For one particular entry on my CR, there is *only* the CA reporting. When I called them, they sent me 3 separate Dunning notices, one for the amount on my CR. The rep said they automatically delete if I PIF – his manager said she wouldn’t / couldn’t do it in writing because they do this stuff through letters their lawyers have already crafted. She also said that they weren’t already reporting and that they hadn’t sent me anything about the debt yet and that because of that, if I paid within 30 days of receiving them, it wouldn’t be reported in the first place (I was arguing with her about that because I had called because of an item *ON MY CREDIT REPORTS*). I have since contacted the OC (not reporting) to ask about paying / how much / who to pay. The OC gave me a single total that coincides with the sum of the 3 totals from the CA, and an address and phone number separate from the CA. Am I right in thinking that I can pay the OC and they will pull back the debt from the CA (so the CA cannot continue to report it)?