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im sending this to CA. how does it sound? open to ideas.
I recently received a phone message from the original creditor, PensacolaChristianAcademy, in reference to my request to have this collection deleted from all three credit reporting agencies. I was informed by the PensacolaChristianAcademy that they have requested that you remove this collection. Conserve’s reply to their request was that a collection can not be removed because it would be against the law to do so.
My understanding is that it is not against the law to remove a collection reporting if and when it is requested by the original creditor or the true owner of the account as a good will gesture. As far as removing information from credit reports, the reporting agency can remove any information that they report if and when the report is found to be in error or circumstances call for. Suffice to say, you hold all the rights to report the debt to the credit bureaus as you see fit and you can change that listing at any time as the source reporting the debt.
More importantly, as an agent for the original creditor, you can remove this tradeline at their request.
I understand this is a rather unusual request but I hope that Conserve is willing to work with me on completely erasing this mark to show that one missed final payment for $59 is not a good indicator of my actual credit worthiness.
I am sending PCA a copy of this letter and will ask them to continue to request that you delete this collection on their behalf.
happy holidays