Creditor refused payment, causing credit report problems

State is Florida.

I had a creditor refuse a payment. The next time I heard from them I mentioned that they had refused a payment, and that my understanding of Florida law was that by doing so they had cancelled the debt. I informed them that should they prove my understanding to be incorrect then I would continue payments.

Eventually I was contacted by a collection agency on the matter. I explained to them that the original creditor had refused payment, my last contact with them, etc. I did not hear from the collection agency again, but I have a remark on my credit report from them.

First, am I correct in my understanding of Florida law in this: that by refusing the payment the orginal creditor was cancelling the debt?

And second, if I am correct can anyone tell me where to find proof of this in Florida law?

I'd like to dispute the remark with the credit reporting agencies, but would like to be able to say "According to Florida law, .... by refusing payment the original creditor cancelled the debt. ..."

Thanks for your help.

I forgot to ad that after the 2nd contact with the creditor when I explaineed my understanding of Florida law, etc that I never heard from them again. The next contact over the matter was the "Eventually..." form the collection agency.

Thanks again.