Paid bill to original creditor, what letter to use for CC

The CA will get a pay direct from the hospital...they will still get their commission. Since you paid it AFTER the placement date, they can report it.

Thanks, but I guess my question is:

What can I do to stop, prevent, deter them from reporting it.

The answers always seem to be: "The Collection Agency can ruin your credit, and you are too weak to stop it even if you pay up".

I'm looking for answers / tips / advise from personal experience / details / anything / help!!

So, from this, I think sending them a receipt would -not- be prudent.

So, perhaps I should just send a letter of dispute, from a sample I have found (below). The sample also mentions the law pertaining to reporting, probably a futile attempt, but I refuse to roll over and let CA's win. I am tired of being kicked around and penalized just for paying a bill. I have medical bills, paid, on my credit report. And, I am sick to death that I cannot get them removed. I can't go back in time, but I can get these removed, because throughout history, others have gotten them removed. The problem is sorting through the mush of advise to find the wisdom, from people who have personal experience, directly relating the question at hand.

Beyond this bill, I'm looking into filing disputes on the remaining paid listings, in the hope that they will be lazy and not respond, so those will drop off, but I'm still researching the best way to attempt that.

Thanks.
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September 19, 2011
My Name
Collector's Name???Collector's Address

Dear (CA)

I am writing in response to your letter dated {insert date}, (copy enclosed) because I do not believe I owe what you say I owe.

This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809(b): Validating Debts:

(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

I respectfully request that you provide me with the following information:
??? (1) The amount of the debt;
??? (2) the name of the creditor to whom the debt is owed;
??? (3) Provide a verification or copy of any judgment (if applicable);
??? (4) Proof that you are licensed to collect debts in the state of Iowa.

Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

For instance, I know that:
??? because I have disputed this debt in writing within 30 days of receipt of your dunning notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense;
??? you cannot add interest or fees except those allowed by the original contract or state law.
??? you do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA;

Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.

I have disputed this debt; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act ?? 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.

Sincerely,

Me

You have paid the debt.
Upon paying the debt, the OC will contact the debt collector and inform them that the debt is paid. The debt is no longer under collection.
The debt collector must update their records to reflect termination of their collection (nothing to collect).

Upon receipt of notice from the OC, the debt collector really has no business reason to assist their collection activities by reporting to a CRA. I doubt that they will. However, they are NOT precluded from doing so. The accuracy of their assignment of collection authority is not at issue, and that is what reporting of a collection is. Neither the FDCPA nor the FCRA prohibit reporting of accurate information that occured prior to account closure. It would be kinda an absurd reporting, as it must, simultaneous with reporting their collection, include its accurate status.... closed with a $0 balance under collection. "I report a collection with an open date of X that is also now closed. $0 collection."

I see no need for sending the DV letter. The debt is not under collection. They dont have to respond normally, and in this case, since they are clearly not going to resume any collection activities, they have no need to provide any validation. They will probably trash it.
Even if you pursue their validation, and they decide to provide it, it would be the simplist of all validations: "I validate a debt of $0 balance due."

I agree...DV is a waste of time. They will not respond to a zero balance account.