On June 23, 2009, the FTC issued an informal staff opinion purporting to resolve a conflict between the FDCPA and the FCRA, explaining:

The potential conflict arises when a consumer orders a debt collector in writing to cease communication, but at some future time submits a direct dispute about information the debt collector has provided to a CRA. The Rule requires the collector to notify the consumer either of the results of the investigation or of its determination that the dispute is frivolous or irrelevant.  Section 805(c) of the FDCPA, however, prohibits the collector from communicating with that consumer with respect to the debt, which could be  interpreted to include providing the notice that the Rule requires. . . . After reviewing the language of the FDCPA and the Rule, and considering the goals of the statute and the regulation, the Commission concludes that a debt collector does not violate Section 805(c) of the FDCPA if the consumer directly disputes information after sending a written “cease communication” to the collector, and the collector complies with the Rule by means of a communication that has no purpose other than complying with the Rule by stating (1) the results of the investigation or (2) the collector’s belief that the communication is frivolous or irrelevant.


The letter can be found here.