If the creditor is not continuing to asess interest, then you are not being penalized for the lack of ability to pay, and thus terminate any further accrual of interest.
That is not relevant to the basic question, but would establish harm due to theri current refusal to accept payment.
The debt collector is apparently not licensed to collect in your current state, so that appears to be the issue.
Many assingments of collection authoriyt to debt collectors include provisions that all payments must be made thru the debt collector.
That is most liikely the creditor's current concern..... compliance with their contract with their debt collector.
A contract provision that would violate statute is not enforceable, so I would suspect that the creditor will reach the conclusion that they are free to accept payment notwithstanding any normal contract provision that has now become unenforceable.
If you were continuing to accrue interest due to the delay, then I would immediately send payment and assert that it termianted any further interest.
However, if they are not continuing to assess interest, then a short delay would not accrue further interest, and I would most likely give them a month or so.
They must, in my opinion, agree to promplty accept your payment.
If and when you decide to escalate, I would file a complaint with the CFPB and also send the credtior an intent to sue letter stating they you will file suit if they dont immediately accept yur payment.
The issue of contining to report 30 late rather than a new current status of paid seems secondary.
The CO is overshadowing that reporting.
A CO is not taken after a 30-late, so pursiuti of that issue is apt to be handled on their part by reporting a new slew of major delinquencies.
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