I made a settlement offer to a CA about a month ago. They called me to tell me they accepted, but I wasn't home. The CA proceeded to tell my spouse the terms of the settlement. Is that a violation for discussing the debt with a 3rd-party, or is your spouse an exception to that rule? On another note, of course the CA did not actually accept my settlement offer. They accepted my money offer, but will not mark the account 'paid in full' or cause the OC to delete the tradeline.
As to your first issue: If that account is in your name only and NOT joint - yes it is a violation. As to your second issue: Deleting something from your CRs is solely up to the OC, and not the CA.
