I resigned up for the 30 day trial, and I'm trying to access my report. I click on "View report" and nothing happens. It just sits at a blank screen. Is anyone else having problems accessing their report?
I finally got my report to show, and there are some items that were deleted almost a year ago showing up. WTF??? Do I do now?
You find out when they were rereported and then you send the cra a letter that since they didn't notify you within 5 days that these were reinserted, they must delete it NOW!
How do I find that out? My last report is from 5/21/2002, and they weren't on there. Now 4 days later they are. How do I find out when they were re-reported?
Well, it was sometime between the 22nd and 24th. Assuming it was the 24th, they should notify you by the 29th. If you haven't received anything by Wed., Thursday morning send the letter. Or, you could call Exp. on Tuesday and just ask them why they are on there and when did this occur.
I had a similar situation with EQ. When I called they said that the items were'nt re-inserted, but that the CA reported the item again. Does that make sense?
Thank goodness I keep a spreadsheet of my progress, in looking at my data, the one was deleted between 4/27/2000 and 2/20/2001. What kind of "new" information could this PAID COLLECTION AGENCY have?
No. It doesn't make sense. Re-reported, reinserted, what's the difference. When an item is deleted, it must be certified as correct as per the FCRA. They can't just re-report it. I'd send a letter to the cra requesting copies of the "certification" from the ca that everything is accurate. That was part of my lawsuit against the Exp. affiliate here. They allowed something to be reinserted and claimed they had the certification. When I requested copies, they claimed they "couldn't find it". What a joke. When I sued them, they even told their atty they had it. When he requested it, they admitted they had no such thing. Item deleted!
LKH...There is a big difference. The CRA only has to notify you if the reinsertion is a result of the creditor responding to the dispute. If it just showed back up as a result of a monthly or quarterly update, they don't have to tell you anything. Think about it for a minute - I dispute AccountA in December and the creditor does not respond. The account is then removed in January. However, the creditor runs tape 3 months later and it is re-reported. This is totally different than the creditor responding to the dispute and causing it to be reinserted. It is definitely different and the 5-day rule does not apply.
I disagree with you on this one. I see nowhere in the FCRA that says anything about that. If an acct. is deleted through dispute, the FCRA says it cannot be re-reported until it is certified as correct. Correct me if I'm wrong, but I don't see where it says "unless it is reported on the monthly update, then it is ok",
How's this letter? To Whom It May Concern: It has come to my attention, through recent and past credit reports, that you have allowed information to be reinserted into my credit file that has been previously deleted. Pursuant to the FCRA, Iâ??d like to be provided with copies of the certification required for reinsertion for the following accounts: · Collection Agency · Collection Agency #2 · Collection Agency #3 I will allow you 30 days to furnish this information, however if you do not provide the information requested, you must delete and â??cloakâ? the accounts as required by the FCRA. Thank you, Erica
So, other than the amount of time, it sounds ok? I mean, I don't need to quote chapter and verse of the FCRA, do I?
If the creditor fails to go into the tapes and make the necessary manual adjustement to remove the item from their tapes that's their fault. They are now, even if by accident or laziness, reporting inaccurate information. In either case I think the CRA needs to notify.
