@bman1029 wrote:Here is what I sent them:
Dear Collection Manager:This letter is in response to your credit report entry on 8/2010 related to the debt listed above. I wish to save us both some time and effort by settling this debt.
Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below.
I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher.
I am willing to pay this debt in full in return for your agreement to remove all information regarding this debt from the credit reporting agencies within ten calendar days of payment. If you agree to the terms, I will send certified payment in the amount of $82.00 payable to Capital Accounts in exchange to have all information related to this debt removed from all of my credit files.
If you accept this offer, you also agree not to discuss the offer with any third-party, excluding the original creditor. If you accept the offer, please prepare a letter on your company letterhead agreeing to the terms. This letter should be signed by an authorized agent of Capital Accounts. The letter will be treated as a contract and subject to the laws of my state.
As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt.
Please forward your agreement to the address listed above or via email. I thank you in advance for your time and consideration.
Their first response:
This letter is to confirm we have instructed the three national credit bureaus to reflect this payment activity for account XXXXX if it is paid in full by February 12th, 2014
Balance: $923
So they have the balance wrong. Way wrong. I owe $82. So I send this response via email:
Good Morning,I received your letter in the mail that you find my proposal acceptable, however in your letter you referenced a balance of $900.xx. In accordance with all my credit reports and the validation you sent me, the balance is $82.00. Can you please send a revised letter with the correct amount so that you can get paid and this can be removed from my credit reports.Thank you,Brian Williams
They respond with the same as before, but with amount corrected
This letter is to confirm we have instructed the three national credit bureaus to reflect this payment activity for account XXXX if it is paid in full by February 20, 2014
Balance- $82.97
-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
So what do you all think? Their term of reflecting "payment activity" has me concerned. I know they won't specifically acknowledge a PFD because of their agreement with the CRA's.
Do I have any recourse if they don't delete? Should I send my payment CMRRR with a letter restating payment for deletion? Write something on the check?
This is the first reposes I have received from a PFD. Want to make the right moves going forward. As always, your help is supremely appreciated.
Their responses to my emails have always been via postal mail.
I don't think you have any recourse if they don't delete because deletion is a courtesy and something they're not supposed to actually do. You could how ever send GW letters after it is paid in order to see if they will delete it later. In no way have they agreed to your PFD, all they did was tell you that they'll tell the CRAs that the debt is paid. 
You could send another letter, or call but I am unsure what you can add to it in order to get your PFD.
Who is the creditor?? Capital One?? If it is Cap-1 they do not do PFD in any form.
