Can Deleted Items Re-appear?

Discussion in 'Credit Talk' started by Om, Sep 1, 2001.

  1. Om

    Om Well-Known Member

    I was told last night by somebody that used to work in collections for a major co. that once an item has been deleted from your credit report that it cannot be listed again at a later time. Is this true?

  2. NanaC

    NanaC Well-Known Member

    Unfortunately, more than one of us have had reappearing items that were previously deleted. I believe the law says that, if they reinsert something, they have to notify you within 5 days of that event, however, I have never had them notify me. (Gasp, imagine that? LOL)

    Someone confirm or correct me, please!
  3. NanaC

    NanaC Well-Known Member

    Wait, here it is "Requirements relating to reinsertion of perviously deleted material" is 15 U.S.C. 1681i: Procedure in case of disputed accuracy" and it states that the 1) information must be certified to be accurate by the person furnishing the information and 2) notice to consumer-If any information that has been deleted from a consumer's file pursuant to subparagraph (A) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five business days after the reinsertion.."
  4. lbrown59

    lbrown59 Well-Known Member

  5. lbrown59

    lbrown59 Well-Known Member

    Hay Folks do you realize they got this assbackwards????
    The should have to notify us before not aftewards!!!


  6. NanaC

    NanaC Well-Known Member

    They do everything that for them it is forward!
  7. lbrown59

    lbrown59 Well-Known Member

    I think it's way past time they were pointed in the right direction!====
  8. dlo64

    dlo64 Well-Known Member

    Yes they can come back. I had an account deleted from TU a couple of months ago. Got my report a couple of weeks ago and it was back! No, TU did not notify me. I found out while reviewing the updated report they sent from the most recent round of disputes.
  9. NanaC

    NanaC Well-Known Member

    Me, too...luckily I had letters from the creditor to scream and yell. On hubby's, that's when I went to PFB and said "Lawsuit, lawsuit! I have proof you didn't verify, buttnuggets!"

  10. Erica

    Erica Well-Known Member

    Did you actually call them buttnuggets? I would have LOVED to be there to see their faces if you did. HAHAHAHAHAHAHAH AAAAAHAHAHAHAHAHA
  11. NanaC

    NanaC Well-Known Member

    Yes, my friend, but only in my real as it may seem, it was only in my dreams...:::breaking into a well-choreographed dance scene::::::

    Why am I answering everything with music lyrics? LOL

    Note: I just added buttnuggets to my spellchecker as a word..I'm serious now! :)

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