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Need advice on how to dispute a "Paid in Settlement" collection?


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Hi All,


Long story short, I was forced to settle with an extremely litigious (debt buyer) CA about four months ago for a credit card debt run up by a former business partner. The OC never reported nor contacted me, so when I was threatened with a lawsuit by the CA, it was a complete surprise. After I settled, the CA reported the debt in question to all three bureaus as "Paid in Settlement" for less than the full balance with a zero outstanding balance owed.


Obviously, I'd like to get this account deleted, but I'm not sure exactly where I should start and I am hoping for some creative suggestions? I live in Cali if that helps.


Thanks for your advice and please let me know if you have any questions.



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