The debt collector has good reason not to have agreed formally to the PFD.
The CRAs all have the same joint policy that furnishers may not delete reporting based on payment of a debt.
They rely on the completeness of their credit reports as to their value to their customers, and dont want accurate information subjectively deleted.
In order to avoid a paper record of violation of their credit reporting agreements with the CRAs, debt collectors are reluctant to put any such agreements in writing.
The consumer should not contact the CRAs regarding any assertion of agreed deletions.
You do not have even an oral contract if they never stated that they would delete in exchange for payment.
Thus, the prior response that there is a chance of reinsertion of their collection with each CRA is a possibility.
However, if you still seek deletion of reporting with EX, you have no option other than to contact the debt collector and raise the request.
If they voluntarily deleted with two of the three CRAs, it was intentional, and they are most likely not going to reinsert. I would take the chance and contact someone with management authority.
