit Reporting Act does not even mention a PFD. Neither does FDCPA nor any other law - federal or state. It is a matter of agreement, not law.
Speaking of agreements, collectors may retreat and say it would violate a contractual agreement they have with the CRA's not to PFD. That may be the case, I have never seen that provision of the contract and it is highly unlikely I ever will. The mantra is a universal response on CI.com - almost as instinctive as a dog barking at the mailman.
Even if it is a contractual agreement with the CRA's not to grant a PFD, there is no law that states that they MUST respond to a CRA inquiry. FCRA does state that when a consumer disputes a TL and the source of that TL does not verify it, the TL must be deleted. THERE is the way to get a PFD, but GET IT IN WRITING - that the creditor agrees not to communicate in any way with any CRA about this debt, even in the event the consumer (you) disputes it.