I had a collection agency recently tell me it was illegal to remove debts from my credit reports.
They called me and I told them I was aware they had already submitted the debt to the credit reporting agencies. I asked them for a pay for delete situation and the person I spoke with said that was illegal.
I said as far as I had researched that was most definitely not illegal and if they wanted to deal with me they should be expecting a letter asking to validate the debt from me first.
So, is it illegal for them to remove the debt from my credit reports?
And did I handle this situation in the right way?