Who specifically was the judgment creditor, the OC or a subsequent debt collector?
The prevailing plaintiff would necessarily have to be shown in the judgment, so there should be no mystery as to who owned the debt.
What a debt collector can atttempt to collect is limited by FDCPA 808(1) to only amounts specifically authorized in the agreement creating the debt, or otherwise permitted by law. If the judgment was for amount X and you paid that amount, then they were required to notify the court that the defendant has satisfied the judgment.
I would be sure that the judgment did not state entitlement to other fees or interest before concluding that it has been satisfied.
If they are continuing to assert amounts due beyond that of the judgment, they must be able to justify under the laws of your state specific statutory authorization for any such amount.
They were required under FCRA 623(a)(2) to have also promtly updated their credit reporting to show all amounts paid.
If they did not at least do that, they not in compliance with the FCRA.
However, if the reported what was paid, but are continuing to assert additional amounts still due, their reporting would, at least in their view, not knowingly be inaccurate, and resolution of the legality of their attempt to collect any additional amounts would requrie, per FDCPA 808(1), some provision of your state law that entitles them to any such amount. You need an itemization of what they additionally consider as permissible under your state law.
