You have two separate issues. First is getting their reporting corrected, which they are required to do, and second is attempting to get their reporting of the collection deleted, which is discretionary on their part.
As for the first issue, any party who has furnisher information to a CRA assumes the responsibility under FCRA 623(a)(2) to promptly update the reported information so as to maintain its current accuracy. When the debt was paid, that required the debt collector to promptly close their collection and update the balance remaining under collection to $0.
If they fail to do so in their next regular reporting cycle (which would be "promplty"), I would advise giving them an informal call, and remind them of their responsibility.
I would reserive a dispute, as it is best to avoid a pending dispute flag on your CR.
If they dont update within their next reporting cycle, then send a direct dispute to the debt collector for their lack of c ompliance with section 623(a)(2).
They must respond to that direct dispute within 30ísh days. If the direct dispute does not resolve the reporting, then file a formal complaint with the CFPB, not the BBB
The second issue is attempting to get them to delete the entire collection. Deletion of a paid collection is totally discretionary on their part, so disputes and complaints are not the path. You are requesting their good-will deletion.
One should keep in mind that CRA policy is that furnishers should NOT delete prior reporting based on satisfaction of the debt, so a GW request for deletion is asking them to act contrary to reporting guidelines of the CRAs. Many debt collectiors have a standard policy of summarily denying such requests, and it is often necessry to pursue such requests by direct contact with a management official, who has authority to grant exceptons to their standard no-deletion policy.
