Their may be a way of disputing their reporting, but the burden is on the consumer to show some inaccuracy in their reporting as a basis for a dispute.
Is anything in their reporting inaccurate, and if so, is it readily correctible?
Remember that the debt collector cannot, in any PFD negotiation, agree to deletion of the charge-off, as it was not their reporting. Separate efforts directed to the OC, such as a GW request, would be necessary to address the CO.
If the debt collector wont agree to a PFD, then the settlement offer, should you accept, will normally result in the additional reporting of a "paid for less" special comment.
I suggest that if you end up paying without a PFD acceptance that you at least try to get them not to report the additional "paid for less" special comment, as it is, in an of itself, a negative remark in your file, informing others that, in the past, you did not fully satisfy the entire amount of debt.
