Filing a dispute is not, in my opinion, the proper procedure.
The proper procedure, should they not follow thru, depends upon whether the promised deletiion resulted from a good wll promise or a PFD negotiation.
CRA policy, as clearly stated in their credit reporting manual and agreements, is that furnishers are NOT to delete their reporting based on payment of the debt.
There is no inaccuracy in the reported collection that would form the basis for a proper dispute of lack of deletion.
The CRA could simply dismiss any dispute as lacking any assertion of inaccuracy in reporting.
Involving the CRA in the requested deletion is asking them to delete for a reason that is directly contrary to their official policy.
It notifies them that the furnisher is acting contrary to their credit reporting agreement.
If the furnisher enters agreement to delete as a condition of payment of the debt (i.e., a PFD agreement), you have an enforceable contract that you can pursue via threat to take civil aciton for breach of oral or written contract. The CRA dispute process is not appropriate.
If the furnisher agrees to an after the fact good will deletion, their agreement will likely not be considered a contract, as the consumer is offering nothing of value that would make the agreement an enforceable contract. It is a good will gesture that you would continue to pursue on that basis, and not as an enforceable contract.
A complaint to the BBB asserting poor business practice on their part by not honoring their commitment would, in my opinion, be the extent of action.
