Paid OC but CA is still reporting.

[redhouse69]

Here is the deal.  Back in 2010 I had a payment agreement with Alliant Energy.  I paid all of the installments ontime with the exception of one.  I simply did not have the money and I paid them late on the final payment.  When I had the money I paid Alliant online on their website.  They accepted the payment and I printed the receipt.

Since I paid the OC and they accepted my payment online, shouldn't the CA have to stop reporting?  Anyway to fix them.  Alliant tells me to talk to the CA and that they can't do anything about it.

Here is what they have been reporting:

H&R ACCOUNTS
	Old - 07/10/2012	New - 07/19/2012	Comparison
Creditor Name:	H&R ACCOUNTS	H&R ACCOUNTS
Account No.:	44733**	44733**
Original Creditor:	10 INTERSTATE POWER ALLIANT ENERG	10 INTERSTATE POWER ALLIANT ENERG
Responsibility:	Individual	Individual
Condition:	Paid	Paid
Original Balance:	$258	$258
Balance:	$0	$0
Date Opened:	06/28/2010	06/28/2010
Date Reported:	11/30/2010	11/30/2010
Remarks:	Account information disputed by consumer, meets FCRA requirements	Account information disputed by consumer, meets FCRA requirements

I'm up in the 680s from low 500s..  I'm trying to dedicate some time to see if I can get to the 700s.

Thanks for the help.

[RobertEG]

They have reported the collection as paid, $0 balance, which is correct.

They are entitled to "update" prior reporting, including just a reiteration of the correct status.  It is not usual to report on a collection that is closed and includes no changes in information, as it is kinda a waste of time, but it is not improper.

[redhouse69]

So how much do you think this is this affecting my score?  It is showing as a collection.

Is a GW letter my only option here?

Thanks for the help.

H & R ACCOUNTS INC.
Agency Address:	7017 John Deere Pkwy Moline, IL 612658072
Date Reported:	11/2010
Date Assigned:	06/2010
Creditor Classification:	Utilities
Creditor Name:	INTERSTATE POWER ALLIANT ENERG
Account Number:	447XXXX
Account Owner:	Individual Account.
Original Amount Owned:	$258
Date of 1 st Delinquency:	09/2009
Balance Date:	11/2010
Balance Owned:	$0
Last Payment Date:	29/10/2010
Status Date:	11/2010
Status:	P - Paid
Comments:	Consumer disputes this account information

[rckstrscott]

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@redhouse69 wrote:

So how much do you think this is this affecting my score?  It is showing as a collection.

Is a GW letter my only option here?

Thanks for the help.

H & R ACCOUNTS INC.
Agency Address:	7017 John Deere Pkwy Moline, IL 612658072
Date Reported:	11/2010
Date Assigned:	06/2010
Creditor Classification:	Utilities
Creditor Name:	INTERSTATE POWER ALLIANT ENERG
Account Number:	447XXXX
Account Owner:	Individual Account.
Original Amount Owned:	$258
Date of 1 st Delinquency:	09/2009
Balance Date:	11/2010
Balance Owned:	$0
Last Payment Date:	29/10/2010
Status Date:	11/2010
Status:	P - Paid
Comments:	Consumer disputes this account information

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yeah.. I think GW is the way to go... some websites advise disputing, but aside from it being inaccurate, I wouldn't dispute because you are trying for some good will from the CA... disputing it could cause that good will to go away, because they had to waste time updating an already paid account.. at least in my opinion a GW should be your first option..

-scott