If the original creditor sold the debt, their reporing of a $0 balance is required, as there is no longer a debt owed to them. Their reporting does not indicate that the debt was satisified. If a debt collector has not reported, then your credit report alone will provide no indication of the current status of the debt itself.
If the purchaisng debt collector then reportis their collection on the debt, they report the current balance, which is both the amount the are attempting to collection, and the debt owed directly to them. If they then obtain a court judgment for payment of the debt, that is separate. They are not required to then delete their reporting of collection on the debt. So you could have a remaining reporting by the OC of any derogs that occured on their account prior to sale of the debt, such as a charge-off, plus the reported collection, plus the judgment, even though all based on a single debt.
Any issues over the amount of the current debt, and whether its reporting is now accurate, can be addressed by way of a dispute.
If the original account agreement authorized continued fees to accrue, such as interest, and/or the court authorized continued amounts, the issue of the current amount increasing could be proper.
The issue of their failure to timely update their reporting is basis for dispute, but the simple showing of inaccuracies in their reporting would nnot alone be basis for deletion. In any dispute, the furnisher of the disputed information always has the option to correct any inaccuracy.
Inaccurate reporting, if not knowling false when reported and correctible, is not a violation per se of the FCRA.
