My take... make a PFD offer to the debt collector.
If you pay the OC, the debt collector must then update their reporting to reflect whatever the balance of the remaining debt might be. Nothing requires a debt collector to delete the reporting of their collection based on satisfaction of the debt.
An additioonal rub is that while paying the OC will satisfy the debt with them, the post infers that the debt collector may be asserting additional debt legally due to them based on their collection activities. So satisfaction of the debt in the eyers of the OC does not necessarily mean that the debt collector must update their reporting to $0 still under their collection. Is it probable that the debt collector is asserting separate debt accrued to them based on their authorzed collection on the debt?
Under FDCPA 808(1), a debt collector cannot attempt to collect any amount that is either not authorized in the account agreement creating the debt, or otherwise permitted by law. Almost certainly, your original agreement with the OC did not specifiy that debt collector fees not associated with your account with them would be authohrized.
However, if the laws of your state permit a debt collector to collect fees associated with their collection activitites, they could still assert remaining debt due to them.
A review of your state statutes regarding fees collectible by debt collectors would be prudent.
If the debt collector agrees to accept an amount as full satisfaction of the debt, that would clear the deck of any issues of remaining debt separately asserted to be due to them.
