I dont know if anyone knows this but I will ask. Can a old creditor add themselves again to my credit report after they have been deleted from a past investigation? Back in April I put in a request to investigate what accounts were valid and this company didnt respond on time so Experian sent me back the results saying the account was deleted. Now I see that this company added themselves again to my credit report. Can they do this? Anyone that knows the answer please let me know, it just frustrates me that I woreked hard to clean up my credit reports and for them to be able to do this.
If the account was officially deleted by Exp and then re-inserted without giving you five days notice that they had done so, this is a major violation. Here is a sample letter that I found on Credit Net. Adjust the letter to best suit you case and then I would suggest sending it off three or four business days before Thansgiving. Dear Sirs, After a recent review of a credit report #XXXXXXXX, I obtained online via your website I noticed that account CitiFinancial Commercial Credit Corp #607459121732*, a previously investigated item which was deleted on August 16th, 2002 has suddenly reappeared back on my credit file. As a courtesy I have included with this fax a copy of the results for this item dated August 16th, 2002 furnished to me by your company. Sometimes mistakes happen and I understand this. This fax is to alert you to this mistake and to notify you that I expect the above listed account to be deleted from my credit file within 72hrs. of this fax. Obviously your company is aware of the Fair Credit Reporting Act and the laws your company has a responsibility to adhere to. Per the FCRA: 611 Procedure in case of disputed inaccuracy [15 U.S.C. Ë? 1681i] (5)(B)(ii) (ii) Notice to consumer: If any information that has been deleted from a consumer file pursuant to subparagraph (A) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. (iii) Additional information: As part of, or in addition to the notice under clause (ii), a consumer reporting agency shall provide written notification of the reinsertion no less than 5 business days after the reinsertion You have failed miserably in your duty to notify me of this re-insertion, as I have received NOTHING from you. Quite frankly your company has not adhered to the laws you are governed under and this re-insertion of incorrect information is having astounding effects on my credit score and the closing of our first home next month. (C) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph (other than information that is reinserted in accordance with subparagraph (B)(I)). You have not implemented the required procedures for avoiding such mistakes. There is cause for substantial damage on my part. I shall seek specific, statutory and punitive damages in excess of $100,000 for your willful failure and negligent noncompliance of federal law, in demand of a jury trial. I hope that this doesnâ??t have to go this far but be advised I will do just as Iâ??ve described if this isnâ??t taken care of immediately. Thanks in advance for your urgent attention to this matter, it is appreciated! Very Truly Yours,
Experian gave me a notice via email about this but not through mail. Can they still get away with this. I thought once an account is deleted the company just cant come and add themselves again or fixing your credit is just plain useless. I went through alot of work to get things fixed. Can experian still get away with this?
Re: Re: Credit report investigation Hey everyone, I need some advice, is this letter safe to send to Equifax? reason is Equifax re-inserted a collection account back in Feb 2003 without notifying me, today I pull my report and it's backkkk, this account was previously deleted by Equifax and now it's back, the account belongs to a family member. =( I'm about to apply for credit, I guess now I have to wait becasue of thier errors. =( Do I have to edit anything?
