The creditor never reported anything to any CRA. I just found out that they had turned it over to a CA before I paid the creditor. Apparently, when I paid the creditor, they notified the collection agency. The credit report says the debt was assigned to the CA. The CA never contacted me at any time. Now, the CA just reported it to all three CRA's as a paid collection, showing the payment being made over two years ago. Their first report of this to the CRA's was March, 2001, two years after payment. The original creditor is willing to write a letter to help me and is willing to say anything reasonable. I would then send it to the CRA's. What should the letter say? My goal is to get this removed from my reports. This resulted in me being denied credit recently and I need to get it taken care of to get a car. And, how can I prevent the CA from reporting it again to any CRA? It appears they only reported it once, in March 2001. Any comments would be appreciated.