Need letter to send to CA for violation

[Anonymous]

Does anyone have a sample letter to send to a CA for a paid collection that's being reported as a regular account?  Not sure if that's a violation of the FDCA or FDCPA.

[Anonymous]

Why why WHY would you want to do this???

The goal is to have NO collection accounts reporting.  Maybe they are updating every month?--which they shouldn't do now that they're paid off.

Especially if you have no other collection accounts reporting, the first CA hitting as a CA will do major damage.  Reporting as a "regular" account is not hurting you. 

Is there something else about how this is reporting that is hurting you??

[JoeBJay20]

There has been some debate as to whether collection accounts that are listed as regular accounts are still counted as collection accounts in FICO's algorithm.  That being said, I haven't seen anyone on here be able to get a collection account deleted just based on that alone.  Are there any other violations occuring, are they reporting it as an open account or reporting lates?

[llecs]

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jesslyn wrote:

The goal is to have NO collection accounts reporting. 

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+1

OP, if they move it to "Collections" you will still take the hit. FICO will still read it as a CA. Your goal should be to get it off. BTW, if the CA updates, you could see a score drop.