My questions are: A) Is it safe to assume that since I paid the school and not EOS CCA that the loan was never sold? B) Would a GW or dispute be the best way to go with EOS CCA? C) When writing the GW to the school is it better to say I never knew I owed this debt or just accept blame and ask for forgiveness?
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My take....
If the OC no longer owned the debt, they were not authorized to accept payment against the debt, so yes, that is a good assumption.
As for the reporting of the collection, a debt collector is entitled to report the fact that they have/had collection authority any time after they have received assignment.
The fact that the debt was satisfied would only preclude reporting if the satisfaction occured prior to the assignment of collection authority, as payment of the debt does not negate that fact.
Debt collectors use credit reporting primarily as a collection tool, and if aware of satisfaction of the debt (which automatically terminates their collection authority), they most likely will not report. However, nothing precludes their reporting after the debt was satisfied.
Seeing no inaccuracy upon which to base a dispute, a GW would be the best route. First filing a dispute, which will not require any deletion on their part, may harden their receptiveness to any subsequent good-will.
If the OC never reported, then you have no issue of GW deletion with them. They cannot delete the reporting made by the debt collector, even if their assigned agent.
Request for GW deletion of the reported collection should go to the debt collector.
