Reportings made by creditors and debt collectors relate to their own activities and are reported to the CRAs separately.
A credtior cannot compel a debt collector to delete their reporting of their legitmate collection activities, and a debt collector cannot compel a creditor to delete reporting they made based on their account with the consumer.
As was said, you can ask a creditor to contact a debt collector and request that they delete prior reporting. It is entirely up to the creditor whether or not to do this, and entirely up to the debt collector to grant the creditor's request. Being that debt collectors obviously want continued good relations with their sources of income, I would imaging that if a creditor pushed the issue, the debt collector would have more to gain than to lose by agreeing to delete. Since the primary reason a debt collector even reports to a CRA is to put collection pressure on the consumer, once the debt is paid, their prior collection reporting gains them nothing of business importance.
However, when pushing the issue of CR removal with either, be aware that you are asking them to do something that they have agreed in their reporting agrreements not to do.... to delete based on payment of the debt. They both know that such deletions are contrary to their reporting agreements, and as such might be reluctant to ask another party to take such an action.
The DOFD only pertains to the exclusion of continuance of collections and charge-offs in a consumer's credit report. It does not apply to other items reported by an OC. I dont see how the OC account was deleted based on DOFD. All that applies to an OC account with respect to DOFD is the continuance of any charge-off they reported, which must cease to be included in the consumer's CR after 7 years plus six months from the DOFD.
Deletion of a collection is simple. It is based on only one single, date-certain.... the DOFD on the OC account. Period.
It is immaterial when the debt collector received collection authority, when they reported to a CRA, or the presence or absence of any actions between the consumer and the debt collector. DOFD is based only on your first date of delinquency with the OC in the last chain of any delinquencies that occured prior to the collection.
The CRA montitors the DOFD reported to them, and is responsible for CR exclusion after 7 years plus 180 days from the DOFD. If the CRA has been provided an incorrect DOFD, then the beef is with the party who reported it. Usually, the reported DOFD is not included in most commerical credit reports, so the consumer is usually at a loss to know the specific date in their credit file, and who reported it.
You can compel the CRA to provide you the DOFD of record in your credit file by sending them a request under FCRA 609(a)(1). Until you know what date is in your credit file, it is difficult to determine who is at fault should a collection continue past the date on which you feel it should have been excluded.
