The primary problem is that CRA policy, which is explcitly stated at several places in the standard CRA credit reporting manual and incorporated into their credit reporting agreements, instructs furnishers NOT to delete based on payment of the debt.
That policy is not based on any prohibition under the FCRA, but rather on the business desire of the CRAs to maintain the maximum completeness, and thus value, of their credit reports.
As such, many furnishers have standard internal policies that instruct their subordinates not to do pay for deletes.
Mangement makes such policies, and management has the discretion to grant exceptions.
Thus, many consumers get better results by directing their PFD offers to management officials rathe than simply sending thru normal mailing channels.
Perhaps someone can provide a management contact for your particular debt collector, and thus you can get your request to a wooden desk.
