I just got off the phone w/ EQ, for a item I disputed last Nov,01 & the CA couldnt verify then it was deleted. Now, the CA re-inserted again, and I remember someone in this brd told me THEY have to validated that I was notify, But the lady @ EQ told me they can add back anytime they want, even after I disputed, deleted 6 months ago....she said there is no law that regulates that...is this true???? Then what the hell we dispute w/ CRA if they can all come back in 6 month??!!
here it is black and white § 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i] (5) Treatment of inaccurate or unverifiable information. (A) In general. If, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall promptly delete that item of information from the consumer's file or modify that item of information, as appropriate, based on the results of the reinvestigation. (B) Requirements relating to reinsertion of previously deleted material. (i) Certification of accuracy of information. If any information is deleted from a consumer's file pursuant to subparagraph (A), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. (ii) 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 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 to a consumer in writing not later than 5 business days after the date of the reinsertion (I) a statement that the disputed information has been reinserted; (II) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and (III) a notice that the consumer has the right to add a statement to the consumer's file disputing the accuracy or completeness of the disputed information.
HA, just called them again, talk to this lady Amy, as I READ the post to her, she keep saying that EQ doesnt have to notify us, that they only do so when there is a DISPUTE going on, and they send us a new credit report in which is the "notice" described in the FTC regulation...??!!!!!!!! What is next?!!
They (CRA) MUST notify you within 5 days after a previously deleted account is re-inserted. I have had similar problems and usually a letter to their consumer affairs/legal department clears it up. Contacting the rep's at the CRA's is like dealing with a collection agency, you would think you owe them money! Equifax rep's are pure *******s through and through! I would call them and ask them were to send you intent to sue letter. If they do not delete I would then sue as they have violated the FCRA. Tac
Sounds like you need to send a letter notifying of their violations of the FCRA and your intent to sue. Do a search in the forum on FCRA for more info.
hi tac.. Can you show me what your letter looks like? and where did you send them to?The lady from Eq only gave me a PO bx...
I talked to Equifax about this very subject last week about 2 PAID collections that re-appeared 8 months later. She told me that they are in litigation over this and that is probably why I didn't get notified. Does anyone know if they are challenging that section of the FCRA and if they have some kind of injunction in place?
