Community Leader
Epic Contributor
Posts: 26,021
Registered: ‎03-19-2007
Re: Collection Agency says it CANNOT delete?

Each reporting entity is, I agree, basically, a legal subscriber to one or more of the CRAs. 

Each CRA has one uniform reporting in their contracts.

 In their subscriber agreement they contractually agree to accept  guidelines as outlined in the Consumer Data Industry Association's © 2009 version of the Credit Reporting Resource Guide.  It is not a recommendation, it is a contract agreement.

 I can only make brief quotes from the contract provisions in the credit reporting manual, due to copyright limitations:


“paid, derogatory accounts, such as collections, should  be reported paid;   they should not be deleted


“data furnishers should not report subsequent deletion of an account history unless an actual error is reported.  Paid derogatory accounts, such as collections, should be reported as paidthey should not be deleted.