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Can you post a screen shot of the account reporting?
@amckee wrote:
How can i post them i have plenty of screenshots from it
Take a screenshot, save it as a photo file, then import it here using the "Photos" button.
That’s what it says even has two different amounts
If you did not settle, then the reporting of a current status of settled for less and the reporting of a $0 balance would both be inaccurate.
You can file a dispute with the CRA and get the reporting updated/corrected. Whether it is in your interest to do so might be a bit questionable.....
A substantive factor might arise if they reported a settlement for less to the IRS, which might subject you to a tax obligation.
Did they ever send a 1099c informing you that they reported a settlement to the IRS?