Hard to say for sure....
The OC is required to notify their debt collector that the debt has been paid, and the collection is then closed, as there is no more debt.
The debt collector could possibly still report their collection, but in my opinion, its unlikely. Debt collectors use credit reporting primarily as a collection tool. Once the debt is paid, that business purpose is no longer present.
However, as insurance, you can temporarily prevent any possibility of their reporting by quickly sending a DV.
Sending a timely DV invokes an automatic cease collection bar on a debt collector until such time as they have provided the requested debt verification.
That includes reporting of their collection to a CRA.
Since you apparently received dunning notice on Dec. 12, you have 30 days to send a timely DV that will invoke a cease collection bar. Thus, a DV sent prior to Jan 2 will be timely
Chances are good that they wont respond to the DV request, as they now care less about a cease colection bar, since their collection is already closed.
I would immediately send the following letter to the debt collector:
"This is a request for validation of the debt under FDCPA 809(b). As part of the requested debt validation, I include a request for verification of the asserted debt, the name of the original creditor, and an ittemization of the asserted debt."
