A collection is reported by the debt collector, not the creditor, and any deletion would necessarily be by the reporting debt collector, not Wells Fargo.
Paying a debt under collection requires the debt collector to close their collection and update the balance to $0.
There is no inaccuracy in continuing to report (i.e., not delete) the collection, and thus paying the debt is not basis for a dispute of the accuracy of the collection.
To the contrary, the CRA reporting manual specifically insructs debt collectors not to delete based on payment of the debt, and thus sending a dispute to the CRA would be requesting that they investigate and delete for a reason directly contrary to their posted policy.
You can send a request for good will deletion to the reporting debt collector.
Okay, thanks. Lucky for me the debt wasn't sold and I paid Wells Fargo directly. So Goodwill letters it is.
Yup the GW letter is the way to go as a dispute now would not get it deleted and it would cause a Fico score decrease when the status date comes current to update the results of the dispute. The CO would appear to be brand new in Ficos eyes.