If this were me (but keep that in mind because I'm a bit twisted).....I would call them up. You have nothing to lose, you've paid them.
I would call and "politely" remind them that this has been paid but yet they are continuing to report it incorrectly. Be sure to let them know that they are in violation of the FCRA.
They might have a "contract" (whatever) with the CRAs stating they will not do PFDs BUT there is NO LAW that states they HAVE to report it. BY LAW, though, they HAVE to report it correctly.
There is also nothing in their "contract", I'm sure, which states they can choose NOT to verify the info with the CRAs the next time you dispute it.
If this is a CA, then "terms - 1 mo" is a violation. There can also be no "limit" since it's not an open/revolving acct with a credit limit.
I would just be sure and explain to them that it's really silly for them to violate laws (which is punishable up to $1000) over a measly $32 debt........but if this is the way they want to continue, you have no problem filing complaints and filing a lawsuit in small claims court........which would cost them even more money. So you are doing them a favor by calling them one more time (out of the goodness of your heart......lol) and giving them one more chance to remove the debt from your credit reports.
Oh and it's BS that they say it takes 30 days 60 days......I had an OC fix a reporting error almost immediately (within 2 weeks) by contacting the CRAs to let them know there was an error.......they even gave me a control # and everything so that I could keep track of it in case it didn't get corrected. So don't let them tell you that. They can fix things a lot faster than they say they can.
And if the convo doesn't seem to go very well....... start filing complaints.
FTC, BBB, their state's AG and ACA International.
You should also go ahead and dispute it.
Just remember if you do call them.......keep your cool. DO NOT let them know you are upset. Be polite, be firm......you can even be a bit smug (they LOVE that....lol) but keep calm.
Good luck.
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