Ah......ok.
What it sounds like is the OC updated the account to show that they have written off the amount that you didn't pay (the difference from the actual amount you owed). That's legit then.
Since they are reporting a zero balance, they're aren't claiming you owe that money... it should still state paid/settled or something like that.
Unfortunately, even if it says paid.......that's not helping your score. You really need to try getting it deleted completely. I would try disputing it off......and if that doesn't work try going straight to the OC. ANY inaccuracies in reporting, at this point, could be to your benefit.
So, there is no need to send the letter out. Don't worry about that.
Is ER solutions reporting? If so, you need to try getting that one off too.
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