I don't know if forwarding to the CAs will actually work considering a PFD is frowned upon as a violation of the reporting agreement and, technically, the agreement itself validates the debt. Have you tried reaching out to the collection agency again to find out what the hold up is?
If you decide to forward the email, you can print it, make sure the "to" and "from" fields are visible, and mail a copy to each CA along with a deletion request letter. You can also save the email as a PDF and upload it via an online dispute.
If you decide to forward the email, you can print it, make sure the "to" and "from" fields are visible, and mail a copy to each CA along with a deletion request letter. You can also save the email as a PDF and upload it via an online dispute.
OH geez- haha - I'm sorry -- I read it correctly but, I guess my brain translated it differently because I honestly don't know where I got PFD from...
I still say try reaching out to the collection agency again first. Even a goodwill deletion is validation of the debt. Credit Bureaus are (supposedly) all about reporting accurate information, so I don't know if it will work in obtaining a deletion based on a goodwill statement alone - unless the deletion was offered due to inaccurate reporting. When the delete request comes directly from the collection agency, they do not need to state a reason for deletion -- the CAs just honor the request. A deletion request from the consumer is treated differently and will likely prompt an investigation. The collection agency could either respond to the investigation with a deletion request, veryify the collection, or simply not respond at all - which would result in a deletion. No telling what the result may be.
