Cloaking-isnt what it seems

hello everyone,

I just got of the phone today with an upper level supervisor, by the name of Junelle Childs from Trans Union today. The subject matter was cloaking.

I was told that cloaking was only effective if the item was manually removed. I was also told that at any time after, a creditor could re-insert the information by filling out a form and sending it in. As long as they don't respond to a dispute or if the dispute that you give the CRA contains documentation that proves otherwise, you are OK. If the creditor fills out a form or reinserts the data a couple of years later, the CRA has no way of telling, because there records don't go back that far.

What I am wondering is how people go to court and get them to cloak information if the items can just show back up again at a later time. The upper level supervisor is telling me that the info can be reinserted by the creditor. I don't believe her, but she was explaining their procedure in a very honest manner. What do you guys think? I think that they must have some way of not allowing an account number to ever ever ever appear again, under any circumstances. She is telling me that there is no such thing.

Tell me what you think..

 

LKH,

Yeah I think she is a liar or she doesnt know what she is talking about. She told me that if they get a response after the 30 days from the creditor they can reinsert items. I don't think she is aware of what cloaking is. The funny thing is that she referred to it as cloaking all on her own. I told her that information can be cloaked permnantly and she just kept disagreeing.

"Silly Person, Cloaking is not for kids.."

 

She saying that if a creditor decides to put an item on their tapes and report it again, it will show up again, unless they remove it from their tapes.

The reason why this came up, is due to the fact that Benificial Tax masters (household) is reporting information on my credit report, even though we came to an agreement that the information should be removed. It was for a rapid refund check that they didnt get reimbursed for. They never notified me until a year later and that was thru a collection agent. It seems that the IRS accidently offset my income tax refund, even though I was all caught up on my student loans. I explained to them that this was not my fault and if they would have notified me earlier, i would have rectified the situation immediately. They sent me two letters. One said that if I paid it off, they would remove the information. When I sent them payment, I also sent it with a restrictive endorsement and a letter enclosed outlining the situation, including their intent to remove the information. They cashed the check and sent me a letter saying that they recieved my payment and that the items would be removed from all three credit bureaus.

It was removed and now three years later it has returned. Tran Union is telling me that the information is being reported by Ben Financial tapes. I spoke with an upper level supervisor, who told me to fax the letter that Benifical sent me and that they would remove it. They later told me that the letter was too old and that they couldnt go back and prove that a previousily deleted item was removed and reinserted. I told them that I still have the old reports to prove it. They then informed me that it had been thirty days and Benificial had not responded, so they were going to remove the information. I told them that the same account number appeared on this 'old letter' and I asked them why this wasnt proof enough that they were reporting innacurate data. This lead into the conversation concerning my need to have this item suppressed, due to the fact it was not supposed to be there in the first place. I wanted to know how they were going to protect me from this creditor.